Sciences Economiques
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Item تحليل الاداء المالي في المؤسسات الاقتصادية دراسة حالة مؤسسة فرتيال(University of Ain Temouchent, 2025) سلاك،إبتسام; دريش،زهرةThis study aims to analyze the financial performance of Fertial during the period 2017-2019, with the objective of assessing its financial position and identifying strengths and weaknesses in its management. The analysis relied on a set of key financial ratios and indicators, supported by comparative assessments, to provide an objective and accurate evaluation of profitability, liquidity, and resource utilization efficiency. The findings indicate relative stability in profitability and liquidity levels, while revealing certain shortcomings in working capital management and financial resource utilization. Moreover, The results highlight the crucial role of financial analysis in supporting decision-making processes, enhancing strategic planning capacity, and ensuring sustainability. Based on these findings, the study proposes several practical recommendations, including strengthening cost control, improving asset utilization, and adopting more effective financing strategies to mitigate potential financial risks. Overall, the study underscores the strategic importance of financial analysis as a fundamental tool for achieving optimal financial performance and ensuring the continuity of economic institutions.Item الاقتصاد الدائري كمدخل لتحقيق الامن الغذائي بالجزائر(University of Ain Temouchent, 2025) هشام, توهامي; بوزيان الرحماني, هاجرThe Role of the Circular Economy in Promoting Food Security in AlgeriaItem دور الإبتكار التسويقي في تحسين جودة الخدمات المصرفية دراسة حالة في البنك الخارجي الجزائري(University of Ain Temouchent, 2025) بن منديل, عبد الصمد; مصابيح, شرف الدين; مطهري, كمالThe aim of this study was to investigate the role of marketing innovation dimensions (service innovation, pricing innovation, distribution innovation, promotional innovation, individual innovation, physical evidence innovation, and process innovation) in enhancing the quality dimensions of banking services (tangibility, reliability, responsiveness, trust and security, and empathy). These dimensions have gained attention from both economic institutions in general and banking institutions in particular. The main objective of this study was to understand the role played by marketing innovation in developing the quality of banking services provided by Banque de l'Agriculture et du Développement RuralItem أثر تطوير الخدمات المصرفية الإلكترونية في تحسين الأداء المالي للبنوك -دراسة حالة لعينة من البنوك العمومية عين تموشنت(University of Ain Temouchent, 2025) كبير, إيمان; مهداوي, هندThis study aims to identify the impact of developing electronic banking services in improving the financial performance of public banks. This study relied on both the analytical and descriptive approach in the theoretical aspect. To answer the study problem, a questionnaire form (66 questionnaires) was designed and distributed to a group of employees of public banks in the state of Ain T’émouchent . The statistical program SPSS version 27 was used to process and test the hypotheses. One of the results reached after analyzing the study data is that there is a statistically significant positive impact of developing electronic banking services in improving the financial performance of the banks under study at the level of 0.05.Item مساهمة التكنولوجيا المالية في تحسين الأداء البنكي دراسة حالة البنك الوطني الجزائري(University of Ain Temouchent, 2025) بلغزلي, الغازي يحي; بهلول, بهية جمعة; بن الدين, نور الهدىThis study aims to assess the level of interest shown by Algerian banks in financial technology (FinTech) and its impact on banking performance, through an empirical case study conducted on a national Algerian bank operating across all its branches in the Wilaya of Aïn Témouchent. The research adopted a descriptive and analytical approach, and data were collected using a structured questionnaire distributed to a sample of 48 employees across the bank’s branches. The SPSS statistical software was employed to analyze the data and test the study’s hypotheses. Main Findings: • The study revealed a growing interest by the bank in adopting digital solutions, particularly in electronic banking and automation systems. A statistically significant positive correlation was found between the adoption of FinTech tools and improvements in key performance indicators, such as service speed, reduced human error, and increased customer satisfaction. • However, challenges were identified, including limited digital training for some employees and insufficient technological infrastructure in certain branchesItem التمويل الاسلامي بديل لتمويل تقليدي في دعم مشاريع مقاولاتية - دراسة حالة بنك الفلاحة و التنمية الريفية(University of Ain Temouchent, 2025) دير ملايزي, إكرام; زعزوع, عبد الاله; مطهري, كمالThe study aimed to demonstrate the importance of Islamic finance as an alternative to conventional finance in supporting entrepreneurial projects and achieving economic and social development by providing financing solutions that are compatible with Islamic Sharia. The study examined the effectiveness of traditional financing in the success of entrepreneurial projects, focusing on the challenges facing this type of financing. It also presented various Islamic financing mechanisms and their various forms that meet the needs of various economic sectors. The results concluded that Islamic finance can be a successful alternative to conventional finance in supporting entrepreneurial projects, especially small and medium-sized ones, provided that Islamic finance formulas and tools are diversified to meet the diverse needs of projects, while fully adhering to the provisions of Sharia.Item دور القطاع الفلاحي في تعزيز الأمن الغذائي-مشروع تجفيف الخضر و الفواكه(University of Ain Temouchent, 2025) ڨناوي, ميسوم; حسناوي, مريمThis study aims to highlight the importance of the fruit and vegetable drying project as an investment initiative aligned with agricultural sector development and food security efforts in Algeria. The project was chosen due to the growing need for modern preservation techniques to reduce waste and utilize surplus production. The findings reveal that the project creates added value for agricultural products, generates new job opportunities, and enhances local market competitiveness against imports. Market analysis also showed strong demand, especially during off-season periods. Overall, the project represents a strategic step toward achieving food self-sufficiency and boosting agro-industrial transformation.Item أثر المنتجات المالية الاسلامية وتنوعها على تحقيق رضا الزبون. دراسة ميدانية للزبائن في بنك البدر لوكالتي عين تموشنت وتلمسان(University of Ain Temouchent, 2025) زادي, اكرام; زناقي, كوثر; مهداوي, هند"The study aimed to clarify the extent to which islamic financial products and their diversity impact customer satisfaction ,as well as to highlight the importance if this diversity in meeting customer needs in light of the evolution of banking Transaction, to achieve this goal a questionnaire was distributed to a sample of customers at several banks that implement islamic banking in Algeria including the bank of agriculture and rural development ,the study seeks to collect the necessary primary data to analyze the relationship between the diversity of islamic financial products and the level of customer satisfaction . The study concludes that there is a statistically significant relationship between the diversity of islamic financial products such as :murabha , ijara mudaraba and istisnaa and customer satisfaction this indicates the importance of providing Sharia compliant financial solutions that meet the needs of various customer segments and contribute to strengthening trust in banking institutionsItem فعالية أدوات السياسة النقدية في تمويل البرامج الاستثمارية دراسة قياسية لحالة الجزائر (2000-2024(University of Ain Temouchent, 2025) بلعربي بعبوعة, محمد; بلايلي, مصطفى; عيدوني, حليمةL’objectif de cette étude est de clarifier l’efficacité de la politique monétaire dans le soutien et l’activation des programmes d’investissement en Algérie durant la période 2000–2024, à travers l’analyse de la relation entre les instruments de la politique monétaire et le climat d’investissement, en mettant l’accent sur les répercussions des évolutions monétaires sur la mise en œuvre des projets de développement. La méthode descriptive et analytique a été utilisée pour la partie théorique, en plus de l’analyse de données quantitatives et de statistiques officielles publiées par les organismes économiques et la Banque Centrale, afin d’évaluer l’impact de la politique monétaire sur les indicateurs d’investissement. L’étude a révélé que la politique monétaire en Algérie a contribué, dans une certaine mesure, au soutien de l’investissement, notamment par la fourniture de liquidités et la réduction des taux d’intérêt durant certaines périodes. Toutefois, son efficacité reste limitée en raItem ادارة الجودة الشاملة كاداة لدعم الميزة التنافسية المؤسسة(University of Ain Temouchent, 2025) بلعربي, هبة سماح; بلعباس, هاجر; مخضار, سليمThis study aims to highlight the role of Total Quality Management as a strategic tool to support competitive advantage within Algerian economic institutions, through a case study of Mobilis - Ain Temouchent unit. This study falls within the analytical approach that combines theoretical and practical aspects, where the theoretical side addresses the basic concepts related to Total Quality Management and competitive advantage, focusing on the relationship between them in an ever-changing business environment characterized by intense competition. On the practical side, a field study was conducted at the Mobilis institution in Ain Temouchent to evaluate the extent of the application of Total Quality Management principles and analyze its impact on enhancing the institution's position in the local market. Data collection tools such as interviews and questionnaires were used to gather employees' opinions on the extent of quality application and its effect on improving the overall performance of the institution.Item الاقتصاد الأخضر وأثره على النمو الاقتصادي في الجزائر (دراسة قياسية للفترة 2000-2023)(University of Ain Temouchent, 2025) شباح, شهيناز; لغواطي, رحمونة; بوحسون, ايمانThis study aimed to determine the impact of the green economy on economic growth in Algeria during the peroid (2000-2023),the study relied on descriptive and analytic alapproach to identify the green economy and economic growth and their reality in Algeria, It also relied on the benchmarking method to determine how the green economy(the independent variable) affects its four dimensions(Proportion of workers in agriculture out of the total labor force TR ,proportion of irrigated land out of total agriculture land IR, proportion of green investments to total agriculture land GI,CO2 emissions)on economic growth (dependent variable) which was expressed in GDP using an ARDL model. The study found a positive correlation between green economy and economy and ecocomie growth, except that the relationship between economic growth and the proportion of irrigation land out of total agricultural land was inverseItem تحديات التجارة الالكترونية في الجزائر(University of Ain Temouchent, 2025) بن عمر, يسرى; بلحاجي, يوسف; بوعلي, عبد القادر"This study aims to shed light on the challenges of electronic commerce in Algeria and the obstacles that hinder its development, as well as to analyze the extent of the Algerian society’s acceptance of this modern type of transactions. The study focused on understanding the general concept of electronic commerce, its characteristics, and its stakeholders, in addition to the legal framework that regulates it in Algeria. The questionnaire was chosen as the data collection tool. However, a questionnaire that contains a set of items requires validity verification by presenting the items to a group of experts. It also requires reliability verification, which means the consistency and coherence of the items it contains. The reliability coefficient is calculated using Cronbach’s alpha coefficient, and cross-tabulation tables. The results showed that e-commerce in Algeria is still in its early stages and faces several difficulties. The most prominent among them are: weak digital infrastructure, inefficiency of electronic payment systems, and the limitations of the legal framework, as well as lack of awareness. The study proposed appropriate solutions to overcome the challenges facing e-commerce in Algeria. Through the use of the questionnaire tool, the study concluded the importance of setting supportive legal and technical policies and promoting digital culture among individuals, in order to create an environment that fosters the growth of e-commerce and ensures the protection of all involved parties."Item رضا العملاء إتجاه خدمات النوافذ الإسلامية في البنوك التقليدية الجزائرية(University of Ain Temouchent, 2025) سليماني خويرة, ياسمين; بن يطو, نهال هبة الله; بن وسعد, زينةThis study aimed to investigate the impact of Islamic banking windows within conventional banks, exploring the reasons behind their establishment and the nature of their operations. The research was based on a field studyconducted at the Agency Ain Temouchentbranch of Banque d'Algerie Exterieure. The results revealed that the opening of Islamic banking service windows within conventional banks primarily sought to enhance customer satisfaction. However, the analysis indicated that customer satisfaction levels ranged from moderate to high, particularly concerning feelings of trust and reassurancein the financial transactions offered by the bank's Islamic windows. Therefore, it can be concluded that the success of these windows largely depends on the availability of a legal environment compatiblewith the nature of Islamic banking, as well as the deployment of qualified human resourcescapable of understanding the specificities of these windows"Item جودة الخدمات البنكية و دورها في تحسين الأداء المالي للبنوك دراسة حالة بنك الجزائر الخارجي – وكالة عين تموشنت(University of Ain Temouchent, 2025) بن طيبة, خديجة; بن صافي, فاطنة إيمان; علي دحمان, محمد"We conclude through the study that banking services represent a major role in the banking sector, and adding the concept of quality to them leads to improving and developing the products of this sector, in order to create a unique competitive advantage to compete with its competitors in the banking market, as banks carry out their activities mainly in The field of banking and financial services, and therefore they must provide high-quality services to satisfy the needs and desires of customers and obtain their loyalty. The study we are examining aims to shed light on the role that the quality of banking services plays as an input to improving financial performance in commercial banks and the extent of their ability to achieve customer satisfaction and create and increase the competitiveness of these banks"Item رقمنة الخدمات(University of Ain Temouchent, 2025) امتير, سلسبيل هديل; حرطاني, عبد المجيد"This study aims to shed light on the reality of the use of the electronic payment service in Algeria, and the extent of the Algerian consumer's response from payment card users to this service, where about 110 observatons were collected from diferent ages and social groups. The descriptve analysis of the sample was used to know the attude of consumers on this subject. The results showed that there is no diference in the responses between the male and female groups, and on the other hand, the Algerian consumer has the desire and potental to use the electronic payment service, and has the ability to adapt to it in the future. Most of the responses indicated the positve background of the Algerian consumer towards the use of this service, and it was clear from the overall opinions that more incentve measures should be taken and informaton campaigns should be intensifed, as well as the generalizaton and expansion of the use of the electronic payment service in a way that beter serves the aspiratons of consumers in the future."Item دور الشمول المالي في تعزيز جودة الخدمات البنكية(University of Ain Temouchent, 2025) شارف افرول, بشير; غرزي, سليمةThe objective of this study is to analyze the impact of financial inclusion on improving the quality of banking services through a field study conducted at the Banque Extérieure d’Algérie branch in Aïn Témouchent. The topic was addressed as one of the key issues imposed by economic and technological changes, highlighting its importance in strengthening the integration of large segments of the population into the formal financial system. The study relied on a descriptive and analytical approach, using a questionnaire administered to a sample of 36 employees at the Banque Extérieure d’Algérie branch in Aïn Témouchent. The results of the study revealed a statistically significant relationship between the level of implementation of financial inclusion and the quality of banking services offered by the Banque Extérieure d’Algérie branch in Aïn Témouchent.Item دور الذكاء الاصطناعي في تحسين جودة الخدمات المصرفية(University of Ain Temouchent, 2025) بومناد, سارة; عبدالواحد, إيمان; بن سبع, إلياسThis study aims to identify the extent to which artificial intelligence (AI) has contributed to improving the quality of banking services, which has revolutionized electronic financial systems. This study relied on a descriptive approach, exploring the role of AI in enhancing the efficiency and quality of banking services in the banking sector. We studied the experiences of some leading banks in the field of AI using an analytical approach, highlighting their strengths, weaknesses, and the most important initiatives undertaken by India in this field. The study concluded that AI plays a significant role in improving the quality of banking services across the Indian banking sector, contributing to lower service costs, supporting competitiveness, and increasing customer loyalty. This study also concluded with a set of suggestions and recommendations aimed at keeping pace with technological progress and encouraging interest in all things technological, as we live in an era characterized by rapid changes in the field of AI.Item أهمية الميزة التنافسية في خلق الحوكمة المالية(University of Ain Temouchent, 2025) قني, محمد أمين; العربي شراك, وليد; زناقي, سيد أحمد"the memorandum explores the critical role of competitive advantage in establishing effective financial governance within organizations. It highlights how sustainable competitive positioning—through innovation, cost leadership, quality, and market responsiveness—can lead to more transparent, accountable, and efficient financial decision-making. The paper argues that when an organization leverages its unique strengths, it gains better control over resource allocation, financial planning, and risk management. This, in turn, supports the principles of financial governance, including integrity, transparency, and compliance with financial regulations. The study also emphasizes the need for aligning competitive strategies with governance frameworks to enhance overall organizational performance and long-term value creation."Item اثر القطاعات الانتاجية على النمو الاقتصادي في الجزائر (1990-2023)(University of Ain Temouchent, 2025) ريتري, هناء فتيحة; متيوي, شروق; سي محمد, فايزة"This study aims to measure the impact of the productive sectors (agriculture, industry, and services) on economic growth in Algeria during the period 1990–2023, based on the ARDL model. The empirical results revealed the existence of a long-term cointegrated relationship between the variables. The study showed a negative effect of both the agricultural and service sectors on economic growth in the long run, unlike the industrial sector, which had a positive impact. This confirms the importance of diversifying the productive base and achieving a balance between the sectors to reduce reliance on hydrocarbons and to promote sustainable economic growth."Item اثر جودة الخدمات الالكترونية على رضا الزبون دراسة حالة على مستوى البنك الخارجي الجزائري لولاية عين تموشنت(University of Ain Temouchent, 2025) لكحل مسعودي, بشرى; دنيدني, نهاد عائشة; يحياوي, لخضرThis study aims to identify the impact of e-service quality on customer satisfaction. The study was applied to the Algerian Foreign Bank - Ain Temouchent Agency as a field study model. A questionnaire was developed and distributed to a random sample of the agency's customers. SPSS was used to analyze the data and test the study's hypotheses. The study found a statistically significant positive relationship between some dimensions of e-service quality, including security and privacy, customer service, and website efficiency, and customer satisfaction. Other dimensions, such as reliability and trustworthiness, responsiveness, and website design, did not show any statistical significance on customer satisfaction levels. Based on these results, a set of recommendations were proposed to enhance customer satisfaction by improving the credibility of e-services, providing a high degree of trust, and ensuring that services are provided at the same level of quality every time.