{"id":965,"date":"2026-01-21T02:32:13","date_gmt":"2026-01-21T00:32:13","guid":{"rendered":"https:\/\/www.20w.store\/%d8%b9%d9%86-%d8%a7%d9%84%d8%b5%d9%86%d8%af%d9%88%d9%82\/"},"modified":"2026-02-08T23:57:01","modified_gmt":"2026-02-08T21:57:01","slug":"about-dif","status":"publish","type":"page","link":"https:\/\/stg.dif.gov.ly\/en\/about-dif\/","title":{"rendered":"About DIF"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"965\" class=\"elementor elementor-965 elementor-342\" data-elementor-settings=\"{&quot;element_pack_global_tooltip_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec009e8 e-flex e-con-boxed e-con e-parent\" data-id=\"3ec009e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-65f47844 e-con-full e-flex e-con e-child\" data-id=\"65f47844\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4312183c elementor-widget__width-inherit ui-e-right ui-e-icon-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"4312183c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            1: About the DIF                        <\/h4>\n                        <p class=\"ui-e-text\"> The Depositors' Funds Guarantee Fund was established with the aim of protecting the rights of depositors and promoting stability in the banking sector. The Fund operates as an independent entity managed according to sound governance frameworks, and contributes to reducing the financial risks resulting from the failure or liquidation of banks. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            2: Vision                        <\/h4>\n                        <p class=\"ui-e-text\"> The fund should be a leading model in protecting depositors' funds, and a supporter of financial stability and economic development. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e9bc51f ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"4e9bc51f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            3: The Message                        <\/h4>\n                        <p class=\"ui-e-text\"> Providing a legal and financial protection umbrella for depositors, enhancing transparency in the banking system, and ensuring the fund's readiness to deal with any emergency that may affect depositors' funds. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            4: Values                        <\/h4>\n                        <p class=\"ui-e-text\"> 1. Transparency<br> 2. Credibility<br> 3. Efficiency<br> 4. Independence<br> 5. Accountability <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a10ec57 e-con-full e-flex e-con e-child\" data-id=\"a10ec57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a30d16 ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"5a30d16\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            5: Establishment                        <\/h4>\n                        <p class=\"ui-e-text\"> The Depositors\u2019 Funds Guarantee Fund was established in accordance with Law No. (1) of 2005 on Banks, amended by Law No. (46) of 2012, and its basic system was issued by the decision of the General People\u2019s Committee (formerly) No. 513 of 2009, issued on 07\/11\/2009, and the Fund commenced its activity on 01\/03\/2010, with the aim of enabling the banking sector in Libya to keep pace with international developments in this field. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0927750 e-con-full e-flex e-con e-child\" data-id=\"0927750\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c81cd93 ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"c81cd93\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            6: Organizational Structure                        <\/h4>\n                        <p class=\"ui-e-text\"> The fund adopts an administrative and organizational structure that ensures efficient performance, and includes: <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-53affb73 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"53affb73\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5afe6731\" data-id=\"5afe6731\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-470220f0 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"470220f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:460}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Board of Directors:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c02756f elementor-widget elementor-widget-text-editor\" data-id=\"c02756f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The fund is managed by a seven-member board of directors, chaired by the Deputy Governor of the Central Bank of Libya, and including the Undersecretary of the Ministry of Economy, the Undersecretary of the Ministry of Finance, the Director of the Banking and Monetary Control Department, and three members appointed by the Central Bank of Libya&#8217;s board of directors. The board is responsible for several tasks, most importantly setting policies and strategies, approving the annual budget, approving the investment plan and policy for the fund&#8217;s assets, adopting the organizational structure and job descriptions, approving the disclosure and transparency policy for publishing data on the fund&#8217;s activities, and other related tasks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7321dbf6\" data-id=\"7321dbf6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-section elementor-inner-section elementor-element elementor-element-669f4975 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"669f4975\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2121b114\" data-id=\"2121b114\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12c9527b elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"12c9527b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0631\u0626\u064a\u0633-\u0627\u0644\u0645\u062c\u0644\u0633.jpg\" class=\"attachment- size-\" alt=\"Mr. Marai Muftah Al-Barasi\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0631\u0626\u064a\u0633-\u0627\u0644\u0645\u062c\u0644\u0633.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0631\u0626\u064a\u0633-\u0627\u0644\u0645\u062c\u0644\u0633-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0631\u0626\u064a\u0633-\u0627\u0644\u0645\u062c\u0644\u0633-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0631\u0626\u064a\u0633-\u0627\u0644\u0645\u062c\u0644\u0633-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0631\u0626\u064a\u0633-\u0627\u0644\u0645\u062c\u0644\u0633-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr. Marai Muftah Al-Barasi\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tDeputy Governor \/ Chairman of the Board\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-289c0853\" data-id=\"289c0853\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a18d4d2 elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"a18d4d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/Dif-Libya-board.jpg\" class=\"attachment- size-\" alt=\"Mr. Abdul Majeed Mohammed Al-Maqouri\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/Dif-Libya-board.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/Dif-Libya-board-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/Dif-Libya-board-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/Dif-Libya-board-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/Dif-Libya-board-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr. Abdul Majeed Mohammed Al-Maqouri\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tVice Chairman of the Board\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2f8c5acb\" data-id=\"2f8c5acb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b60afac elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"b60afac\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0639\u0636\u0648-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629.jpg\" class=\"attachment- size-\" alt=\"Mr.\/Dr. Nabil Abdel Jalil Abu Janah\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0639\u0636\u0648-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0639\u0636\u0648-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0639\u0636\u0648-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0639\u0636\u0648-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0639\u0636\u0648-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr.\/Dr. Nabil Abdel Jalil Abu Janah\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tBoard Member\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-inner-section elementor-element elementor-element-8606383 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8606383\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-193e52e\" data-id=\"193e52e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1bbb2d elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"f1bbb2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f\u0645\u062d\u0645\u062f-\u0639\u0628\u0627\u0633.jpg\" class=\"attachment- size-\" alt=\"Mr.\/Dr. Mohamed Abbas Hassan\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f\u0645\u062d\u0645\u062f-\u0639\u0628\u0627\u0633.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f\u0645\u062d\u0645\u062f-\u0639\u0628\u0627\u0633-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f\u0645\u062d\u0645\u062f-\u0639\u0628\u0627\u0633-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f\u0645\u062d\u0645\u062f-\u0639\u0628\u0627\u0633-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f\u0645\u062d\u0645\u062f-\u0639\u0628\u0627\u0633-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr.\/Dr. Mohamed Abbas Hassan\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tBoard Member\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-45bc795\" data-id=\"45bc795\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11cfc14 elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"11cfc14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f-\u0633\u0647\u064a\u0644-\u0639\u0628\u062f\u0627\u0644\u0645\u0637\u0644\u0648\u0628-\u0628\u0648\u0634\u064a\u062d\u0629.jpg\" class=\"attachment- size-\" alt=\"Mr.\/Dr. Suhail Abdul Muttalib Bushiha\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f-\u0633\u0647\u064a\u0644-\u0639\u0628\u062f\u0627\u0644\u0645\u0637\u0644\u0648\u0628-\u0628\u0648\u0634\u064a\u062d\u0629.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f-\u0633\u0647\u064a\u0644-\u0639\u0628\u062f\u0627\u0644\u0645\u0637\u0644\u0648\u0628-\u0628\u0648\u0634\u064a\u062d\u0629-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f-\u0633\u0647\u064a\u0644-\u0639\u0628\u062f\u0627\u0644\u0645\u0637\u0644\u0648\u0628-\u0628\u0648\u0634\u064a\u062d\u0629-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f-\u0633\u0647\u064a\u0644-\u0639\u0628\u062f\u0627\u0644\u0645\u0637\u0644\u0648\u0628-\u0628\u0648\u0634\u064a\u062d\u0629-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u062f-\u0633\u0647\u064a\u0644-\u0639\u0628\u062f\u0627\u0644\u0645\u0637\u0644\u0648\u0628-\u0628\u0648\u0634\u064a\u062d\u0629-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr.\/Dr. Suhail Abdul Muttalib Bushiha\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tUndersecretary of the Ministry of Economy and Trade <br> Member of the Board of Directors\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-380a9cd\" data-id=\"380a9cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6489b3 elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"b6489b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0645\u064a\u0646-\u0633\u0631-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-1.jpg\" class=\"attachment- size-\" alt=\"Mr.\/Dr. Abu Al-Eid Muhammad Al-Ayyash\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0645\u064a\u0646-\u0633\u0631-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-1.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0645\u064a\u0646-\u0633\u0631-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-1-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0645\u064a\u0646-\u0633\u0631-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-1-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0645\u064a\u0646-\u0633\u0631-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-1-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0645\u064a\u0646-\u0633\u0631-\u0645\u062c\u0644\u0633-\u0627\u0644\u0627\u062f\u0627\u0631\u0629-1-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr.\/Dr. Abu Al-Eid Muhammad Al-Ayyash\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tSecretary of the Board of Directors\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-section elementor-top-section elementor-element elementor-element-f01242b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f01242b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0eff88e\" data-id=\"0eff88e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49c5ff6 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"49c5ff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:460}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Executive Management:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-562d2a2 elementor-widget elementor-widget-text-editor\" data-id=\"562d2a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Dif has a general manager and a deputy general manager, who are responsible for overseeing the fund&#8217;s operations through a group of departments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6eb360e\" data-id=\"6eb360e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-section elementor-inner-section elementor-element elementor-element-cb61dbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cb61dbe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b626922\" data-id=\"b626922\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79e0400 elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"79e0400\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0644\u0645\u062f\u064a\u0631-\u0627\u0644\u0639\u0627\u0645.jpg\" class=\"attachment- size-\" alt=\"Mr. Milad Faraj Al-Sahli\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0644\u0645\u062f\u064a\u0631-\u0627\u0644\u0639\u0627\u0645.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0644\u0645\u062f\u064a\u0631-\u0627\u0644\u0639\u0627\u0645-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0644\u0645\u062f\u064a\u0631-\u0627\u0644\u0639\u0627\u0645-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0644\u0645\u062f\u064a\u0631-\u0627\u0644\u0639\u0627\u0645-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0627\u0644\u0645\u062f\u064a\u0631-\u0627\u0644\u0639\u0627\u0645-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr. Milad Faraj Al-Sahli\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tGeneral Manager\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-092f858\" data-id=\"092f858\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-713b720 elementor-invisible elementor-widget elementor-widget-bdt-member\" data-id=\"713b720\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:380}\" data-widget_type=\"bdt-member.default\">\n\t\t\t\t\t\n\t\t<div class=\"bdt-member skin-default bdt-transition-toggle\">\n\t\t\t\n\t\t\t\t<div class=\"bdt-member-photo-wrapper\">\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"bdt-member-photo\">\n\t\t\t\t\t\t\t<div class=\"\">\n\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"896\" height=\"1200\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0646\u0627\u0626\u0628-\u0627\u0644\u0645\u062f\u064a\u0631.jpg\" class=\"attachment- size-\" alt=\"Mr. Ali Nouri Al-Shaibani\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0646\u0627\u0626\u0628-\u0627\u0644\u0645\u062f\u064a\u0631.jpg 896w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0646\u0627\u0626\u0628-\u0627\u0644\u0645\u062f\u064a\u0631-224x300.jpg 224w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0646\u0627\u0626\u0628-\u0627\u0644\u0645\u062f\u064a\u0631-765x1024.jpg 765w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0646\u0627\u0626\u0628-\u0627\u0644\u0645\u062f\u064a\u0631-768x1029.jpg 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/02\/\u0646\u0627\u0626\u0628-\u0627\u0644\u0645\u062f\u064a\u0631-485x650.jpg 485w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"bdt-member-content\">\n\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-name\">\n\t\t\t\t\t\tMr. Ali Nouri Al-Shaibani\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"bdt-member-role\">\n\t\t\t\t\t\tDeputy General Manager\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4864bc6\" data-id=\"4864bc6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73eb4125 e-con-full e-flex e-con e-parent\" data-id=\"73eb4125\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2107dc4f e-con-full e-flex e-con e-child\" data-id=\"2107dc4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1271d863 ui-e-a-animate elementor-invisible elementor-widget elementor-widget-highlighted-text\" data-id=\"1271d863\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:&quot;200&quot;}\" data-widget_type=\"highlighted-text.default\">\n\t\t\t\t\t        <h3 class=\"ui-e--highlighted-text\">\n            <span class=\"ui-e-headline-text elementor-repeater-item-b68a653\">The technical, financial, and legal departments consist of:<\/span>        <\/h3>\n    \t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-107ab93c e-con-full e-flex e-con e-child\" data-id=\"107ab93c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-41741481 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"41741481\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;200&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-276533c5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"276533c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-pause\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M144 479H48c-26.5 0-48-21.5-48-48V79c0-26.5 21.5-48 48-48h96c26.5 0 48 21.5 48 48v352c0 26.5-21.5 48-48 48zm304-48V79c0-26.5-21.5-48-48-48h-96c-26.5 0-48 21.5-48 48v352c0 26.5 21.5 48 48 48h96c26.5 0 48-21.5 48-48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">START<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-344f33b9 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"344f33b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;280&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37af8d35 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"37af8d35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-738719d8 elementor-widget elementor-widget-heading\" data-id=\"738719d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Administrative Affairs and Human Resources Department<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4db0c6b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4db0c6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This department is responsible for implementing laws, regulations, systems, administrative decisions, human resources, public relations, training and services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75ff94f1 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"75ff94f1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;360&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d865f4a elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5d865f4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e97ec4c elementor-widget elementor-widget-heading\" data-id=\"3e97ec4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Accounting and Finance Department<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e98ea1f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2e98ea1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is responsible for monitoring all financial activities and operations of the fund, from maintaining accounting records and systems, to monitoring the preparation of the draft budget and final accounts of the fund, and carrying out operations related to financial resources and reserves.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dfaf13a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1dfaf13a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;440&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33215891 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"33215891\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">3<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ee09a6c elementor-widget elementor-widget-heading\" data-id=\"1ee09a6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Risk management and inspection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35797b6d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"35797b6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It examines the records of member banks of the fund that are facing problems according to the banks\u2019 published financial statements, conducts financial analysis of the published data and monitors economic indicators, in particular those relating to deposits, liquidity and reserves, capital reports, credit and risk positions of banks, and securities activity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a357c6a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a357c6a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;440&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d0a14b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5d0a14b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">4<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2ad08b elementor-widget elementor-widget-heading\" data-id=\"a2ad08b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Studies and Investment Department<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4771a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2d4771a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Studies and Investment Department is responsible for preparing studies and research on activities related to the Fund&#8217;s functions. It also manages the Fund&#8217;s investments and monitors the returns, which are used to bolster the Fund&#8217;s reserves.<\/p><p>Furthermore, the Fund does not distribute profits generated from its available investment instruments, in accordance with the provisions of its Articles of Association and the resolutions issued by the Board of Directors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6380d1a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6380d1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;440&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7717cca elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7717cca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">5<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36ce9e4 elementor-widget elementor-widget-heading\" data-id=\"36ce9e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Internal Audit Office<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0719de8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0719de8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is concerned with conducting audits and reviews of the operations carried out in the fund, and examining records, documents, statements, and other documents, in order to achieve a high degree of confidence in the accuracy and validity of the implementation of that information.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96bf48b e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"96bf48b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;440&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f84377 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9f84377\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">6<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5078c elementor-widget elementor-widget-heading\" data-id=\"6a5078c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Legal Affairs Office<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e5f8f1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7e5f8f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The office is responsible for providing legal opinions and advice on the topics presented to it, as well as following up on and completing all legal procedures for the Fund\u2019s business and legal cases, and preparing and drafting decisions issued by the Board of Directors and the General Manager, and other tasks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c83924d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"c83924d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;440&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1297d0a elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1297d0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">7<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa1f16a elementor-widget elementor-widget-heading\" data-id=\"fa1f16a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">IT Office<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a457627 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a457627\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Information Technology Office is responsible for managing, operating, and monitoring approved IT systems, overseeing the Fund&#8217;s networks and software, and all IT-related devices and systems. It also takes all necessary operational and technical measures to ensure business continuity, security, and the efficiency of IT services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25526b90 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"25526b90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:&quot;520&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e59bcba elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4e59bcba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-play-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm115.7 272l-176 101c-15.8 8.8-35.7-2.5-35.7-21V152c0-18.4 19.8-29.8 35.7-21l176 107c16.4 9.2 16.4 32.9 0 42z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">FINISH<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9245dd0 e-con-full e-flex e-con e-child\" data-id=\"9245dd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5de73a elementor-widget elementor-widget-image\" data-id=\"e5de73a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/01\/Dif-Libya-\u202b\u202b\u0627\u0644\u0647\u064a\u0643\u0644\u202c-\u202b\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Dif Libya - \u202b\u202b\u0627\u0644\u0647\u064a\u0643\u0644\u202c \u202b\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6OTY2LCJ1cmwiOiJodHRwczpcL1wvc3RnLmRpZi5nb3YubHlcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjZcLzAxXC9EaWYtTGlieWEtXHUyMDJiXHUyMDJiXHUwNjI3XHUwNjQ0XHUwNjQ3XHUwNjRhXHUwNjQzXHUwNjQ0XHUyMDJjLVx1MjAyYlx1MDYyN1x1MDY0NFx1MDYyYVx1MDY0Nlx1MDYzOFx1MDY0YVx1MDY0NVx1MDY0YS5wbmcifQ%3D%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"988\" height=\"688\" src=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/01\/Dif-Libya-\u202b\u202b\u0627\u0644\u0647\u064a\u0643\u0644\u202c-\u202b\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a.png\" class=\"attachment-full size-full wp-image-966\" alt=\"\" srcset=\"https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/01\/Dif-Libya-\u202b\u202b\u0627\u0644\u0647\u064a\u0643\u0644\u202c-\u202b\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a.png 988w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/01\/Dif-Libya-\u202b\u202b\u0627\u0644\u0647\u064a\u0643\u0644\u202c-\u202b\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a-300x209.png 300w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/01\/Dif-Libya-\u202b\u202b\u0627\u0644\u0647\u064a\u0643\u0644\u202c-\u202b\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a-768x535.png 768w, https:\/\/stg.dif.gov.ly\/wp-content\/uploads\/2026\/01\/Dif-Libya-\u202b\u202b\u0627\u0644\u0647\u064a\u0643\u0644\u202c-\u202b\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a-650x453.png 650w\" sizes=\"(max-width: 988px) 100vw, 988px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd94357 e-flex e-con-boxed e-con e-parent\" data-id=\"dd94357\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0340c03 e-con-full e-flex e-con e-child\" data-id=\"0340c03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4775d ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"fb4775d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            7. Key features of the Dif                        <\/h4>\n                        <p class=\"ui-e-text\"> The main features of the fund were set out within a comprehensive legal framework that clarifies the tasks and roles assigned to it, the powers it is responsible for, and the procedures it undertakes to achieve the basic objective for which it was established, in accordance with what is included in the fund\u2019s bylaws regarding membership and the conditions of guarantee and coverage. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ba6187 ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"0ba6187\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            \u2013 Deposit guarantee                        <\/h4>\n                        <p class=\"ui-e-text\"> The Fund is legally responsible for guaranteeing depositors' funds in member banks and for paying the guarantee amounts to depositors in the event of any bank's liquidation by decision of the Central Bank. In such a case, the Fund becomes obligated to pay the guarantee amounts from its reserves as an agent for the depositors, in accordance with the Fund's bylaws. The guarantee mechanism, guarantee ceiling, and scope of coverage are organized as follows: <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f6d6a6 e-flex e-con-boxed e-con e-parent\" data-id=\"9f6d6a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4aac4dd e-con-full e-flex e-con e-child\" data-id=\"4aac4dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba95c29 elementor-widget elementor-widget-text-editor\" data-id=\"ba95c29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>1. Membership:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-766477c elementor-widget elementor-widget-text-editor\" data-id=\"766477c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Membership in the Depositors&#8217; Funds Guarantee Fund is mandatory for all banks and institutions licensed to accept deposits in Libya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52b349b elementor-widget elementor-widget-text-editor\" data-id=\"52b349b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>2. Warranty ceiling:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d752dda elementor-widget elementor-widget-text-editor\" data-id=\"d752dda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Depositors&#8217; Funds Guarantee Fund shall compensate depositors in the event of the bankruptcy or liquidation of one of its member banks, according to the limits specified in the Fund&#8217;s bylaws, as follows:<br \/>A- The full value of the deposit, if it is 10,000 dinars or less.<\/p><p>B- Half the value of the deposit, for amounts exceeding 10,000 dinars but not exceeding 100,000 dinars.<\/p><p>C- One-quarter of the value of the deposit, for amounts exceeding 100,000 dinars but not exceeding 400,000 dinars.<\/p><p>D- One-eighth of the value of the deposit, for amounts exceeding 400,000 dinars but not exceeding one million dinars.<\/p><p>E- One-tenth of the value of the deposit, for amounts exceeding one million dinars, provided that the maximum guarantee amount is 250,000 dinars.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de2b926 elementor-widget elementor-widget-text-editor\" data-id=\"de2b926\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"calculate-compensation\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><style>@media (max-width:480px){#cff-iframe-1{min-height:354px;}}@media (max-width:768px){#cff-iframe-1{min-height:281px;}}<\/style><script data-category=\"functional\" type=\"text\/javascript\">window.addEventListener(\"message\", function(e) {\n\t\t\t\t\t\t\tif (\"data\" in e && typeof e.data == \"object\" && ! Array.isArray(e.data) && \"cff_height\" in e.data && \"cff_iframe\" in e.data) {\n\t\t\t\t\t\t\t\ttry{\n\t\t\t\t\t\t\t\t\tlet el = document.getElementById(e.data.cff_iframe);\n\t\t\t\t\t\t\t\t\tel.style.height = e.data.cff_height + \"px\";\n\t\t\t\t\t\t\t\t\tel.style.minHeight=\"auto\";\n\t\t\t\t\t\t\t\t\tif( \"parent\" in window ) parent.postMessage({sentinel: \"amp\",type:\"embed-size\",height: e.data.cff_height+25}, \"*\");\n\t\t\t\t\t\t\t\t} catch(err){}\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}, false);\n\t\t\t\t\t\twindow.addEventListener(\"load\", function() {\n\t\t\t\t\t\t\tlet el = document.getElementById(\"cff-iframe-1\");\n\t\t\t\t\t\t\tif(el && el.hasAttribute(\"data-cff-src\")) el.setAttribute(\"src\", el.getAttribute(\"data-cff-src\"));\n\t\t\t\t\t\t});<\/script><iframe  id=\"cff-iframe-1\" title=\"Calculated Fields Form 1\" src=\"\/\/stg.dif.gov.ly\/en\/?cff-form=7&amp;cff_iframe=cff-iframe-1\" style=\"border:none;width:100%;overflow-y:hidden;\" onload=\"try{this.width=this.contentWindow.document.body.scrollWidth;this.height=this.contentWindow.document.body.scrollHeight+40;this.style.minHeight='auto';}catch(err){}\" scrolling=\"no\"><\/iframe><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c276b5 e-con-full e-flex e-con e-child\" data-id=\"6c276b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6deca24 elementor-widget elementor-widget-text-editor\" data-id=\"6deca24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>3. Scope of compensation:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62100ca elementor-widget elementor-widget-text-editor\" data-id=\"62100ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The guarantee provided by the Fund is limited to bank deposits guaranteed with member banks, as follows:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4778009 elementor-widget elementor-widget-text-editor\" data-id=\"4778009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>A- Guaranteed deposits:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd86eae elementor-widget elementor-widget-text-editor\" data-id=\"bd86eae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Commercial banks:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74b67ec elementor-widget elementor-widget-text-editor\" data-id=\"74b67ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"list-style-type: none;\"><ul><li>Demand Deposits (Current Accounts).<\/li><li>Savings Deposits (Savings Deposits).<\/li><li>Time Deposits (Term Deposits).<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15a16f8 elementor-widget elementor-widget-text-editor\" data-id=\"15a16f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Islamic banks:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c69487 elementor-widget elementor-widget-text-editor\" data-id=\"4c69487\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Demand deposits (current accounts).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2ed021 elementor-widget elementor-widget-text-editor\" data-id=\"b2ed021\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>B) Unsecured deposits:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-864b972 elementor-widget elementor-widget-text-editor\" data-id=\"864b972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"list-style-type: none;\"><ul><li>Foreign currency deposits.<\/li><li>Investment accounts in Islamic banks.<\/li><li>Any amounts deposited by a person as collateral for loans or banking facilities (cash collateral) obtained by another person, if there is a credit balance of those amounts after the repayment of the obligations that were deposited as collateral for those loans.<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cc4aa2 elementor-widget elementor-widget-text-editor\" data-id=\"7cc4aa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>4. Compensation currency:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-105d432 elementor-widget elementor-widget-text-editor\" data-id=\"105d432\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Currently, the fund guarantees deposits in Libyan dinars only.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c408129 e-flex e-con-boxed e-con e-parent\" data-id=\"c408129\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-68cbb1f e-con-full e-flex e-con e-child\" data-id=\"68cbb1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf3a2bc ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"bf3a2bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            \u2013 Reserve management:                        <\/h4>\n                        <p class=\"ui-e-text\"> In order for the Fund to efficiently and effectively fulfill its legal obligations, as stipulated in its bylaws, and to ensure full protection for the majority of depositors in member banks, it must establish specific reserves amounting to 3% of total deposits subject to the provisions of its bylaws. These reserves are to be used to compensate depositors in the event of a bank's bankruptcy or liquidation. These reserves are comprised of annual subscription fees collected from member banks. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e584681 ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"e584681\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            \u2013 Monitoring the performance of member banks:                        <\/h4>\n                        <p class=\"ui-e-text\"> In line with the Libyan legislator's emphasis on the necessity and importance of measuring banking sector risks, and to maintain the integrity of risk management and regulatory activities, the Fund is able to identify and predict the degree of risks to which banks are exposed (credit risk, market risk, operational risk). This enables the Fund to prepare early for any defaults, bankruptcies, or liquidation of member banks. The Fund undertakes this task through on-site and off-site oversight of its members, in accordance with its bylaws, to ensure the efficient and effective management of compensation processes as required, and to cooperate and coordinate with participants in the national financial safety net. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64b3b42 ui-e-icon-right elementor-widget__width-inherit ui-e-left elementor-align-left elementor-invisible elementor-widget elementor-widget-uicore-icon-list\" data-id=\"64b3b42\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_delay&quot;:&quot;300&quot;,&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"uicore-icon-list.default\">\n\t\t\t\t\t        <ul>\n                            <li >\n\n                    <div class=\"ui-e-wrap\">\n                    \n                    \n                    <div class=\"ui-e-content\">\n                        <h4 class=\"ui-e-title\">\n                            \u2013 Subscription fees:                        <\/h4>\n                        <p class=\"ui-e-text\"> The member bank shall pay an annual subscription fee of one per thousand (0.001) of the total of its deposit liabilities subject to the provisions of the Fund\u2019s bylaws, not exceeding twenty million (20,000,000) dinars and not less than two hundred and fifty thousand (250,000) dinars. The annual subscription fee percentage and the rules for its calculation may be amended in accordance with what is determined by the Board of Directors of the Central Bank of Libya, and it shall be reviewed and amended when necessary by the same entity. The annual subscription percentage shall be calculated based on the total value of the deposit liabilities subject to guarantee with the member bank at the end of December of the previous fiscal year. <\/p>\n                    <\/div>\n\n                    \n                    <\/div>\n                <\/li>\n                    <\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>1: About the DIF The Depositors&#8217; Funds Guarantee Fund was established with the aim of protecting the rights of depositors and promoting [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-965","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/pages\/965","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/comments?post=965"}],"version-history":[{"count":37,"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/pages\/965\/revisions"}],"predecessor-version":[{"id":1390,"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/pages\/965\/revisions\/1390"}],"wp:attachment":[{"href":"https:\/\/stg.dif.gov.ly\/en\/wp-json\/wp\/v2\/media?parent=965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}