19 research outputs found
Artificial intelligence, a performance lever for the financial inclusion of Moroccan university students: State of play and prospects
No full textFinancial inclusion is now essential to ensure young people's access to financial services and their utilization, which is important for their financial empowerment and financial health. In this context, the advent of artificial intelligence (AI) and technology has opened new opportunities to promote financial inclusion among young people, especially for university students. Thus, our article based on descriptive analysis, studies the level of financial inclusion of Moroccan university students, highlighting its correlation with gender and level of study, through a survey conducted with 244 students. As part of this, our study explores how AI can transform financial learning, reduce barriers to accessing information, and help students navigate the complex landscape of their personal finances. Furthermore, it offers stakeholders the opportunity to reassess their practices and intensify their efforts to adapt to the demands of the 21st century, so that financial inclusion is implemented through both engaging and innovative means.
Classification JEL: A22, G53, O33, D14, I25
Paper type: Empirical ResearchFinancial inclusion is now essential to ensure young people's access to financial services and their utilization, which is important for their financial empowerment and financial health. In this context, the advent of artificial intelligence (AI) and technology has opened new opportunities to promote financial inclusion among young people, especially for university students. Thus, our article based on descriptive analysis, studies the level of financial inclusion of Moroccan university students, highlighting its correlation with gender and level of study, through a survey conducted with 244 students. As part of this, our study explores how AI can transform financial learning, reduce barriers to accessing information, and help students navigate the complex landscape of their personal finances. Furthermore, it offers stakeholders the opportunity to reassess their practices and intensify their efforts to adapt to the demands of the 21st century, so that financial inclusion is implemented through both engaging and innovative means.
Classification JEL: A22, G53, O33, D14, I25
Paper type: Empirical Researc
Artificial intelligence, a performance lever for the financial inclusion of Moroccan university students: State of play and prospects
No full textFinancial inclusion is now essential to ensure young people's access to financial services and their utilization, which is important for their financial empowerment and financial health. In this context, the advent of artificial intelligence (AI) and technology has opened new opportunities to promote financial inclusion among young people, especially for university students. Thus, our article based on descriptive analysis, studies the level of financial inclusion of Moroccan university students, highlighting its correlation with gender and level of study, through a survey conducted with 244 students. As part of this, our study explores how AI can transform financial learning, reduce barriers to accessing information, and help students navigate the complex landscape of their personal finances. Furthermore, it offers stakeholders the opportunity to reassess their practices and intensify their efforts to adapt to the demands of the 21st century, so that financial inclusion is implemented through both engaging and innovative means.
Classification JEL: A22, G53, O33, D14, I25
Paper type: Empirical ResearchFinancial inclusion is now essential to ensure young people's access to financial services and their utilization, which is important for their financial empowerment and financial health. In this context, the advent of artificial intelligence (AI) and technology has opened new opportunities to promote financial inclusion among young people, especially for university students. Thus, our article based on descriptive analysis, studies the level of financial inclusion of Moroccan university students, highlighting its correlation with gender and level of study, through a survey conducted with 244 students. As part of this, our study explores how AI can transform financial learning, reduce barriers to accessing information, and help students navigate the complex landscape of their personal finances. Furthermore, it offers stakeholders the opportunity to reassess their practices and intensify their efforts to adapt to the demands of the 21st century, so that financial inclusion is implemented through both engaging and innovative means.
Classification JEL: A22, G53, O33, D14, I25
Paper type: Empirical Researc
Artificial intelligence, a performance lever for the financial inclusion of Moroccan university students: State of play and prospects
No full textFinancial inclusion is now essential to ensure young people's access to financial services and their utilization, which is important for their financial empowerment and financial health. In this context, the advent of artificial intelligence (AI) and technology has opened new opportunities to promote financial inclusion among young people, especially for university students. Thus, our article based on descriptive analysis, studies the level of financial inclusion of Moroccan university students, highlighting its correlation with gender and level of study, through a survey conducted with 244 students. As part of this, our study explores how AI can transform financial learning, reduce barriers to accessing information, and help students navigate the complex landscape of their personal finances. Furthermore, it offers stakeholders the opportunity to reassess their practices and intensify their efforts to adapt to the demands of the 21st century, so that financial inclusion is implemented through both engaging and innovative means.
Classification JEL: A22, G53, O33, D14, I25
Paper type: Empirical ResearchFinancial inclusion is now essential to ensure young people's access to financial services and their utilization, which is important for their financial empowerment and financial health. In this context, the advent of artificial intelligence (AI) and technology has opened new opportunities to promote financial inclusion among young people, especially for university students. Thus, our article based on descriptive analysis, studies the level of financial inclusion of Moroccan university students, highlighting its correlation with gender and level of study, through a survey conducted with 244 students. As part of this, our study explores how AI can transform financial learning, reduce barriers to accessing information, and help students navigate the complex landscape of their personal finances. Furthermore, it offers stakeholders the opportunity to reassess their practices and intensify their efforts to adapt to the demands of the 21st century, so that financial inclusion is implemented through both engaging and innovative means.
Classification JEL: A22, G53, O33, D14, I25
Paper type: Empirical Researc
La communication engageante, leitmotiv d’une éducation financière réussie au Maroc : Etat des lieux et perspectives
No full textL'éducation financière est désormais reconnue comme un élément essentiel pour le développement économique et la stabilité financière des pays face à un environnement en perpétuelle mutation, complexe et incertain. Dans ce sens, la communication joue un rôle primordial dans la transmission efficace des connaissances financières aux individus. Le contexte de notre étude repose sur l’idée que la communication engageante peut être une passerelle de liaison efficace entre l'éducation financière et les populations cibles. A travers une revue de littérature détaillée et une étude de l’état des lieux à l’échelle nationale, notre travail vise, d’une part, à comprendre comment déployer la communication pour promouvoir l'acquisition des compétences financières et l'amélioration du comportement financier des individus. D’autre part, il offrira l’occasion aux parties prenantes de se remettre en question et d’intensifier leurs efforts pour s’ajuster aux exigences du XXIe siècle, afin que l'éducation financière soit dispensée par des méthodes de communication à la fois engageantes et innovantes
LES SOFT SKILLS ET LES TECHNOLOGIES D'INFORMATION ET DE COMMUNICATION, FACTEURS CLES DU DEVELOPPEMENT DE LA PERFORMANCE D'UN ETABLISSEMENT DE FORMATION PROFESSIONNELLE
No full textAujourd’hui, l’environnement dans lequel évoluent les institutions et la nature du travail dans les différents secteurs continuent à changer. Le monde se construit en réseau et se développe très rapidement, ce qui nous oblige à répondre avec lucidité et dynamisme plus qu’auparavant à ces transformations. Dans ce contexte, la mesure de la performance ne se fait pas uniquement de manière quantitative, mais aussi de manière qualitative : amélioration des Soft Skills, Technologies d’Information et de Communication. Ces dernières constituent une révolution ayant des conséquences multiples sur la performance d’une institution, notamment les centres de formation professionnelle. Dans cet article, nous avons adopté une méthodologie d'enquête et d'analyse basée sur le programme SPSS pour cerner le rôle de l’utilisation des TIC et les Softskills dans la performance des établissements de formation professionnelle. Notre objectif dans ce travail est de vérifier le développement des capacités professionnelles des stagiaires orientées vers la productivité, les Soft skills et les TIC. Une étude de cas a été menée au sein d’un centre de formation professionnelle Marocain pour mettre en pratique la méthodologie proposée
Le conte populaire marocain et le conte détourné, une continuité et une rupture
No full textDer Beitrag enthält das Abstract ausschließlich in französischer und englischer Sprache.The Moroccan folk tale has been rewritten in socio-cultural contexts different from that in which it was born, including twisted versions, produced in scenes of migration. In this article, we will analyse the tale Moummou et l’ogresse which was published in France and which is a revisited reproduction of the popular Moroccan tale tāǧr ūlġūlā [The merchant and the ogress]. We show that in this story the author is not only conveying the traits of her native culture but also those of the host country, as she is committed to substituting the values of modern society for those of traditional society. Le conte populaire marocain a fait l'objet de plusieurs réécritures dans des contextes socioculturels différents de celui dans lequel il est né, comprenant des versions détournées, produites dans des scènes de migration. Dans cet article, nous allons analyser le conte Moummou et l'ogresse qui a été publié en France et qui est une reproduction revisitée du conte populaire marocain tāǧr ūlġūlā [Le marchand et l'ogresse]. Nous montrons que dans ce conte, l'auteure transmet non seulement les traits de sa culture d'origine mais aussi ceux du pays d'accueil, puisqu'elle s'engage à substituer les valeurs de la société moderne à celles de la société traditionnelle.
Alfalfa transcriptome profiling provides insight into miR156-mediated molecular mechanisms of heat stress tolerance
No full textHeat is one of the major environmental stressors that negatively affects alfalfa production. Previously, we reported the role of microRNA156 (miR156) in heat tolerance, however, mechanisms and downstream genes involved in this process were not fully studied. To provide further insight, we compared an empty vector control and miR156 overexpressing alfalfa plants (miR156+) after exposing them to heat stress (40 °C) for 24h. We collected leaf samples for transcriptome analysis to illustrate the miR156-regualted molecular mechanisms underlying the heat stress response. A total of 3579 differentially expressed genes (DEG) were detected exclusively in miR156+ plants under heat stress using the Medicago sativa genome as reference. GO and KEGG analysis indicated that these DEGs were mainly involved in “polysaccharide metabolism”, “response to chemical”, “secondary metabolism”, “carbon metabolism” and “cell cycle”. Transcription factors predicted in miR156+ plants belonged to TCP family, MYB, ABA response element-binding factor, WRKY and heat shock transcription factor. We also identified two new SPL family gene member (SPL8a and SPL12a), putatively regulated by miR156. The present study provides comprehensive transcriptome profile of alfalfa, identifies a number of genes and pathways, and reveals a miR156-regulated network of mechanisms at the gene expression level to modulate heat responses in alfalfa.The presentation of the authors' names and (or) special characters in the title of the pdf file of the accepted manuscript may differ slightly from what is displayed on the item page. The information in the pdf file of the accepted manuscript reflects the original submission by the author
الدخيل في تفسير سورة الفاتحة من كتاب "البرهان في تفسير القرآن" لهاشم البحراني دراسة تحليلية نقدية The Intruder in the Interpretation of Surat Al-Fātihah from the Book of " Al- Burhān in Tafsīr Al- Qurʾān" by Hashem Al-Bahrani: A Critical Analytical Study
No full textThe search introduces a definition of strangeness in explanation and its types. Then, the researcher introduces the author Hashem Al- Bahrani and his explanation of the Quran, method and its important features. Afterwards, the researcher brought light to the outlandish points in Al- Bahrani’s explanations of Al- Fatihah.The study has concluded that most of the narratives cited by Al- Bahrani are fabricated, fake and the news he reported is outsider. Moreover, the researcher highlighted more than fifty narratives which do not attributed to the messenger’s kins.The search has proved as well that Shiaa do not have clear criteria and regulations in explaining Quran. Furthermore, their narratives do not depend on attribution The Chain of Transmission and most of them are characterized by hyperbole and their narrators are well-known for lying
Convolutional Neural Networks in Predicting Missing Text in Arabic
No full textInternational audienceMissing text prediction is one of the major concerns of Natural Language Processing deep learning community's attention. However, the majority of text prediction related research is performed in other languages but not Arabic. In this paper, we take a first step in training a deep learning language model on Arabic language. Our contribution is the prediction of missing text from text documents while applying Convolutional Neural Networks (CNN) on Arabic Language Models. We have built CNN-based Language Models responding to specific settings in relation with Arabic language. We have prepared our dataset of a large quantity of text documents freely downloaded from Arab World Books, Hindawi foundation, and Shamela datasets. To calculate the accuracy of prediction, we have compared documents with complete text and same documents with missing text. We realized training, validation and test steps at three different stages aiming to increase the performance of prediction. The model had been trained at first stage on documents of the same author, then at the second stage, it had been trained on documents of the same dataset, and finally, at the third stage, the model had been trained on all document confused. Steps of training, validation and test have been repeated many times by changing each time the author, dataset, and the combination author-dataset, respectively. Also we have used the technique of enlarging training data by feeding the CNN-model each time by a larger quantity of text. The model gave a high performance of Arabic text prediction using Convolutional Neural Networks with an accuracy that have reached 97.8% in best case
Improved innate and adaptive immunostimulation by genetically modified HIV-1 protein expressing NYVAC vectors.
No full textAttenuated poxviruses are safe and capable of expressing foreign antigens. Poxviruses are applied in veterinary vaccination and explored as candidate vaccines for humans. However, poxviruses express multiple genes encoding proteins that interfere with components of the innate and adaptive immune response. This manuscript describes two strategies aimed to improve the immunogenicity of the highly attenuated, host-range restricted poxvirus NYVAC: deletion of the viral gene encoding type-I interferon-binding protein and development of attenuated replication-competent NYVAC. We evaluated these newly generated NYVAC mutants, encoding HIV-1 env, gag, pol and nef, for their ability to stimulate HIV-specific CD8 T-cell responses in vitro from blood mononuclear cells of HIV-infected subjects. The new vectors were evaluated and compared to the parental NYVAC vector in dendritic cells (DCs), RNA expression arrays, HIV gag expression and cross-presentation assays in vitro. Deletion of type-I interferon-binding protein enhanced expression of interferon and interferon-induced genes in DCs, and increased maturation of infected DCs. Restoration of replication competence induced activation of pathways involving antigen processing and presentation. Also, replication-competent NYVAC showed increased Gag expression in infected cells, permitting enhanced cross-presentation to HIV-specific CD8 T cells and proliferation of HIV-specific memory CD8 T-cells in vitro. The recombinant NYVAC combining both modifications induced interferon-induced genes and genes involved in antigen processing and presentation, as well as increased Gag expression. This combined replication-competent NYVAC is a promising candidate for the next generation of HIV vaccines
