The University of Chlef Journals
Not a member yet
925 research outputs found
Sort by
صناعة الخدمات المالية الإسلامية - تحديات الحاضر وآفاق المستقبل بعد 50 عامًا من الممارسة: Islamic Financial Services Industry - Present Challenges and Future Prospects After 50 Years of Practice
No full textيهدف هذا البحث إلى دراسة وتحليل التحديات التي واجهت صناعة الخدمات المالية الإسلامية خلال 50 عامًا من الممارسة، مع تقديم مقترحات لمواجهتها. ويركز على أبرز التحديات، باستخدام المنهج الوصفي التحليلي، كتحدي اختلاف القوانين المنظمة للعمل المصرفي الإسلامي في الدول المعنية بهذه الصناعة، وتحديات المصارف الإسلامية في تطبيق معايير لجنة بازل الدولية؛ وتحدي اختلاف الفتاوى الشرعية في المسألة الفقهية الواحدة، وتحدي تطوير المنتجات المالية الإسلامية؛ وتحدي ضعف الاهتمام بالبحث العلمي، علاوة على التحديات التي تحدثها التغيرات الاقتصادية والسياسية. كما يقدم البحث عددًا من المقترحات لتجاوز هذه التحديات، إضافة لتقديم رؤية لمستقبل هذه الصناعة. وقد خلصت الدراسة إلى مجموعة من التوصيات أهمها: أن هناك حاجة ماسة لإعداد دراسات وبحوث من طلاب الدراسات العليا والباحثين المتخصصين حول عدد من الموضوعات بهذا الخصوص.
تصنيف E44.E58.E59: JEL
تصنيف KAUJIE: k1.J42.l25.Q23This research seeks to examine and critically analyze the major challenges confronting the Islamic financial services industry over the course of five decades of practice, while simultaneously offering proposals to mitigate these challenges. Employing a descriptive and analytical methodology, the study identifies and discusses a range of critical issues. These include the divergence of legal and regulatory frameworks governing Islamic banking across different jurisdictions; the difficulties encountered by Islamic banks in implementing the standards set forth by the Basel Committee; the inconsistencies in fatwas issued on identical jurisprudential matters; the persistent challenges associated with the development and innovation of Islamic financial products; and the limited scholarly engagement with academic research in this field. Furthermore, the study addresses the implications of broader economic and political transformations that continue to shape the trajectory of the industry. In response to these challenges, the research proposes a number of strategies and recommendations designed to strengthen the resilience and sustainability of the Islamic financial services sector. It also articulates a forward-looking vision for the industry, emphasizing the importance of aligning institutional practices with both regulatory requirements and the ethical foundations of Islamic finance. The study concludes with a call for greater academic rigor, underscoring the urgent need for graduate students and specialized researchers to undertake comprehensive and methodologically sound investigations into key thematic areas. Such contributions, it argues, are indispensable for advancing knowledge, informing policy, and ensuring the continued development and global relevance of the Islamic financial services industry.
Keywords Islamic financial services industry. Challenge of developing Islamic financial products. Challenge of differing religious rulings. Challenge of implementing Basel international standards Challenge of weak interest in scientific research
JEL CLASSIFICATION: E44.E58.E59:
KAUJIE CLASSIFICATION: k1.J42.l25.Q2
الحساب الفرعي للمؤسسات غير الربحية دراسة تحليلية في ضوء الدليل الأممي والتجربة الكندية: The Satellite Account for Nonprofit Institutions: An Analytical Study in Light of the UN Handbook and the Canadian experience
No full textيهدف هذا البحث إلى تحليل الإطار المفاهيمي والمنهجي للحساب الفرعي للمؤسسات غير الربحية كما ورد في دليل الأمم المتحدة، واستعراض تجربة كندا التطبيقية في هذا المجال، ثم استشراف آفاق تطوير مؤشرات كمية ونوعية لقياس إسهام القطاع الخيري في الاقتصاد الكلي ضمن السياقات الإسلامية. وتبرز أهمية هذا الموضوع في ظل تزايد أدوار القطاع الخيري في الدول العربية والإسلامية، مقابل محدودية الأدوات الإحصائية القادرة على توصيف أثره الاقتصادي والاجتماعي، بما ينسجم مع بنيته المؤسسية ومرجعيته الشرعية.
اعتمد البحث المنهج الوصفي التحليلي، وتوزعت معالجته على ثلاثة مباحث رئيسة: تناول المبحث الأول المفاهيم الأساسية والمبررات التي استند إليها الدليل الأممي في الدعوة إلى تفعيل الحساب الفرعي للمؤسسات غير الربحية، وبيّن نماذج التنفيذ المقترحة ومتطلبات تطبيقها. واستعرض المبحث الثاني تجربة كندا، من حيث النشأة، والتصنيف، وبناء الجداول، وتقدير العمل التطوعي، والمخرجات الإحصائية، والدروس الممكن توظيفها. أما المبحث الثالث، فتناول مبررات تفعيل الحساب الفرعي في الدول العربية والإسلامية، واقترح نطاقات قياس تتناسب مع طبيعة الاقتصاد الإسلامي، ثم قدّم مجموعة من المؤشرات الكمية والنوعية القابلة للتطبيق.
خلص البحث إلى أن تفعيل الحساب الفرعي للقطاع الخيري يمثل فرصة لتعزيز دوره في السياسات الاقتصادية والاجتماعية، ويتطلب تطوير بنية بيانات متكاملة، وتوحيد التصنيفات، وبناء شراكات مؤسسية، واعتماد مؤشرات تراعي الخصوصيات الشرعية والتنظيمية، بما يُسهم في إدماج هذا القطاع في التحليل الكلي وصناعة القرار التنموي.
This study aims to analyze the conceptual and methodological framework of the satellite account for nonprofit institutions as outlined in the United Nations Handbook, review the Canadian experience as a pioneering applied model, and explore the prospects of developing quantitative and qualitative indicators to measure the contribution of the charitable sector to the macroeconomy within Islamic contexts. The research addresses a growing need to establish a statistical representation of the charitable sector in Arab and Islamic countries, where its role is expanding while statistical tools remain limited in capturing its economic and social impact.
The study adopts a descriptive-analytical methodology and is structured into three main chapters. The first chapter examines the foundational principles and justifications presented in the UN Handbook for establishing a satellite account for nonprofit institutions, alongside the recommended implementation models and prerequisites. The second chapter presents the Canadian experience, detailing the account’s evolution, classification methods, data sources, voluntary work valuation, output tables, and lessons learned. The third chapter explores the rationale, benefits, and requirements for implementing such an account in Arab and Islamic countries, proposes context-specific measurement domains aligned with Islamic economic principles, and introduces a set of applicable quantitative and qualitative indicators.
The study concludes that operationalizing a satellite account for the charitable sector provides a valuable opportunity to enhance its integration into national economic policies. Achieving this goal requires developing a unified classification system, building integrated data infrastructures, fostering institutional partnerships, and designing tailored indicators that reflect the sector’s ethical, legal, and social distinctiveness.
Keywords: Satellite account, charitable sector, nonprofit institutions, Islamic economics, quantitative and qualitative indicators, Canadian experience, UN Handbook
تطور السياحة في الأردن: دراسة الوعي السياحي لدى طلبة الجامعات الخاصة الأردنية دراسة حالة جامعة أربد الأهلية وجامعة جدارا: Tourism Evolution in Jordan: A Study of Tourism Awareness Among Students in Jordanian Private Universities (A Case Study of Irbid National University and Jadara University)
Get PDFAbstract:
This paper aims to identify tourism awareness among students of private Jordanian universities (Irbid and Jadara University). In the approach of the study a questionnaire of 312 were randomly distributed. Out of this sample, 200 proved to liable for statistical analysis. The preliminary results of the statistical study of the data indicate a high degree of awareness among students about importance of tourism and its positive effects on development of Jordan. The study recommends inclusion of tourism awareness in university curriculums in Jordan in particular and the Arab World in general. Furthermore, it stresses on the need to spread tourism awareness as well among members of the local community.
ملخص البحث
تهدف هذه الدراسة الى التعرف على مدى توفر الوعي السياحي لدى طلاب الجامعات الخاصة الاردنية (جامعة أربد وجامعة، جدارا)، حيث اعتمدت هذه الدراسة اسلوب الدراسة الميدانية من خلال الاستعانة بالاستبانة التي صممت لهذه الغاية, وتم توزيع 312 استبانة بالطريقة العشوائية على أفراد العينة العشوائية البسيطة, ولقد تم استرجاع 200 استبانة صالحة للتحليل الإحصائي. وتشير نتائج الدراسة الى أن هناك درجة عالية من الوعي السياحي نحو اهمية السياحة والآثار الايجابية لتطور السياحة في الاردن. وخلصت الدراسة الى مجموعة من التوصيات اهمها ضرورة إدخال منهاج دراسي لطلبة الجامعات يهتم بتعريف السياحة والوعي السياحي وأهم المواقع السياحية في الأردن بشكل خاص والوطن العربي بشكل عام، وضرورة الاهتمام بنشر الوعي السياحي لدى أفراد المجتمع المحلي.
كلمات مفتاحية: الاردن، السياحة، الوعي،الوعي السياح
الإعلام السياحي كمتطلب رئيسي لتنمية الأقطاب السياحية-الجزائر نموذجا-: Tourism information as a major requirement for the development of Algerian tourism poles - ONAT as a Model -
No full textAbstract:
The media provided an opportunity for all groups, institutions and governments to discuss, develop and develop many economic issues. The most important of these are the new issues of the media in the tourism sector, as tourism is today a rapidly growing economic phenomenon in different parts of the world. This phenomenon no longer represents the scene of that person who carries a bag and travels to tour between the monuments and museums of the archaeological, but changed the situation and tourism crossed those narrow borders to develop and enter strongly in every vital area, to affect and affected by it. This is a product of the advance of the tourism industry to the forefront of economic sectors in the world\u27s development, it has managed the industry to overcome the crisis and proved to be the industry is inexhaustible and Taatdther, but steadily growing despite all the events that may pass by, because it is the industry associated with human desire to know and skip the border, The industry did not decline despite the emergence of the Internet and satellite channels, which are full of information, images and data. On the contrary, these means promoted tourism.
Based on some of the facts that Sultha media traditional and new, both and its role in making and bring about development in different areas of this research comes to deal with this topic by identifying the role of tourism information and try to extend it as a prerequisite for the development of tourism so that we can access the results allow us a better understanding of valuation and polishing poles So as to produce results that will help us to benefit from the media to serve the tourist countries and countries that seek tourism as an economic alternative.
ملخص:
أتاح الإعلام الفرصة أمام جميع الفئات والمؤسسات والحكومات لمناقشة قضايا اقتصادية عديدة وتطويرها وتنميتها، لعل من أهمها القضايا المستحدثة لعمل وسائل الإعلام في القطاع السياحي، كون أن السياحة تمثل اليوم ظاهرة اقتصادية آخذة في النمو السريع في مختلف أرجاء العالم. هذه الظاهرة لم تعد تمثل مشهد ذلك الشخص الذي يحمل حقيبة ويسافر للتجول بين المعالم والمتاحف الأثرية، بل تغير الحال وتخطت السياحة تلك الحدود الضيقة لتتطور وتدخل بقوة في كل مجال حيوي، لتؤثر فيه وتتأثر به. وهذا التطور نتاج زحف صناعة السياحة إلى مقدمة القطاعات الاقتصادية في العالم، فقد تمكنت هذه الصناعة من تجاوز الأزمات وأثبتت أنها صناعة لا تنضب ولا تتدثر، بل تنمو باطراد على رغم كل الأحداث التي قد تمر بها، لأنها صناعة مرتبطة بالرغبة الإنسانية في المعرفة وتخطي الحدود، ولم تتراجع هذه الصناعة على الرغم من ظهور شبكة الانترنت والقنوات الفضائية التي تعج بالمعلومات والصور والبيانات، بل على العكس من ذلك عملت هذه الوسائل على الترويج للسياحة.
وانطلاقا من بعض الوقائع التي سلطها الإعلام بشقيه التقليدي والجديد ودوره في صنع وإحداث التنمية في مجالات مختلفة يأتي هذا البحث ليتناول هذا الموضوع من خلال تحديد دور الإعلام السياحي ومحاولة توسيع نطاقه كمتطلب أساسي لتنمية السياحة وحتى نتمكن من الوصول إلى نتائج تتيح لنا فهما أفضل لتثمين وتلميع الأقطاب السياحية بما يسمح للخروج بنتائج تساعدنا في الاستفادة من الإعلام بما يخدم البلدان السياحية والبلدان التي ترجو من السياحة بديلا اقتصاديا لها.
كلمات مفتاحية: الاعلام، السياحة، التنمية، الأقطاب السياحية
Secondary School German Teachers’ Perceptions of Artificial Intelligence Tools in Language Teaching: A Qualitative Study
Get PDFThis qualitative study investigates the perceptions of secondary school German language teachers regarding the integration of artificial intelligence (AI) tools in language education. As AI technologies such as ChatGPT, Google Translate, and Duolingo gain prominence in classrooms globally, there is a growing need to understand their influence on less commonly taught languages, including German. The study focuses on ten German teachers working in Algerian secondary schools and explores their views on the pedagogical roles, benefits, limitations, and ethical implications of AI tools in their teaching practice. Data were gathered through semi-structured interviews, allowing participants to express their experiences and reflections in depth. The findings indicate that teachers recognize the potential of AI tools to enhance vocabulary acquisition, improve pronunciation, and increase student motivation. However, they also voice concerns about translation inaccuracies, loss of linguistic nuance, cultural insensitivity, and the risk of student overdependence on technology. Furthermore, teachers emphasize the necessity of maintaining a human-centered approach, where AI complements rather than replaces traditional pedagogical strategies. The study highlights the importance of teacher agency in integrating AI into language education and contributes to the growing body of knowledge on AI in medium-resource language contexts. It calls for targeted training and policy support to optimize AI use in language classrooms
Redefining Teacher-Learner Interaction Through AI Tools: A Case Study of Writing Instruction in Secondary Language Classrooms
Get PDFThe rise of advanced digital technologies, particularly AI-tool applications like chat-bots and virtual learning platforms, has ushered a transformative era in education. These innovations are reshaping how students engage with learning, encouraging more self-directed and personalized educational experiences. As AI becomes increasingly integrated into academic environments, traditional teacher- led models in foreign- language writing classrooms are being reconsidered. This shift reflects a broader pedagogical transition towards more student-centered learning, where technology plays a key role in supporting learners\u27 autonomy. This study investigates how AI influences teacher– learner interaction in secondary -level foreign-language writing, drawing from final classes case study. The findings highlight that while AI offers significant instructional support, the teacher’s role as a facilitator, mentor, and critical guide remains indispensable. The study involved two third year high school student groups consisting of 30 learners, engaged in argumentative essay writing in a foreign language. One group followed traditional teaching methods, while the other engaged in AI- enhanced pedagogy supported by teacher guidance and agency. The study assessed writing improvements, student perceptions and teachers’ reflections in a digitally integrated environment. Results indicate that AI contributes to improved writing performance and greater learner autonomy in completing writing tasks. However, it also brings challenges, such as reduced teacher visibility and concerns over diminished critical thinking and over-dependence on technology. The research concludes by stressing the importance of continuous teacher training and curriculum reforms that ensure AI is used ethically and effectively within secondary language-writing instruction. It advocates for a balanced integration of human instruction and AI technologies, adopting a blended learning approach that enhances flexibility and accessibility while mitigating the drawbacks of overreliance on technology
Insights into the Impact of Non-Human Intervention on the Translation Process: A Review of Relevant Literature
Get PDFHuman translation is of higher quality compared to fully automatic machine translation. The value of human output is at stake, parallel to the advent of technology. Pedagogically, the authors raise concerns about the way teaching translation will be approached, since instant automatic translation is available and omnipresent. Therefore, the question raised: will the use of computer aids affect its quality or help preserve this high level? In order to find out, a careful analysis of previous international studies on CAT tools and the translation process has been conducted. The authors argue that the use of CAT tools may be a source of distraction for translation students, as well as a factor that hinders their creativity, limits their capacities, and prevents their teacher from doing an authentic assessment of their final work. Such intervention is likely to interrupt the students\u27 cognitive processes and may mitigate or increase cognitive efforts. The study aims to pinpoint specific landmarks to assist translation teachers and help students concretize their conception and vision of translation, taking the effect of the intervention into consideration. The analysis goes through a number of studies investigating the attitudes of both professional translators and translation students towards CAT tools. The collected data were provided by translation practitioners from different nationalities, cultures, and backgrounds, with different language mastery levels. The findings emphasize the necessity to go back through the existing literature on CAT tools, machine translation, and AI translation. It invites translation scholars to bridge the gap between human translation and machine translation. Moreover, it is recommended to conduct future research scrutinizing the attitudes of translation students (from different departments and nationalities) towards interactive translatio
Energy-efficiency Using Critical Nodes Detection Problem In Industrial Wireless Sensor Networks (iwsns)
No full textIndustrial Wireless Sensor Networks (IWSNs) play significant role in enabling self-organization, rapid deployment, and ensuring reliable monitoring and control in industrial systems. Despite their advantages, sensor nodes in IWSNs are constrained by limited energy resources, and have minimal processing power, and restricted communication capabilities, making energy efficiency is a critical concern. To solve this problem, we propose a novel approach of Critical Node Detection Problem (CNDP) based on a graph partitioning method in IWSNs. The network is divided into manageable partitions after removing critical nodes, optimizing energy usage, reducing communication overhead, and ensure the network\u27s connectivity and operational reliability across multiple communication rounds. Experiments simulation validates our proposed approach, approving its efficiency in reducing significant energy consumption while preserving connectivity and functionality for industrial systems. Furthermore, the results highlight the potential of using critical node analysis to support sustainable and efficient operations in resource-constrained industrial environments
Confection D’un Eco-mortier Dédie A La Restauration Des Ornements Architecturaux
No full textLes ornements architecturaux, utilisés comme éléments décoratifs sont fabriqués en pierre ; mais la plupart de leurs composants contiennent du gypse. Il est constaté que la détérioration des ornements est attribuée à la pénétration de l\u27eau, à la colonisation biologique, à la micro et macro-fissuration et au détachement partiel et complet de leurs supports. De nombreuses opérations de réhabilitation des ornements architecturaux n\u27ont pas réussi à utiliser le matériau approprié pour les besoins du projet. Actuellement, l\u27utilisation des déchets de construction, en particulier la brique usagée, est largement répandue dans le monde en raison de la construction et la réhabilitation des bâtiments. Pour une utilisation efficace et durable de ces matériaux dans la réhabilitation des ornements architecturaux, une étude expérimentale a été menée pour examiner l\u27influence du contenu des déchets de briques sur les propriétés physiques et mécaniques du mortier de plâtre. Les matériaux utilisés pour préparer le mortier de plâtre sont : le plâtre, le sable naturel, les déchets de briques, l\u27eau et le superplastifiant. Les principales variables de cette étude sont : la teneur en briques usagées (de 0 à 100%) et le type de substrat (calcaire et brique). Le rapport W/B de tous les mélanges a été maintenu constant afin de conserver un niveau d\u27ouvrabilité similaire. De nombreux tests ont été effectués pour évaluer le comportement physique et mécanique des mortiers de plâtre, y compris le test d\u27adhérence, la radiographie et l\u27analyse MEB. Les résultats obtenus montrent que les forces d\u27adhérence des mortiers sont plus importantes lorsque le substrat est fait de calcaire par rapport au substrat fait de briques. Cependant, un pourcentage excessif de déchets de briques dans le mortier peut avoir des effets négatifs et réduire la force d\u27adhésion. Les mortiers de plâtre fabriqués avec 75 % de briques usagées doivent être recommandés pour la réhabilitation des ornements architecturaux
Desertification Risks: Sensitivity And Limits Of The Medalus Method In Semi-arid Areas (center Of Tunisia).
No full textEnvironmental indicators are essential tools for tracking environmental risks especially land use degradation. Supporting the environmental evaluation and research items needs usually a heavy and costly field work. For these reasons, some methods and indicators of risks have gained in importance in many countries and in international reports. As part of their commitment to transparency to real information, public authority increasingly uses a reduced number of indicators or select existent methods to report on major environmental issues. These economic and time justifications cannot nor ignore or hide the disadvantages of these methods apart from their validation areas especially in arid countries. The study concerned the application of an European method for the evaluation of the risks of desertification namely “the Mediterranean Desertification and Land Use or MEDALUS method”, which had deserve more researches to adapt it to the arid conditions. Indeed, testing this method to the desertification risks evaluation of the agricultural land-use in Tunisia has showed its limits. The review of parameters used and the re-calibration of the risks levels to the agricultural units have improved the results of this method in arid conditions. This improvement was limited about 10% (land degradation risks has reduced from 90.5% to 81% of surface studied) when adapted soil quality index to local conditions and re-calibration of risks levels were applied. But these results do not prevent that validation of the method would improve analyzes and understanding of this phenomenon in local conditions