Browsing by Author "Yousfi, Imane"

Now showing 1 - 3 of 3

Bank Specific And Macroeconomic Determinants Of Islamic Banks’ Profitability
(جامعة الوادي - University of Eloued, 2020-08-30) Yousfi, Imane
The aim of this study is to examine the main factors that affect the financial performance of Islamic banks for a sample of 10 banks working in: Bahrain, Jordan, Kuwait, United Emirate and Saudi Arabia, over the period 2008-2018. The dependent variables under investigation are return on assets (ROA) and return on equity (ROE). The factors that influence bank profitability are distinguished into two groups: bank-specific (internal) factors and macroeconomic (external) factors. The fixed effects panel regression model was used in the analysis, the results of the stationarity test indicates that all the variables are stationary at the level, more over the study findings show that: First, The is no impact of the following variables: credit, liquidity risk, LIQ 1 and LIQ2, exchange rates and inflation on the financial performance of Islamic banks represented by the rate of return on equity (ROE) and the rate of return on assets (ROA). Second, The is an impact of liquidity represented by the ratio of total deposits to total loans (Liq3) and GDP and efficiency on the financial performance of Islamic banks represented by rates of return on equity (ROE) and rate of return on assets (ROA).
Renewable Energy And Energy Efficiency: Evidence From Tecnalia Company
(جامعة الوادي - University of Eloued, 2023-03-31) Yousfi, Imane
This study aims to determine the existing synergy among renewable energies and energy efficiency, by identifying their advantages and benefits, to do that evidence is taken from Tecnalia company which is considered as a pioneer and leading company in the field of renewable energies and energy efficiency . The results of the study reveal that: First, Tecnalia company can help organizations to save more energy and achieve the energy efficiency, by providing some innovative products. Second, Tecnalia provides for organization the service to use and adopt the renewable energy sources. Third, Tecnalia provides some efficient renewable products. Finally, energy efficiency and Renewable energy are working in synergy to reach global energy decarbonization. When pursued together, they result in higher shares of renewable energy, a faster reduction in energy intensity, and lower energy system costs. This also brings environmental and social benefits, such as less air pollution. Moreover, all countries can benefit from the important synergies between renewable energies and energy efficiency. Specific technologies enable energy efficiency and renewable energies in the energy and end-use sectors.
Toward An Optimal Capital Adequacy In Jordanian Traditional And Islamic Banks: An Empirical Comparative Study During The Period 2015 - 2019
(جامعة الوادي - University of Eloued, 2021-12-31) Slimane, Nacer; Younes, Mouna; Yousfi, Imane
This study aims to determine the optimal size of capital adequacy ratio in banks, this ratio may increase as a result of greater risk control and capital raise, but capital represents redundant funds and consequently a lost cost in the economic sense. This paper therefore sought to determine the optimal size for this ratio using the two-stage data envelopment analysis, taking into account bank capabilities using its own inputs and outputs to reach this size. A sample of 15 Jordanian banks is used, including three Islamic and 12 traditional during the period 2015-2019, the study found that a small number of banks achieved the optimal size of this ratio, Islamic banks often made no difference between the actual and optimal ratios or that the actual is higher than the optimal, while the study finds the opposite for the traditional banks where the actual rate was often less than the optimal