The role of Islamic banking windows in improving financial performance and creating a competitive advantage for commercial banks in Sirte: A field study from the employees' perspective

Abstract

This study aimed to measure the role of Islamic windows in enhancing financial performance and creating a competitive advantage for commercial banks in the city of Sirte, from the employees' perspective. To achieve this, the study adopted the descriptive-analytical approach. Its population consisted of all employees of the five commercial banks that offer Islamic products in the city. A simple random sample with a final size of (136) employees was selected. A questionnaire was used as the main tool for data collection, which was analyzed using the Statistical Package for the Social Sciences (SPSS). The study reached several important findings, most notably a high role for Islamic windows in creating a competitive advantage, with a general mean of (4.12), followed by their role in enhancing financial performance with a mean of (3.93). The results also showed that the most significant impact of these windows is "improving the bank's corporate image," with a mean of (4.30). The study also proved the absence of statistically significant differences in employees' perceptions attributable to their demographic variables. Accordingly, the study recommended leveraging the positive corporate image created by these products in marketing campaigns, intensifying internal training for employees on the strategic dimensions of these services, and conducting future research from other perspectives.