Journal of business and finance economy مجلة إقتصاد المال والأعمال

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An Exploratory Study On The Role Of Evidence-based Management In Achieving Business Excellence
(جامعة الوادي University Of Eloued, 2024-05-02) Kermani Houda
This study aims to shed light on a modern concept in the Management of organizations, which is Evidence-Based Management, and how it can achieve the Business Excellence that each Organisation seeks to reach. In order to show the relationship between the two variables, a questionnaire was distributed to a sample of institutions, and we found that there is a significant relationship between the application of Evidence-Based Management in all its dimensions, and the achievement of Business Excellence, by making the right decisions based on scientific studies and experiments, objectively away from bias and intuition, to reduce the gap between theoretical studies and management practices.
Analyse De L'écosystème Entrepreneurial Algérien à Travers Le Prisme Du Modèle De Koltai
(جامعة الوادي University Of Eloued, 2024-01-22) Ait Fella Yanis
Le but de cette recherche est de mener une étude comparative entre le modèle de KOLTAI et l’écosystème entrepreneurial en Algérie pour mieux appréhender les ressemblances et distinctions entre les conditions structurelles et économiques des deux contextes. Et comme résultat de cette recherche, nous avons constaté que malgré les efforts établis par le gouvernement algérien en termes de développement de son écosystème entrepreneurial ce dernier présente des failles qui sont essentiellement le non investissement dans l’infrastructure numérique pour faciliter aux entreprisesl’adoption des technologies innovantes, et aussi l’absence d’un cadre réglementaire approprié aux nouvelles formes de financement tel que le financement participatif.
Analyse Discriminante Des Ratios Financiers Et Prévision Du Risque De Défaillance De L’entreprise
(جامعة الوادي - University of Eloued, 2023-03-31) Mouhouni, Malika
L’objectif du présent article est de modéliser la probabilité de défaillance des entreprises Algériennes utilisant une régression discriminante. Pour cela, un échantillon de 130 institutions clientes de la Banque Nationale Algérienne(BNA) a été retiré, dont 90 ont été déclarées comme saines et 40 défaillantes. Les résultats obtenus montrent un taux de bon classement des entreprises dans leur groupe d’origine de l’ordre de 92,3%, ce taux est de 87,09% dans l’échantillon de validation. Nous soulignons par ailleurs, que le modèle qui possède le plus grand pouvoir discriminant est celui qui est basé sur l’information complète, c'est-àdire la combinaison entre les données comptables et extra comptables. Sur la base de ces résultats, nous pouvons conclure que cette méthode semble être robuste en matière de gestion du risque crédit
Analyse Du Secteur Bancaire Algérien : Un Secteur Mal-développé, Dans Une économie à Fort Besoin De Financement
(جامعة الوادي - University of Eloued, 2023-03-31) Guendoul, Farouk; Iguergaziz, Wassila
Dans le but d’analyser l’importance du secteur bancaire dans l’économie algérienne, nous avons réalisé cette étude qui vise à vérifier son implication dans le financement de l’activité économique du pays. Nous mettons également en exergue ses points forts et ses points faibles. L’étude a montré que le niveau de modernisation du secteur bancaire algérien reste faible et sa contribution dans le financement de l’économie algérienne est insuffisante. Le secteur bancaire privé reste également mal-développé et peu impliqué dans le financement. Enfin, les textes réglementaires défavorisent le financement et pénalise l’acte du banquier.
Analyse Empirique Sur Les Déterminants De La Liquidité De L’économie Algérienne
(Zemirli ، Radhia. Analyse Empirique Sur Les Déterminants De La Liquidité De L’économie Algérienne . مجلة إقتصاد المال والأعمال.مج 08. العدد01. 2023/03/31 . جامعة الوادي [اكتب تاريخ الاطلاع] متاح على الرابط [انسخ رابط التحميل], 2023-03-31) Zemirli, Radhia
Face à l’importance accrue de la liquidité de l’économie dans la stabilité du système financier et dans la stabilité macroéconomique, le présent article a pour objectif d’analyser empiriquement les déterminants de la liquidité de l’économie algérienne, durant la période allant de 2000 à 2021 suivant une approche économétrique, afin d’identifier le facteur ayant le plus de pouvoir explicatif. La méthode des régressions multiples a été mobilisée. Les résultats empiriques ont montré la significativité statistique des variables relatives aux contreparties de la masse monétaire, aux dépôts bancaires, aux recettes d’exportations d’hydrocarbures, aux dépenses publiques et enfin aux mesures non conventionnelles de la Banque d’Algérie.
Applications Of Financial Technology
(جامعة الوادي University of Eloued, 2025-04-17) Ameziane, Anissa
Financial technology has introduced fundamental and structural changes to the business models of the Islamic financial industry. Therefore, this study aims to shed light on this relationship by examining the essence of Islamic financial technology, various innovative Islamic financial technologies, and highlighting the key opportunities and challenges it faces. The study concludes that Islamic financial technology has emerged as a modern alternative to traditional financial services. Financial institutions cannot afford to remain unchanged if they seek to sustain their presence; rather, they must integrate technology into the core of their operations. To maintain competitiveness at both local and global levels, these institutions must keep pace with developments by meeting the evolving needs of contemporary customers.
Ardl تحديد العلاقة في الاجل الطويل بين السياسة النقدية و معدل التضخم في الجزائر خلال الفترة(2000- 2017) باستعمال نموذج الانحدار الذاتي للفجوات الموزعة المتباطئة
(جامعة الوادي - University of Eloued, 2019-06-15) دراجي, كريمو; مخلوفي, الزوبير
تهدف هذه الدراسة إلى تحديد العلاقة في الاجل الطويل بين السياسة النقدية و معدل التضخم ،ولغرض التحليل تم استخدام بيانات سنوية لسلسلة زمنية للفترة من (2000-2017) ،حيث تم تقدير نموذج الانحدار المتعدد باستعمال منهج الانحدار الذاتي للفجوات الزمنية الموزعة المتباطئة ، الذي قدمه كل (بيراسان وال سنة 2001)،حيث كشفت نتائج اختبار الحدود أن هناك علاقة طويلة الأجل بين معدل التضخم و المتغيرات المستقلة ، كما أكدت النتائج على وجود علاقة سالبة ومعنوية بين معدل إعادة الخصم ومعدل التضخم في المدى القصير وموجبة وغير معنوية في المدى الطويل ،على عكس معدل نمو المعروض النقدي بمفهومه الواسع التي بينت الدراسة على عدم وجود علاقة بين هذا الأخير ومعدل التضخم في المدى القصير إلا انه في المدى الطويل كانت هناك علاقة سالبة ومعنوية عند مستوى 10% .اما سعر الصرف الحقيقي فقد اكدت النتائج عن وجود علاقة موجبة ومعنوية بينه وبين معدل التضخم في الاجل القصير وعلاقة سالبة في الاجل الطويل وغير معنوية .
Artificial Intelligence In Marketing
(جامعة الوادي University of Eloued, 2025-04-17) Sadok ,Achour; Ayadi ,Salah
This research examines the transformative role of artificial intelligence (AI) in marketing, addressing its potential to enhance organizational efficiency, boost customer engagement, and improve business outcomes. The study aims to explore innovative AI applications, such as big data analytics and deep learning, to enable precise decision-making and personalized marketing campaigns. The findings reveal that AI significantly improves campaign personalization and customer satisfaction, leading to increased sales and loyalty. However, challenges such as skill gaps, privacy concerns, and organizational resistance persist. The study recommends enhancing technical training and implementing ethical strategies to overcome these barriers and ensure sustainable success in digital markets.
Assessing Governance Of Enterprise It Implementation In Algerian Public Companies
(جامعة الوادي University Of Eloued, 2024-01-22) Azzaoui Abdelbasset
The governance of enterprise IT (GEIT) deployment in Algerian public firms is examined in this article. 88 people completed the self-administered questionnaire that was distributed to 100 employees of various public firms operating in various industries due to this reason. The reliability of the questionnaire design was tested, and the gathered data was handled, using SPSS V24. At α = 5%, a single-simple test is selected to confirm the research assumptions. The findings showed that the sample of public enterprises in Algeria that were examined did not meet GEIT procedures. In summary, the research has unequivocally demonstrated that several structural and resource modifications are necessary for Algerian public firms in order to achieve the adoption and execution of GEIT.
Caatمدى إستجابة أنظمة الرقابة الداخلية لمخرجات إدارة المخاطر في ظل سلوك الإدارة العليا : دراسة ميدانية للشركة الوطنية للتأمينات
(جامعة الوادي - University of Eloued, 2023-03-31) بن العربي, عباس; حاشي, أم الخير فايزة
This study aimed to analyse the impact of risk management outputs on the effectiveness of internal control. In order to serve the purpose of the study, 50 questionnaires were distributed and collected to professionals related to the Algerian Insurance Company CAAT. The analysis processed through Smart-PLS software by using the partial least squares technique for its suitability to study data. The study concluded that risk management provides a simple and effective way to analyze the areas of risks that must be reduced to an acceptable limit by strengthening them with appropriate control measurement in the circumstances, which appear more clearly through the basic roles and duties imposed by the company's senior management style, The researchers recommend the confirming appliance of the quality of administrative procedures and controls, also activating risk management function through the use of governance mechanisms and interne and external audit.
Cac40 أثر حوكمة الشركات على القيمة السوقية للمؤسسات الاقتصادية: دراسة قياسية لعينة من شركات مؤشر
(جامعة الوادي University of Eloued, 2024-10-31) قدام جمال; بودرمين سارة
This study aimed to examine the impact of corporate governance on the market value of firms, using a sample of 12 French companies listed on the CAC40 index during the period 2015-2022. To achieve the study's objective, panel data (cross-sectional time series) was employed. The study found a statistically significant positive impact of institutional ownership, concentrated ownership, gender diversity on the board, and foreign board members on the market value of firms, as represented by the market price of the stock. The results also indicated a statistically significant positive effect of the control variable, earnings per share, while agency cost and asset growth rate had no effect on the market price of the stock.
Capital Intellectual, Innovation Et Performance Des Enterprises - Etude De Contexte Algérien
(جامعة الوادي - University of Eloued, 2021-07-10) Lounissa, Mohammed Amin; Fortas, Fatiha
Résumé: L’objectif de cette étude consiste à démontrer l’importance du capital intellectuel dans la nouvelle économie, et plus particulièrement son influence sur la performance des entreprises à travers le rôle médiateur de l'innovation. L'étude a relevé la nécessaire d’une consolidation des efforts publics en Algérie pour soutenir une politique systémique de promotion et de développement technologique dans le cadre d’un système national d’innovation, afin de qualifier les capacités innovatrices des entreprises algériennes et d'améliorer leur performance. Mots clés: Capital Intellectuel ; Innovation ; Performance des Organisations ; Algérie. Codes de classification Jel: D2; O36, O32 ; L63. Abstract: The objective of this study is to demonstrate the importance of intellectual capital in the new economy, and more particularly its influence on the performance of companies through the mediating role of innovation. The study noted the need for a consolidation of public efforts in Algeria to support a systemic policy of promotion and technological development within the framework of a national innovation system, in order to qualify the innovative capacities of Algerian companies and '' improve their performance. Keywords: Capital Intellectuel ; Innovations ; Performance ; Organisations ; Algérie. Jel Classification Codes: D2; O36, O32 ; L63.
Combating Administrative And Financial Corruption Through Good Governance
(جامعة الوادي University of Eloued, 2025-04-17) Latreche ,Sabrina; Khelifi ,Hayem Hadil
The This study aimed to determine the role of good governance in combating corruption in Denmark, so we relied on the descriptive approach to highlight the variables of the study as well as benefit from the experience of Denmark. The findings demonstrated that implementing good governance is the key to combating corruption through the mechanisms of efficiency, effectiveness, transparency, accountability, participation, and the rule of law. Through the development and successful implementation of a well-defined strategy, information is provided and resources are used as efficiently and effectively as possible. The government, citizens, and civil society (associations) must work together to achieve good governance and its mechanisms in the fight against corruption. This is because it permits the control, accountability, and accountability of all officials and citizens.
Company’s Return After Initial Public Offering (ipo) Case Study- Saidal-
(جامعة الوادي - University of Eloued, 2022-09-30) Labed, Rima
The present research paper aims to identify and analyze SAIDAL’s return ratios, as well as to make a comparison between these crucial elements in the estimation of the company’s financial performance for two periods: the first concerns the period prior IPO, and the second one concerns the period post IPO.c An Initial Public Offering, could bring numerous benefits to the company, such as better awareness, lower cost and return improvement. All of that, is confirmed along this study and reflected in its results that show a positive increase in the magnitudes studied, such as the evolution of the investments, the turnover and the net profit over the period 2017- 2019.
Compétence Contextuelle Et Transformation Numérique
(جامعة الوادي University of Eloued, 2025-04-17) Ladjeroud ,Adila; Bouroubi ,Mustapha; Hadid, Noufeyle
L'intelligence contextuelle et les réseaux d'acteurs de veille stratégique aident les organisations à comprendre et interpréter leur environnement. Sonatrach combine ces éléments pour renforcer son adaptabilité et ses compétences organisationnelles face aux défis actuels. Cette étude améliore les méthodes de gestion des ressources humaines chez Sonatrach dans un cadre de transformation numérique, en mettant en œuvre l'intelligence contextuelle pour l’évolution des compétences contextuelles des cadres de Sonatrach, dans le contexte du projet de transformation des ressources humaines (TRH).
Conspicuous Consumption: How Do Pleasure And Guilt Affect Repurchase Decision
(جامعة الوادي - University of Eloued, 2018-12-30) S Alnsour, Muhammed; Qasrawi, Roaa; Abualhayjaa, Haneen; Dababneh, Haneen
This paper studies the interaction between emotions of guilt and pleasure and how they affect consumptions of luxurious products, as well as, the influence these two emotions have on each other. A questionnaire was developed to achieve the purpose of the study; a convenience sample of one hundred respondents was carefully selected from the upper social class customers, living in west Amman. Research findings demonstrate that while guilt may reduce consumers repurchase intention, the interaction of pleasure and guilt enhances their tendency to repurchase luxury as pleasure offsets the adverse effect of guilt تدرس هذه الورقة التفاعل بين العواطف من الشعور بالذنب والسرور وكيف تؤثر على استهلاك المنتجات الفاخرة ، فضلا عن تأثير هذين المشاعر على بعضها البعض. تم وضع استبيان لتحقيق الغرض من الدراسة. تم اختيار عينة ملائمة من مائة مستفتى بعناية من عملاء الطبقة الاجتماعية العليا الذين يعيشون في غرب عمان. تظهر نتائج الأبحاث أنه في حين أن الشعور بالذنب قد يقلل من نية المستهلكين لإعادة الشراء ، إلا أن تفاعل المتعة والشعور بالذنب يعزز ميلهم إلى إعادة شراء الرفاهية لأن المتعة تقابل الأثر السلبي للشعور بالذنب.
Constraints In Preparing Consolidated Financial Statements Between The Algerian Fas And Ifrs
(جامعة الوادي University Of Eloued, 2024-01-22) Djafri Omar
The main objective of this article is to focus on the problem of the application of the Financial Accounting System (FAS), largely inspired by the "International Accounting Standards" IAS-IFRS in terms of accounting consolidation. Expecting a documentary analytical approach, the study concluded that Algerian groups of companies find a lot of difficulties when drawing up their financial statements, not only with regard to accounting principles, but also with regard to tax laws. These constraints are due to the lack of updates of the SCF by the National Accounting Council, which is supposed to be the national standard setter, as well as to the accounting culture of financial statement preparers who are called upon to communicate reliable and comparable information to their users, in particular, the shareholders in order to protect their interests
Contemporary Triangular Trade And Comparative Advantage
(جامعة الوادي - University of Eloued, 2022-03-31) Benslimane, Najib; Bourahla, Miloud
Abstract: The international trade relationships have known progress in terms of concepts, the most important of which is the triangular trade, starting from the slavery triangular trade form, reaching what it represents nowadays, especially in electronic industries, with a focus on the (USA-ASIAN-Japan) trade collaboration. As study objective, exploring its mechanisms helps to evaluate how such collaborative trade can impact the countries-partners economies especially, on improving each country trade balance and which Algeria might take benefits from if becoming a partner. By using a descriptive approach, the study tries to measure the strength of the relationships between countries that collaborate in form of triangular trade. The study concludes that there are strong correlations between imports and exports of the countries-partners.
The Contribution Of Sustainable Agricultural Development To Rationalizing Resources - The Kingdom Of Jordan As A Model
(جامعة الوادي - University of Eloued, 2022-09-30) SAADI, Tarek; ZEBOUCHI, Mohamed abderraouf
The present research paper seeks to shed light on the importance of sustainable development, particularly, sustainable agricultural development, which has become a key factor in economic development in order to follow the requirements of sustainable agricultural development, which contributes to the conservation of renewable resources. The study revealed that the solution to sustainable agricultural development has become an urgent necessity in order to obtain an environmental economy that contributes to increasing the loyalty of individuals towards their institutions that lead the wheel of the economy, ensuring the desired transition to the adoption of entrepreneurial projects in the private sector that use high agricultural technology, and the study also concluded that Jordan With limited natural resources, it must strengthen its efforts in the fields of sustainable development and resource conservation.
Covid-19, Une Opportunité Pour Pérenniser Les Paiements Numériques En Algérie ?
(جامعة الوادي University Of Eloued, 2024-01-22) Sidi Mammar Lydia
L’étudemenée dans cet article a pour objectifd’analyser la capacité des habitudes du paiement numériqueinitiées dans le contexte de la crise sanitaire Covid-19 à se périnniser dans le temps et constituer un catalyseur pour l’adoption durable des moyens de paiementélectroniquesenAlgérie. Lesrésultats de notre travail reflètent une amélioration notable et persistante, sur la période 2019- mai 2023, qui laisse présager une voie vers une utilisation continue des paiements électroniques en Algérie. Cependant, cette tendance deveraitêtre appuyée par la levée de certains obstacles d’ordre économique, sociale et réglementaire qui retardent l’entrée de plein pied du pays dans l’ère des paiements numériques The study carried out in this articleaims to analyze the ability of digital payment habits initiated in the context of the Covid-19 health crisis to perpetuate over time and constitute a catalyst for the sustainable adoption of electronic means of payment in Algeria. The results of our work reflect a noticeable and persistent improvement, over the period 2019-May 2023;wichsuggestsa path towards a continued use of digital payments in Algeria. This trend should be supported by the removal of certain economic, social, and regulatory obstacles that are delaying the country's full entry into the era of digital payments.

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