The University of Chlef Journals
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دور وسائل الدفع الإلكتروني في التخفيف من المخاطر المالية والمصرفية دراسة تطبيقية على بعض المصارف اليمنية - -: The role of E – payment methods in mitigating financial and banking risks- practical study on some Yemeni banks
This study aimed to identify the reality of electronic payment methods and its role in mitigating financial and banking risks through applied to Yemeni banks. The study depends on analytical descriptive approach to analyzing the data of the study. The study population also consisted of a group of workers in some Yemeni banks, whose number is (6) banks. And through Statistical treatment. The study reached a set of results. Electronic payment methods contributes to increasing the mitigation of financial and banking risks in Yemeni banks by (.783), And there is a significant impact of the use internet banking and electronic payment cards in Yemeni banks in mitigating financial and banking risks, the size of the effect of each of them reached (67%), (63%),Also There is a slight impact of using electronic money wallets in mitigating financial and banking risks in Yemeni banks, the size of their effect reached (48%),And Weak of banking awareness in the use of electronic payment methods by Yemeni bank customers, the degree of awareness reached (63%).
 
المخاطر القانونية لعقد المناولة الصناعية: إكراهات قانون المنافسة: The legal risks of the industrial subcontracting: Competition law constraints
From a legal point of view, the study outlines some of the legal risks (competition law) that need to be taken into account in the Industrial subcontracting in its aspects related to intellectual property rights. European Union law has been used to illustrate how it has dealt with the issue, as well as Algerian law, which has focused on industrial subcontracting as a tool for the development of small and medium-sized enterprises (SMEs).On the basis of the adopted hypothesis, the study concludes by clarifying when competition law is violated in an industrial subcontracting and how competition policy accompanies partnership agreements between sub-contractor SMEs
Modeling and Forecasting Volatility of Qatar Stock Exchange in light of the blockade and Covid-19 crises Using GARCH Models
This study aims to model the Volatility of the (Qatar Stock Exchange) QSE returns and to forecastthem out of the sample using GARCH models using the database of daily closing prices for theQSE index during the period (04/01/2016-07/07/2022). The study concludes that the GARCHmodel (1,1) is the best model for estimating and forecasting the volatility in the returns of the QSEindex out of sample. It is also found that the returns will take stable levels in the short term .despite the critical economic situation and health instability as far as the region and the wholeWorld. From here, we conclude that the blockade crisis prepared Qatar for the COVID-19 crisis,and the COVID-19 crisis prepared Qatar for future crises. Through excellence in various political,economic, financial and social fields
أثر تقلبات سعر الصرف الرسمي والانفتاح الاقتصادي على التضخم والميزان التجاري في الجزائر مقارنة مع بعض الدول .PANEL NARDL و PANEL ARDL 2020 ) باستخدام نماذج - العربية خلال الفترة ( 1: The Impact of the Official Exchange Rate Fluctuations and Economic Openness on Inflation and the Trade Balance in Algeria Compared to some Arab countries during the Period (1990-2020) using PANEL ARDL and PANEL NARDL Models.
This study aims at knowing with application of standard modeling showing the impact of fluctuations inthe official exchange rate and economic openness on inflation and the trade balance in Algeria incomparison with some Arab countries during the period (1990-2020), in order to explain the nature of theeconomic relationship between the explanatory variables and the two dependent variables in Algeria, incomparison with other Arab countries chosen in this study.The assessment results concluded that there is a long-term relationship between the independentvariables; official exchange rate, and trade openness with the two dependent variables; the inflation rateand the trade balance, also exchange rate fluctuations have a long-term inverse effect on the inflation rate,while economic openness had a long-term positive effect on the inflation rate, and that positive exchangerate changes have an inverse relationship with the trade balance in contrast to negative exchange ratechanges that had a direct long-term relationship with the trade balance in the group of Arab countriesincluded in study, and the effect was more severe in Egypt and Jordan in comparison with Bahrain, Algeriaand Saudi Arabia
Analyse économique des instruments indirects de la politique monétaire de la zone euro: Economic analysis of indirect instruments of monetary policy in the euro area
The purpose of this article is to present an economic analysis of the indirect instruments ofmonetary policy of the European Central Bank (ECB) from 1999 to date. Thus, we carried out astudy of the indirect instruments of the common monetary policy, based on a qualitative andquantitative analysis of the data extracted from the various official sites of this institution. The firstresults show that the effects of monetary policy on inflation, the main objective of the ECB, and onthe economy only materialize after a certain period, because these effects follow severaltransmission channels which are slow. , complex and different from one State to another within theeuro zone itself, which makes decisions on single currency policy difficult, especially after the lastfinancial crisis.L’objet de cet article est de présenter une analyse économique des instruments indirects de lapolitique monétaire de la Banque Centrale Européenne (BCE) de 1999 à ce jour. Ainsi, nousavons effectué une étude des instruments indirects de la politique monétaire commune, baséesur une analyse qualitative et quantitative des données extraites des différents sites officiels decette institution. Les premiers résultats attestent que les effets de la politique monétaire surl\u27inflation, principal objectif de la BCE, et sur l\u27économie ne se réalisent qu\u27après une certainepériode, du fait que ces effets empruntent plusieurs canaux de transmission qui sont lents,complexes et différents d’un Etat à un autre au sein même de la zone euro, ce qui rend difficile lesdécisions de la politique de la monnaie unique, notamment après la dernière crise financière
التعاون الاقتصادي العربي ومقومات التكامل الزراعي لتحقيق الأمن الغذائي في الدول العربية: Arab economic cooperation and the pillars of agricultural integration to achieve food security in Arab countries
While the trade liberalization process - under the aegis of the World Trade Organization (WTO), inparallel with the trading blocs - has succeeded in opening up the world trade in agriculture andincreasing the intensity of the flow of Agrofood products. At the same time, the weakness that theArab region faces in the value of agricultural trade has shown the limited extent of Arab economiccooperation and integration, despite their role in stimulating economic growth and theirimportance in promoting skills development at the regional level, which has contributed towidening the Arab food gap in favor of other partner countries to reach the $33,6 billion limit in2017, To this end, this research will attempt to analyze the main problems related to theagricultural sector in the Arab countries, in order to identify their common points, challenges andopportunities that can be achieved through a prodigious effort in the field of inter-Arabagricultural cooperation in order to ensure Arab food security, and reduce the still significant fooddeficit
نحو تعزيز تمويل المشروعات الصغيرة والمتوسطة من خلال التمويل الجماعي وإقراض النظير للنظير: Toward Enhanced SME’s Financing Through Crowdfunding and Peer- to- Peer Lending
This Study aims to know the extent to which Crowdfunding and Peer-to-Peer Lending can bridgethe financing gap of Small and Medium-Sized Enterprises, Especially in light of rejection of it bytraditional lending and financing Agencies, In addition to what these new alternatives know of aqualitive leap at the international level, the descriptive and analytical methods was relied upon asrequired by the nature of the topic, the research paper concluded that crowdfunding is witnessinga high development in the largest Global Economies, Algeria also recorded its first steps of somedigital Platforms, Moving to the leader role of peer-to-peer lending in order to support SME’s
أثر أبعاد تجربة العلامة التجارية على الولاء الموقفي والولاء السلوكي -دراسة تجريبية على سيارات هيونداي -: The impact of brand experience dimensions on attitudinal and behavioral loyalty - An empirical study on Hyundai cars -
This current study’s primary purpose was to empirical research on the impact of brand experiencedimensions (i.e., sensory, affective, behavioral, and intellectual) on attitudinal loyalty andbehavioral loyalty of Hyundai cars brand. We analyzed data from 200 customers who hadpurchased Hyundai cars. The data was tested through partial least squares structural equationmodeling SmartPLS3 program. The findings of study revealed that brand experience dimensionshad substantial positive impact on both attitudinal loyalty and behavioral loyalty
حتمية التغييرات المحاسبية في القطاع العام في إطار التسيير العمومي الحديث: The inevitability of accounting changes in the public sector in the framework of modern public management
This topic acquires its importance from the strategic position of the public accounting systemin the state’s financial management system, where the state’s accounting system produces financialreports that display the activity of public sector units that are used for the purposes of planning,control and evaluation of the performance of government units to control the management of publicmoney. The new public management is a “coordinated program for public sector reform that aims toreplace management with management, replace formal bureaucracy with markets or contracts to themaximum extent possible, and reduce the size of the public sector. This study aims mainly to highlightthe relationship between public accounting and the new public management and linkage Betweenadministrative reform and accounting reform in the public sector to implement economic reforms asa whole in order to try to reach that the new public management movement imposes a change in thefoundations of public accounting adopted to measure performance
دور البنوك الإسلامية في تعزيز الشمول المالي: دراسة قياسية لعينة من الدول الإسلامية للفترة 2014 - 2021 : Role of Islamic Banks in Promoting Financial Inclusion: An Econometric Study of a Sample of Islamic Countries for the Period (2014-2021)
This research paper seeks to clarify the role of Islamic banks in promoting financial inclusion by providing a variety of banking services to all segments of society, particularly the excluded and marginalized groups, The study used sectional time series models (Panel Data) in (Eviews.12) program on a sample of 13 Islamic countries from 2014 to 2021, and the descriptive approach was used in the theoretical side and the analytical approach in the applied side.The study produced several findings, the most notable of which was the contribution of Islamic banks to increasing financial inclusion in the countries under study by providing a wide range of banking services to the largest segment of customers, It also recommends that traditional banks return to their roots and comply with Islamic law teachings in order to achieve prosperity and reduce poverty, and thus achieve high-efficiency financial inclusio