The University of Chlef Journals
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أثر الشمول المالي المصرفي على النمو الاقتصادي ، البطالة و الفقر في الجزائر - ) دراسة قياسية) 0000 0004: Impact Of Banking Financial Inclusion On Economic Growth, Unemployment And Poverty In Algeria : Empirical Study(2004-2020)
No full textThe main objectif of this study is to analyze and measure the impact of banking financial inclusion on economic growth, unemployment and poverty in Algeria, over the period (2004 :S1 -2020:S2) using Error Correction Model ( ECM) . Financial inclusion( the independent variable) is measured by the number of commercial bank branches per 100.000 adults, the number of deposit accounts with commercial banks per 1.000 adults, the number of borrowers from commercial banks per 1.000 adults , the number of ATMs per 100.000 adults , the domestic credit to private sector and the Broad money. GDP growth, gross domestic saving, gross fixed capital formation, growth in per capita gross national income and unemployment total are used as dependent variables.The study concluded that number of commercial bank branches, number of deposit accounts, number of ATMs and Broad money have a positive impact on economic growth and a negative impact on poverty and unemployment which is consistent with results of many previous studies.
 
) أثر الشمول المالي على ربحية البنوك الأردنية خلال الفترة ) 8009 8008: The Effect of Financial Inclusion on the Jordanian Banks’ Profitability During the Period (2008-2019)
No full textThe main aim of the current study was to detect the impact of financial inclusion’ indicators on Jordanian banks’ profitability using annual data of 13 commercial banks from 2008 to 2019. To achieve this goal we used the following different models of panal data (Pooled OLS, Fixed and Random effect).We found a significant impact of FI on banks’ profitability when measured by net interest margin and ROA, although our study displays different results when considering the effect of FI variables separately. Thus, FI contributes to enhance the banks’ profitability
تعزيز الالتزام التنظيمي لدى الموظفين في المؤسسات الصحية من خلال مدخل إدارة التغيير دراسة حالة - مؤسسة عمومية للصحة الجوارية بولاية بشار: Strengthening the organizational commitment of employees in health institutions through the change management portal - Study of the case of a public institution for neighbourhood health in Bechar province-
No full textThe attention to organizational commitment is one of the most important approaches that change management studies and is especially important in the field of health because it relates to the person and touches on the most important aspects of his life. Therefore, the health institution is the most institution that needs to strengthen the organizational commitment.This research aims to highlight the most important means of enhancing organizational commitment for employees in Algerian public health institutions, one of its main results was that managing change in the human element, technological development, ease of systems and administrative procedures leads to employee commitment in these institutions.
 
الصكوك الإسلامية ودورها في تعبئة المدخرات العائلية في الجزائر: Islamic Sukuk and their Role in Mobilizing Family Savings in Algeria
No full textThis study aims to identify the role of Islamic sukuks in mobilizing Algerian families’ savings, by clarifying the concepts related to Islamic sukuks and family savings with reference to the case of Algeria, and reviewing the development of family savings ratios in it in relation to the gross domestic product, then focusing more on Islamic banking savings vessels. And the requirements that the Algerian government must provide to develop work with this tool.We have concluded from this study that the existing Islamic banking systems in Algeria, which are claimed to be developed, have yielded some fruits, but they have not been able to attract a large proportion of family savings circulating outside the banking system due to the recent use of them, and as a result of the obstacles they face. Therefore, developing the work with Islamic Sukuk will be a positive change station. It is an effective mechanism for absorbing family savings, as it takes into account the controls of Islamic Sharia, the privacy of those with low incomes, and is negotiable among individuals. This idea was proposed in Monetary and Banking Law No. 23-09 of 2023, and to ensure the success of its work, several requirements must be provided, including a financial market that encourages trading these Sukuk
التسهيلات الجمركية لتصدير التمور: الأثر والتحديات: Customs facilities for exporting dates: impact and challenges
No full textThe date industry in Algeria contributes significantly to both agriculture and the economy, playing a crucial role in meeting human needs, partly ensuring food security, promoting cross-border trade and economic development. The export potential of this industry depends on several factors, including production and marketing capabilities, commitment to quality standards and trade facilitation measures.The current study aims to present the customs facilities linked to the export of Algerian dates, analyze their impact and highlight the issues associated with them. As a result, we hope to enable economic operators to benefit from these facilitation measures, which make it possible to provide a competitive product in global markets
أثر الضرائب على الإيرادات غير النفطية في المملكة العربية السعودية، دراسة قياسية: The Impact of Taxes on Non-Oil Revenues in the Kingdom of Saudi Arabia
Get PDFThis study aims to measure the impact of current taxes on non-oil revenues in the Kingdom of SaudiArabia. The descriptive analytical method was used to analyse the data for the period (2016: Q1–2022: Q1). The results showed that there is a statistically significant relationship between thedifferent types of taxes under study and non-oil revenues, with a variation of 41.3965 for the valueof the F statistic test, which means that all types of taxes used in this study have a strong effect andcan explain the variable of non-oil revenues. The study also concluded that the economic variablesunder study affect and explain 89.7% of the changes in total non-oil revenues. The effect of taxes isthat if taxes on income, profits, capital gains, taxes on trade and transactions, and taxes on goodsand services change by 1%, non-oil revenues will change positively on average by 0.369%,0.413%, and 0.373%, respectively. The study also confirmed the existence of a long-termequilibrium relationship between non-oil revenues and all other taxes
أهمية الضريبة على الدخل الإجمالي في حصيلة الإيرادات الجبائية العادية في الجزائر (2020- مديرية الضرائب لولاية الشلف نموذجا ( 20: The importance of the tax on gross income in the proceeds of ordinary tax revenues in Algeria-Tax Directorate of the Wilaya of Chlef as a model (2014-2020)
No full textThis study aims to determine the percentage of the contribution of the tax ongross income to the proceeds of ordinary tax revenues compared to other types of taxes.The total income in the proceeds of ordinary tax revenues is the highest, as it wasestimated during the study period (2014-2020) on average at the level of 60.77%, whilethe contribution rate of the fee on professional activity, the fee on value-added,registration rights and stamp was at the level of 10.41%, 9.99 % and 9.03%,respectively
المسؤولية الجزائية لهيئات التسيير التقليدية على مالية شركة المساهمة: The penal responsibility of the traditional governing bodies on the finances of the joint-stock company
Get PDFThe Algerian legislator dealt with violations related to management and funds, which can becommitted by the conductor of a joint-stock company with a traditional style during theperformance of his duties, due to the active role he plays in the most suitable type of companies forthe huge projects that It is carried out by the state, namely. Therefore, a penal responsibility wasarranged on it in case these bodies committed violations that affect their funds, such as profits,balance sheets and capital, and what may result from that infringement such as bankruptcy andliquidation, stipulated in the Commercial Law, with the aim of protecting their dealers, especiallythose with good faith. However, it is noted that this treatment was not successful.This study attempts to focus on the responsibility of these bodies in the joint stock company incomparison with French law, and the consequent penal and financial penalties, which highlightsthe seriousness of these crimes on the public and private level of the company
Intellectual Capital as a Key to Manage the Knowledge.
No full textIn the last century and following the classical approach of Adam Smith labor; land and capital were considered as economic production factors.But today, researchers emphasize that the main source to achieve competitive advantage is based on a company’s labor workforce also known as “Human resource”.Knowledge management (KM) and intellectual capital (IC) are believed to influence each other, and the relationship between the two constructs is of vital importance to organizational effectiveness. The aim of this paper is to review the relationship between these concepts .Contrary to most of the prior KM‐IC relevant research, this research proposes a model which determines the relation between KM and IC
الإصلاح الاقتصادي كآلية لدعم التشغيل في الجزائر: دراسة قياسية ( 1990 - 2021): Economic reform as a mechanism to support employment in Algeria: Analytical study for the period (1990-2021)
No full textAlgeria, like other countries in the world, has experienced great difficulties in its economy since independence, but the crisis it experienced in 1986 prompted it to implement a number of economic reforms, in cooperation with the International Monetary Fund during the period (1989-1998), and these programs were represented in reform, stabilization, structural modification, then he continued these reforms, through the adoption of development programs, represented in the economic recovery programs, supporting economic growth and consolidating the first and second economic growth during the study period.Our study aims to show the role played by economic reforms in improving the level of economic growth, in accordance with the policies adopted by the Algerian government.This study concluded that there is a direct relationship between GDP and government expenditure, employment and the balance of payment