هدفت الدراسة بشكل أساسي إِلى تحديد تأثير التمويل الأخضر بأنواعه (التمويل قصير الأجل، التمويل متوسط الأجل، التمويل طويل الأجل) في تحسين الأداء المالي للمصارف التجارية التقليدية في محافظة اللَّاذقيَّة.
اتَّبعت الدراسة المنهج الوصفي التحليلي، ومجموعة طرائق منها الاعتماد على البيانات الثَّانوية، والأوليَّة من خلال استبانة تمَّ تصميمها، وتمَّ توزيعها على (97) مبحوث، استرد منها (93)، وكانت (89) استبانة صالحة للتَّحليل، وتكوَّن مجتمع البحث من كادر العاملين في المستويات الإدارية العليا لفروع المصارف التجارية السورية التقليدية المسؤولين عن عملية اتخاذ القرار التمويلي، ثم تمَّ الاعتماد على برنامج الـــ SPSS كأداة لتحليل البيانات المتوَّفرة.
توصلت الدراسة إلى جملة من النتائج كان منها:
لا علاقة معنوية بين التمويل الأخضر والأداء المالي، حيث بلغ معامل الارتباط بيرسون (0.026) وهو يدلّ على ارتباط ضعيف شبه معدوم بين التمويل الأخضر والأداء المالي.
لا توجد علاقة معنوية بين أنواع التمويل الأخضر (التمويل قصير الأجل، التمويل متوسط الأجل، التمويل طويل الأجل) والمخاطرة، حيث بلغ معامل الارتباط بيرسون على التوالي (0.001، 0.036، 0.290،) وهو يدلّ على ارتباط ضعيف شبه معدوم بين أنواع التمويل الأخضر والمخاطرة.
لا توجد علاقة معنوية بين أنواع التمويل الأخضر (التمويل قصير الأجل، التمويل متوسط الأجل، التمويل طويل الأجل) والسيولة، حيث بلغ معامل الارتباط بيرسون على التوالي (0.068، 0.065، 0.227،) وهو يدلّ على ارتباط ضعيف شبه معدوم بين أنواع التمويل الأخضر والسيولة.
The study aimed to determine the impact of green finance of all kinds (short-term finance, medium-term finance, long-term finance) in improving the financial performance of traditional commercial banks in Lattakia Governorate.
The study followed the analytical descriptive approach, and a set of methods, including relying on secondary and primary data, through a questionnaire that was designed and distributed to (97) respondents, (93) were recovered from them, and (89) questionnaires were valid for analysis, and the research community consisted of the cadre of workers in The upper administrative levels of the branches of the traditional Syrian commercial banks are responsible for the financing decision-making process, then the SPSS program was relied upon as a tool for analyzing the available data.
The study reached a number of results, including:
There is no significant relationship between green finance and financial performance, as the Pearson correlation coefficient is (0.026), which indicates a weak, almost non-existent, correlation between green finance and financial performance.
There is no significant relationship between the types of green finance (short-term finance, medium-term finance, long-term finance) and risk, as the Pearson correlation coefficient reached (0.001, 0.036, 0.290, respectively), which indicates a weak, almost non-existent correlation between the types of green finance and risk. .
There is no significant relationship between the types of green finance (short-term finance, medium-term finance, long-term finance) and liquidity, as the Pearson correlation coefficient reached (0.068, 0.065, 0.227), which indicates a weak, almost non-existent, correlation between the types of green finance and liquidity.
References used
Abdel Amir, Nour Nabil. Green finance and its role in improving the performance of green banks an exploratory study of the opinions of a sample of bank managers. Unpublished Higher Diploma Research, College of Administration and Economics, University of Karbala, p. 17-19
Al-Khatib, Muhammad Mahmoud (2010). Financial performance and its impact on the returns of joint stock companies. First Edition, Dar Al-Hamid for Publishing and Distribution, Amman, Jordan, pg. 46.
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