{"id":4283,"date":"2025-05-31T20:17:34","date_gmt":"2025-05-31T20:17:34","guid":{"rendered":"https:\/\/journal.ziu-university.net\/?p=4283"},"modified":"2025-05-31T20:17:35","modified_gmt":"2025-05-31T20:17:35","slug":"%d8%af%d9%88%d8%b1-%d9%88%d8%b3%d8%a7%d8%a6%d9%84-%d8%a7%d9%84%d8%af%d9%81%d8%b9-%d8%a7%d9%84%d8%a5%d9%84%d9%83%d8%aa%d8%b1%d9%88%d9%86%d9%8a-%d9%81%d9%8a-%d8%a7%d9%84%d8%ad%d8%af-%d9%85%d9%86-%d8%a3","status":"publish","type":"post","link":"https:\/\/journal.ziu.edu.sy\/?p=4283","title":{"rendered":"\u062f\u0648\u0631 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0641\u064a \u0627\u0644\u062d\u062f \u0645\u0646 \u0623\u0632\u0645\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u062a\u0646\u0634\u064a\u0637 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0627\u0644\u0645\u062d\u0644\u064a &#8220;\u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 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\u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0627\u0644\u0645\u062d\u0644\u064a \u0644\u0633\u0648\u0642 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u062c\u0646\u0648\u0628 \u0627\u0644\u0644\u064a\u0628\u064a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u062f\u0627\u0644\u0629: \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0627\u0644\u0633\u064a\u0648\u0644\u0629\u060c \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0627\u0644\u062d\u0644\u064a\u060c \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u0644\u064a\u0628\u064a.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Abstract:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most developed countries consider electronic payment cards to be one of the modern ways in which individuals deal. It achieves speed in performing their transactions instead of traditional payment methods that require a long time in settling transactions. This makes traditional payment methods disappear in front of modern payment methods that have become the opinion about the possibility of replacing traditional methods. This study aims to determine the role of electronic payment methods in addressing the liquidity crisis and its impact on local consumption in the commercial market of southern Libya, especially in Wadi al-Shati. This crisis that the country has witnessed, especially recently, as withdrawing money has become an obsession among citizens, has examined the reality of electronic payment operations in Libya. This study relied on the descriptive and analytical approach to reach the specific objectives of the study. This approach was built on combining the theoretical study based on secondary sources from previous books and studies, and the applied (field) study based on primary data based on collecting information about the electronic payment methods used in the banks. The study found that statistically significant differences which is regarding to the existence of an acceptable level of use of electronic payment methods, as well as the contribution of electronic payment methods in facilitating financial transaction procedures, in addition to the contribution of electronic payment methods in alleviating the liquidity crisis, stimulating local consumption, and moving the wheel of the commercial market. The study also recommends the need for the sample banks to address the problems facing customers and employees when dealing with electronic cards, such as a shortage in the number of dispensers and stores that use electronic payment because of its impact on local consumption in the commercial market in southern Libya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Keywords: electronic cards, banks, financial transactions, liquidity, local consumption, the Libyan commercial market.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0639\u062f\u0627\u062f : <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u062f. \u0645\u064a\u0644\u0627\u062f \u0635\u0627\u0644\u062d \u062e\u0644\u064a\u0641\u0629 \u0639\u0628\u062f \u0627\u0644\u0631\u062d\u0645\u0646<\/strong><\/td><\/tr><tr><td><strong>Dr.Melad Salih Khalefah Abdulrahman<\/strong><\/td><\/tr><tr><td>\u0639\u0636\u0648 \u0647\u0626\u064a\u0629 \u062a\u062f\u0631\u064a\u0633 \u0628\u0642\u0633\u0645 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0640\u0640\u0640 \u0628\u0643\u0644\u064a\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0648\u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0633\u064a\u0627\u0633\u064a\u0629 \u0640\u0640\u0640\u0640\u0640 \u062c\u0627\u0645\u0639\u0629 \u0633\u0628\u0647\u0627<\/td><\/tr><\/tbody><\/table><\/figure>\n\r\n\t\t<div class=\"review_wrap\">\r\n\t\t\t<div id=\"review-box\" class=\"review-box review-bottom review-stars\">\r\n\t\t\t\t<div class=\"review-summary\">\r\n\t\t\t\t\t<div class=\"review-final-score\">\r\n\t\t\t\t\t\t<span title=\"\" class=\"post-large-rate stars-large\"><span style=\"width:0%\"><\/span><\/span>\r\n\t\t\t\t\t\t<h4><\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"review-short-summary\"><a href=\"https:\/\/drive.google.com\/file\/d\/1IgIjptEd4YTXc0pxI-p37DInkjMYi3yq\/view?usp=drive_link\" class=\"taq-button taq-medium taq-square taq-flat\" style=\"background-color:#a0ce4e\" target=\"_blank\"><i class=\"fa fa-download\"><\/i><span class=\"button-text\">Download<\/span><\/a>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"user-rate-wrap\">\r\n\t\t\t\t<span class=\"user-rating-text\">\r\n\t\t\t\t\t<strong>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646: <\/strong>\r\n\t\t\t\t\t<span class=\"taq-score\"><\/span>\r\n\t\t\t\t\t<small>\u0643\u0646 \u0623\u0648\u0644 \u0627\u0644\u0645\u0635\u0648\u062a\u0648\u0646 !<\/small>\r\n\t\t\t\t<\/span>\r\n\r\n\t\t\t\t<div data-rate=\"0\" data-id=\"4283\" class=\"user-rate taq-user-rate-active\">\r\n\t\t\t\t\t<span class=\"user-rate-image post-large-rate stars-large\">\r\n\t\t\t\t\t\t<span style=\"width:0%\"><\/span>\r\n\t\t\t\t\t<\/span>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"taq-clear\"><\/div>\r\n\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u0627\u0644\u0645\u0644\u062e\u0635: \u0623\u063a\u0644\u0628 \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629 \u062a\u0639\u062a\u0628\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0645\u0646 \u0637\u0631\u0642 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0627\u0644\u062a\u064a \u064a\u062a\u0639\u0627\u0645\u0644 \u0628\u0647\u0627 \u0627\u0644\u0627\u0641\u0631\u0627\u062f. \u0641\u0647\u064a \u062a\u062d\u0642\u0642 \u0627\u0644\u0633\u0631\u0639\u0629 \u0641\u064a \u0623\u062f\u0627\u0621 \u0645\u0639\u0627\u0645\u0644\u0627\u062a\u0647\u0645 \u0628\u062f\u0644\u0627\u064b \u0639\u0646 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u062a\u064a 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&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[141],"tags":[],"class_list":["post-4283","post","type-post","status-publish","format-standard","","category----2"],"_links":{"self":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts\/4283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4283"}],"version-history":[{"count":1,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts\/4283\/revisions"}],"predecessor-version":[{"id":4284,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts\/4283\/revisions\/4284"}],"wp:attachment":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4283"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4283"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}