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The Impact of Demographic Factors on Accessing Finance in Libya's SMEs

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Executive Summary

This paper is to investigate the impact of the demographic factors on accessing finance of Libya's SMEs. The results reported here are based on 557 survey questionnaires about the SMEs in different sectors in Libya. The authors' results confirm that demographic factors consisted of age, size, and sector have positive and significant impact on the accessing finance of Libya's SMEs. Small and Medium Enterprises (SMEs) are considered the actual growth engine in the economy of many countries. SMEs play a significant role in driving up the key macroeconomic indicators. The definition of SMEs varies in different countries, and even in various institutions within the same state.

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