الصيرفة الإسلامية بين المنهج الشرعي والتطبيق المصرفي: دراسة تحليلية على المصارف الليبية

This study aims to analyze the gap between the Shariah methodology of Islamic banking and practical application in Libyan banks by assessing the extent to which these banks comply with the controls of Islamic Shariah and identifying the obstacles that prevent the implementation of an integrated Islamic banking model. The study used the descriptive-analytical approach, relying on a review of literature, field studies, and surveys conducted on Libyan banks. The findings indicate that Islamic banking in Libya faces a fundamental gap between Shariah grounding and application, manifested in an almost exclusive focus on the Murabaha formula, weak use of Musharakah and Mudarabah formulas, the absence of a unified regulatory framework, and varying effectiveness of Shariah supervision. The analysis also showed that institutional, regulatory, and cultural factors constitute major constraints on the adoption of Islamic financial transactions. The study recommends unifying the legislative and regulatory framework, developing human capacities, diversifying Islamic banking products to include Musharakah and Mudarabah formulas, and enhancing the effectiveness of Shariah supervisory boards.