Factors Affecting the Usage Level of Financial Analysis by Credit Officers in the Credit Decision in Libyan Commercial Banks
Mansoor MAITAH, Khaled Zedan, Bashir Shibani

Abstract
The study aims to give an idea about the usage level of financial analysis in Libyan state-owned commercial banks, and the factors affecting the process in the credit decision, since these banks owns almost 90% of Libyan banking sector assets. To collect the data a questionnaire were distributed to credit officers and analysts in all state-owned commercial banks operate in Tripoli. The data was analyzed using SPSS program. The analysis results show that there is a weak usage level of financial analysis in the decision making process of evaluating the eligibility of the credit applicants for accredits facility. These results caused for two major reasons, first poor qualification and professional credit officers and analysts, second the low confidence level of the financial information presented by credit applicants. The major recommendation is increase more attention to reform the whole process in this field.

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