Sciences Economiques
URI permanent de cette collectionhttps://dspacee.univ-temouchent.edu.dz/handle/123456789/755
Parcourir par
Dépôts récents
Item التغيير التكنولوجي في البنوك التجارية و دوره في تحسين الأداء المالي(University of Ain Temouchent, 2026) نقيلي جميلة; براضية خيرة; بن الدين نور الهدىThis study aimed to identify the reality of technological change and its role in improving the financial performance of commercial banks. After addressing the theoretical foundations of this topic, the study was applied to the BADR Bank in Ain Temouchent. To achieve the study's objectives, a descriptive-analytical approach was adopted, and a questionnaire was used as the primary data collection tool. The data was then analyzed using a range of appropriate statistical methods with the SPSS software. The study concluded that technological change had a positive impact on the financial performance of the bank under study, through the contribution of modern technology to increased operational efficiency and improved quality of banking services. The study also concluded with several recommendations, most notably the continuous modernization of infrastructure, investment in modern technologies, promotion of digital literacy among employees, and strengthening cybersecurity frameworksItem التمويل الاسلامي واقع وممارسات دراسة حالة نافذة إسلامية ببنك الفلاحة و التنمية الريفية(University of Ain Temouchent, 2026) بن زرقة بدرة; بن حدة أمال; بن نافلة نصيرةThis study aims to highlight the experience of adopting Islamic finance by banks in Algeria through a case study of the Ain Temouchent branch. The study falls within the framework of the Algerian banking system’s response to the growing global shift toward financing models that comply with the principles of Islamic Sharia, in light of the increasing social and religious demand for legitimate banking alternatives.Item رقمنة الإدارة العمومية باستخدام الذكاء الإصطناعي لبلوغ معايير إدارة الجودة الشاملة-دراسة حالة الوكالة الوطنية للتشغيل الفرع الولائي للتشغيل عين تموشنت(University of Ain Temouchent, 2026) خرفان مهدي; وهراني عبد الكريمThis study aims to examine the role of digitalization of public administration using artificial intelligence in achieving the standards of Total Quality Management (TQM) at the National Employment Agency – Ain Temouchent Provincial Branch. To achieve the objectives of the study, the researcher adopted the descriptive-analytical approach. A questionnaire was used as the primary data collection tool, distributed to a sample of 70 employees. The collected data were processed using SPSS version 26, employing various statistical methods including arithmetic means, standard deviations, Pearson correlation coefficient, Cronbach’s Alpha, and simple linear regression analysis. The study reached several theoretical and practical findings, most notably the existence of a statistically significant relationship between the digitalization of public administration and the use of artificial intelligence on the one hand, and the achievement of Total Quality Management on the other. The results also showed that digitalization contributes significantly to improving the quality of public services, while artificial intelligence plays a vital role in enhancing administrative performance and supporting decision-making processes. In light of these findings, the study recommends strengthening investment in digital infrastructure, intensifying training programs in the fields of technology and artificial intelligence, and developing robust data protection and cybersecurity systems within public administration institutions.Item واقع الرقمنة في المؤسسات الادارية "دراسة حالة مديرية التربية والتعليم لولاية عين تموشنت(University of Ain Temouchent, 2026) سقوني مليكة; بلهاشمي حياة; سي محمد فايزةThis study addresses the topic of digitalization in administrative institutions and its impact on improving the quality of administrative services, through a field study conducted at the Directorate of Education in the Wilaya of Aïn Témouchent. It aims to analyze the extent to which digitalization contributes to enhancing administrative performance within the studied institution. The study relied on a sample of 80 employees using the descriptive analytical method and a questionnaire as the data collection tool, and the data were statistically processed using SPSS. The results showed a positive effect of administrative digitalization on the quality of administrative services; however, this effect remains limited in strength. The findings also revealed variations in the impact of the sub-dimensions of digitalization, with no strong statistical significance for them. The study concluded that improving administrative performance is linked to the degree of integration and effective use of digital tools within the institution.Item الابتكارات التكنولوجية و دورها في تطوير الخدمات المالية داخل مؤسسة اقتصادية سونلغاز بوحدة-عين تيموشنت خلال الفترة زمانية ديسمبر 2025 الى غاية ماي 2026(2026) كمبوش سعيدة روفيدة; بن سبع الياسThis study aims to identify the role of financial technological innovations (FinTech) in developing financial services within Sonelgaz Corporation by highlighting the extent to which modern financial technologies contribute to improving financial performance and the quality of services provided. The study adopted a descriptive-analytical approach. Data were collected through a questionnaire distributed to a sample of the corporation’s employees and analyzed using the SPSS software, with hypotheses tested through appropriate statistical methods. The findings revealed a positive impact of financial technological innovations on the development of financial services by improving the speed and accuracy of financial transactions and enhancing operational efficiency within the corporation. The study also recommended strengthening digital transformation and adopting more advanced financial technologies to further improve and develop financial services in the future.Item العلاقة بين الاستهلاك و الدخل العائلي دراسة الاسر الجزائرية(University of Ain Temouchent, 2026) بن خدة هيام; شراك مايسة فاطنة; حرطاني عبد المجيدIn this research, we studied the phenomenon of household consumption and income in Algeria. In its theoretical part, this study addresses the concepts related to consumption and income, highlighting the relationship between them and reviewing the most important explanatory theories. As for the empirical part, a questionnaire administered to a sample of 121 individuals from various socioeconomic groups was utilized for data collection. The data were descriptively analyzed using the SPSS software, aiming to explain household consumption behavior in Algeria in light of income levels. The results demonstrated a positive impact of income levels on the volume of consumer spending. Furthermore, it was found that low-income groups allocate most of their income to cover necessary and basic expenses. The study also indicated that there are other factors influencing consumption levels, including family size, educational level, and the number of individuals contributing to household expenses.Item أثر الشمول المالي على الفقر دراسة قياسية حالة الجزائر فترة 1990-2023(University of Ain Temouchent, 2026) بلعابد نورهان هناء; أوجامع إبراهيمThis study aims to analyze the impact of financial inclusion on poverty in Algeria over the period 1990–2023, against the backdrop of rapid transformations in the global financial system and growing international attention to linking financial inclusion with the 2030 Sustainable Development Goals. The significance of the study stems from three major gaps identified in the international literature (geographic, methodological, and applied), as a bibliometric analysis of the Scopus database revealed the limited presence of North African countries, particularly Algeria, among more than 1,582 studies published between 2010 and 2025. The study adopts a sequential mixed-methods design combining three complementary approaches: a descriptive-analytical method to establish the theoretical framework for financial inclusion (across its four dimensions — access, usage, quality, and welfare) and poverty (absolute, relative, the capability approach, and multidimensional poverty); a bibliometric analysis using VOSviewer software to map prevailing research trends and identify existing gaps; and an inferential econometric approach based on the Autoregressive Distributed Lag (ARDL) model, applied to annual data for the Algerian economy (34 observations, 1990–2023) drawn from the World Bank, Banque d’Algérie, and Findex databases. The econometric results reveal a strong negative correlation between the financial inclusion index and the poverty rate (–0.824). The ARDL bounds test, following the Pesaran et al. (2001) methodology, confirms a statistically significant long-run cointegrating relationship (F-statistic = 5.234, exceeding the upper bound at the 1% significance level). The long-run estimates show a statistically significant negative effect of financial inclusion on poverty (β = –0.1234; p<0.01; R² = 0.9234), while the Error Correction Model (ECM) confirms an effective adjustment mechanism (ECT = –0.4567), restoring equilibrium at a speed of approximately 46% per year. The impulse response function (IRF) further shows that the negative effect of financial inclusion on poverty persists for more than two decades, and the results remain robust across multiple alternative measures of financial inclusion and poverty, as well as instrumental variable (2SLS) estimations. The study concludes that financial inclusion constitutes an effective and sustainable strategic tool for reducing poverty in Algeria, provided it is integrated with complementary policies in education, social protection, and institutional governance. Forecast simulations indicate that the poverty rate could fall to 3.6% by 2035 under the baseline scenario, opening promising avenues for future research on digital finance, multidimensional poverty, and comparative studies across North African countries.Item اثر الرقمنة على كفاءة إدارة المالية في المؤسسة اقتصادية دراسة ميدانية في المؤسسة سونلغاز وحدة عين تموشنت(University of Ain Temouchent, 2026) دربال حنان; بن سبع إلياسThis study examines the impact of digitalization on the efficiency of financial management within organizations, with a particular focus on the case of Sonelgaz Distribution Company in Ain Temouchent. In the context of rapid technological advancements, digitalization has become a key driver for improving organizational performance and enhancing decision-making processes. The research aims to explore how digital technologies, including Enterprise Resource Planning (ERP) systems and digital financial tools, contribute to improving the accuracy, transparency, and speed of financial operations. It also investigates the role of digital governance, innovation, and competition in strengthening financial management practices, while considering the challenges and risks associated with digital transformation. To achieve these objectives, the study adopts a descriptive-analytical approach supported by a field study based on a questionnaire distributed to a sample of employees. Statistical methods were used to analyze the collected data and test the proposed hypotheses regarding the relationship between digitalization and financial management efficiency. The findings indicate that digitalization has a statistically significant positive impact on the efficiency of financial management. It enhances the quality of financial information, supports better decision-making, improves internal control, and increases operational efficiency. However, the study also highlights certain challenges related to implementation, such as technical constraints and organizational resistance.In conclusion, the study emphasizes the importance of adopting a comprehensive digital strategy and investing in technological infrastructure and human resources to maximize the benefits of digital transformation in financial management.Item اثر ديناميكي لمؤشرات الطاقات المتجددة على عوائد اسهم شركات النفط العالمية الكبرى دراسة قياسية لفترة ممتدة 2022-2026(University of Ain Temouchent, 2026) بن سيدي يعقوب محمد الامين; بن طوير نعيمةThis study aimed to analyse the dynamic impact of renewable energy indicators on the stock returns of major global oil companies during the period 2022–2026 using daily data. The study relied on the EGARCH model and a set of financial variables, including the U.S. Dollar Index (DYX), Brent crude oil prices (RBRENT), Exxon Mobil stock returns (REXXON), the S&P 500 index, the clean energy index (RSPCL), and the Volatility Index (VIX). The findings revealed that all-time series were stationary and characterized by high financial volatility, confirming the suitability of GARCH-family models for the analysis. The results also showed a positive and statistically significant impact of both the S&P 500 and VIX indices on Exxon Mobil stock returns, reflecting the close relationship between oil stocks and global economic activity, as well as their role as a relatively safe haven during periods of uncertainty. In contrast, the study identified a short-run decoupling between the renewable energy sector and the traditional oil sector, alongside a high persistence of volatility in energy markets.Item أثر الدين العام على التضخم و النمو الإقتصادي في الجزائر- دراسة قياسية للفترة (2015-2025)(University of Ain Temouchent, 2026) مؤدن نبيل; ميح عبد الفتاح; جديدن لحسنThis study aimed to analyze the impact of public debt on inflation and economic growth in Algeria during the period 2015–2025, using both the descriptive-analytical approach and the econometric approach through the ARDL model. The results revealed a significant relationship between public debt and both inflation and economic growth. Public debt was found to support economic growth in the short run, while exerting a negative effect in the long run and potentially generating inflationary pressures if not properly managed. The study highlights the importance of rational borrowing policies and directing debt toward productive investments to achieve economic growth and maintain price stability.Item دور البنوك التجارية في تمويل المؤسسات الصغيرة والمتوسطة دراسة ميدانية ببنك الفلاحة والتنمية الريفية _العامرية(University of Ain Temouchent, 2026) مانع خولة; مناد أمحمدAbstract:This study aimed to investigate the role of commercial banks in supporting the small and mediumenterprises (SMEs) sector, through a case study of the Bank of Agriculture and Rural sized , by measuring the impact of its credit mechanisms on -El Amria branch - Development (BADR) ive, a descriptivemeeting the financing requirements of these enterprises. To achieve this objectanalytical approach was adopted for the theoretical framework, while a case study method was employed for the empirical part. Data were collected via a questionnaire distributed to a sample of zed using the SPSS software. The study concluded that the bank's employees and statistically analythe bank’s credit mechanisms are highly effective in responding to the financial requirements of enterprises. Furthermore, the bank has transcended its traditional financing role to encompass based project monitoring. The statistical results also proved that there is -upport and fieldadvisory sa statistically significant positive impact of the credit mechanisms of the Bank of Agriculture and .Rural Development on meeting the financing requirements of SMEs.Item إستدامة الموازنة العامة في الدول الريعية، دراسة مقارنة بين نماذج الجزائر و النرويج و الإمارات العربية المتحدة(University of Ain Temouchent, 2026) بن دحمان عماد الدين; حرطاني عبد المجيدThis study conducts a comparative analysis of fiscal sustainability across three rentier economies (Algeria, the UAE, and Norway). Despite their shared oil abundance, their trajectories toward financial stability varied significantly; while Norway and the UAE succeeded in institutionalizing flexible governance and genuine diversification that absorbed shocks, the Algerian budget suffered from persistent structural exposure due to its organic linkage to rent and a lack of institutional efficacy. Econometrically, using the NARDL model for the 1991–2023 time series, the empirical results proved the existence of a comprehensive symmetric response to oil shocks in Algeria, confirming the absence of financial insulation mechanisms. Conversely, Norway exhibited selective sensitivity (asymmetry), reflecting the efficiency of its strict fiscal rules and wealth decoupling, while the UAE recorded a sharp short-term response, indicating that its budget remains structurally tied to oil despite its macroeconomic flexibility and capacity for diversification.Item أثر التحول الرقمي على تحسين الأداء التنظيمي في المؤسسات التعليمية دراسة حالة مؤسسات التعليم المتوسط لولاية عين تموشنت(University of Ain Temouchent, 2026) معمر فاطمة; نور أمال; وهراني عبد الكريمThis study aimed to analyze the impact of digital transformation on improving organizational performance in middle education institutions in Ain Témouchent Province by highlighting the contribution of digital technologies and modern administrative practices to enhancing management methods and organizational efficiency. To achieve the study objectives, a descriptive-analytical approach was adopted, supported by a field study using a questionnaire as the main data collection tool. The collected data were analyzed and the research hypotheses were tested using the Statistical Package for the Social Sciences (SPSS) through a range of descriptive and inferential statistical techniques. The findings revealed a statistically significant positive impact of digital transformation on organizational performance through improving work efficiency, enhancing the quality of administrative services, and supporting decision-making processes. The results also indicated that the success of digital transformation depends on the availability of adequate digital infrastructure and qualified human resources. Accordingly, the study recommends strengthening investment in digital technologies and developing employees’ skills to achieve more effective and sustainable organizational performance.Item أثر الرقمنة على تحسين أداء الوظيفي لدى موظفي للقطاع التعليم العالي الاساتيذة- دراسة حالة كلية العلوم الاقتصادية و التجارية و علوم التسيير جامعة بلحاج بوشعيب ولاية عين تموشنت(University of Ain Temouchent, 2026) خيدي حياة; لرجاني سهيلة; يحياوي لخضرThis study examines the role of digitalization as a strategic tool for modernizing administration and improving job performance, by presenting a theoretical framework that defines digitalization and its goals in achieving speed and accuracy. It also analyzes the concept of job performance in terms of its dimensions, influencing factors, and measurement criteria within organizations. The study highlights the positive relationship between digitalization and performance improvement through simplifying procedures, reducing bureaucracy, and enhancing employee satisfaction. It is supported by a field study at Belhadj Bouchaib University in Aïn Témouchent to assess the impact of digital infrastructure and provide practical recommendations.Item رقمنة السجل التجاري وأثره على مناخ الإستثمار في الجزائر(University of Ain Temouchent, 2026) العرابي سمير; مناد أمحمدThis study aims to examine the impact of the digitization of the commercial register on the investment climate in Algeria by analyzing the transition from a traditional paper-based system to a digital system and its role in improving the business environment and facilitating administrative procedures. The study covers the theoretical framework of the electronic commercial register and investment, followed by an empirical analysis based on a field study conducted in the Wilaya of Aïn Témouchent, as well as a statistical analysis of survey data collected from traders and investors. Using the SPSS software, The findings show that the digitization of the commercial register has significantly contributed to reducing processing time, lowering administrative costs, reducing bureaucracy, and enhancing transparency among economic actors. The study also confirms a statistically significant positive impact of digitization on investment, as it improves the business climate and encourages the creation and expansion of investment projects. Therefore, the study concludes that digitization has become a key tool for supporting investment in AlgeriaItem أثر القيادة التحويلية في تعزيز التألق التنظيمي في المؤسسة الاقتصادية(University of Ain Temouchent, 2026) علي موسى ابراهيم; عبيبد عبدالقادر ابراهيم; العربي مليكةThis study aimed to examine the role of transformational leadership in enhancing organizational excellence at the Electricity and Gas Distribution Directorate of Sonelgaz in Ain Temouchent. The study adopted the descriptive-analytical approach. Data were collected using a questionnaire distributed to a sample of 70 employees. The collected data were analyzed using SPSS version 26. The results revealed that the level of transformational leadership in the directorate was high, with an overall mean of 3.61, while the level of organizational excellence was moderate, with an overall mean of 3.33. The findings also confirmed a statistically significant positive impact of transformational leadership on organizational excellence at the significance level of 0.05. Transformational leadership explained 58% of the variance in organizational excellence. At the dimensional level, empowerment had the strongest impact, followed by individualized consideration, then intellectual stimulation. However, the impact of idealized influence and inspirational motivation was not statistically significant. The study recommended developing a comprehensive strategic plan to improve the elements of organizational excellence, including innovation, service quality, organizational learning, employee satisfaction, and operational efficiency.Item دور الصيرفة الالكترونية في تعزيز الشمول المالي -دراسة حالة بنك الجزائر الخارجي(University of Ain Temouchent, 2026) هامل محمد; عبد الرحمن غنية; بن ياني مرادThis study aims to examine the role of electronic banking in promoting financial inclusion, through reviewing the concepts of electronic banking and financial inclusion, as well as analyzing their dimensions. A field study was conducted at the Foreign Bank of Algeria – Ain T'émouchent Agency, using a questionnaire as a data collection tool. The questionnaire was distributed using a simple random sampling method, with a sample size of 41 customers. The collected data were analyzed using the Statistical Package for the Social Sciences (SPSS) and Microsoft Excel 2007, based on descriptive and inferential statistical methods, including means, standard deviations, and correlation coefficients. The study reached several findings, the most important of which is that enhancing financial inclusion requires the availability of an appropriate infrastructure that plays a crucial role in enabling individuals to access various financial services. The results also revealed a strong positive relationship between electronic banking services and financial inclusion.Item دراسة قياسية لأثر السياسة النقدية على الاستقرار النقدي في الجزائر خلال الفترة (1995-2024)(University of Ain Temouchent, 2026) بن حدو اية; ديدي سهير نرمين; زدون جمالThis study aims to analyze the impact of monetary policy on monetary stability in Algeria during the period (1995–2024). It focuses on identifying the theoretical concepts related to monetary policy and monetary stability, highlighting the main monetary policy instruments used by the Bank of Algeria, and examining the evolution of monetary stability indicators, mainly inflation, exchange rate, and money supply. The study also seeks to measure the relationship between monetary policy and monetary stability using appropriate econometric methods in order to evaluate the effectiveness of monetary policy in achieving monetary stability in the Algerian economy. The study found a significant relationship between monetary policy instruments and monetary stability indicators. The results showed that changes in money supply and interest rates directly affect inflation rates and exchange rate stability. The findings also revealed that Algerian monetary policy has undergone significant developments since the reforms of the 1990s; however, its effectiveness remains highly influenced by external shocks, particularly oil price fluctuations and weak monetary transmission channels. Furthermore, the study emphasized the importance of strengthening the independence of the Bank of Algeria, improving banking sector efficiency, and developing financial markets to enhance the effectiveness of monetary policy and achieve sustainable monetary stability.Item دراسة تحليلية قياسية لأثر التحول الرقمي على الأداء المالي للمؤسسة خلال الفترة بين 2004-2014(University of Ain Temouchent, 2026) بتيوي فاطمة; بوعزة عبيد رانيا; علي دحمان محمد; علي دحمان محمدThis study aims first to identify the impact of digital transformation on the financial performance of an economic enterprise, as the study was conducted on the Electricity and Gas Distribution Company of Ain Temouchent Province during the period (2017-2019). The descriptive analytical method was used, relying on a questionnaire as the main tool to collect data from a sample of 35 employees. Second, a benchmarking study was conducted to highlight the effect of digital transformation on the financial performance of commercial banks in Algeria during the period (2004-2024), relying on the ARDL model in the short and long term. Accordingly, the study reached a set of the following findings: there is a positive effect of digital transformation on the financial performance of the economic enterprise under study by raising the financial profitability of the services provided and achieving a high degree of liquidity. It also appeared that there is a positive relationship between the ATM index, the granted loans index, the electronic payments index, and the mobile phone and internet users index on the financial performance of commercial banks in Algeria during the study period in both the short and long term. Keywords: Digital Transformation ،Financial performance ،Sonelgaz Company،CommercialItem رقمنة القطاع المصرفي في الجزائر لبلوغ خدمات ذات جودة عالية بنك الجزائر الخارجي(University of Ain Temouchent, 2026) نميش زهير; بكار ادريس; وهراني عبد الكريمThis dissertation aimed to highlight the role of digitizing the banking sector in improving the quality of financial services in Algeria, with a case study applied to the foreing Bank of Algeria (BEA), Ain Témouchent 072 branch. The descriptive-analytical approach was utilized to establish the theoretical concepts, alongside the statistical-analytical method to process the data from a questionnaire distributed to a sample of the bank's clients and employees to assess the impact of digital dimensions. In this study, we concluded that the adoption of digital technologies and e-banking services contributes positively and directly to enhancing service quality and achieving customer satisfaction by saving time and effort, despite the existence of some technical and organizational challenges. The study recommends the necessity of continuously developing the digital infrastructure and strengthening cybersecurity and privacy to build digital trust among financial consumers and enhance banking competitiveness.