Sciences Economiques
URI permanent de cette collectionhttps://dspacee.univ-temouchent.edu.dz/handle/123456789/755
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Item النمذجة القياسية لأثر التنويع الاقتصادي على النمو الاقتصادي بالجزائر للفترة 1996-2024(University of Ain Temouchent, 2026) شقور روبة فيصل; بلحية يمينةThis study aims to analyze the impact of economic diversification on economic growth in Algeria during the period 1996–2024. Using the Autoregressive Distributed Lag (ARDL) methodology, both short-run and long-run relationships were examined between non-hydrocarbon GDP (LN_NHGDP) as the dependent variable and a set of independent variables, namely export concentration (HHI), non-hydrocarbon revenues (LNNHR), their interaction term (LNNHR_HHI), and domestic credit to the private sector (LNDC). The results reveal the existence of a long-run cointegration relationship among the variables. Furthermore, the study found a significant negative impact of export concentration on growth in both the short and long term, highlighting the importance of diversification. Non-hydrocarbon revenues also showed a negative relationship with growth, whereas domestic credit had a strong positive effect. The positive coefficient of the interaction term suggests that higher nonhydrocarbon revenues may mitigate the adverse effects of export concentration. The study offers policy recommendations to strengthen economic diversification efforts in Algeria.Item الادارة الالكترونية ودورها في تحسين الاداء المؤسسي دراسة حالة مؤسسة سونلغاز-وكالة حمام بوحجر-ولاية عين تموشنت(2026) بكرادة شيخ فاروق; بلخير بشرى; بن الدين نور الهدىThis study aimed to identify the reality of e-government implementation and its role in improving the performance of economic institutions. After addressing the theoretical foundations of this topic, the study was applied to the Sonelgaz company in Ain Temouchent. To achieve the study's objectives, the descriptive-analytical method was adopted, and a questionnaire was used as the primary data collection tool. The data was then analyzed using the SPSS statistical software through a range of statistical methods. The results showed a good level of e-management implementation within the organization under study, and that it contributes to improving overall performance, as a statistically significant effect was found between the two variables. It was also found that some of the sub-dimensions explaining emanagement, such as electronic monitoring and guidance, had a strong impact, while the impact of other dimensions, such as electronic planning and organization, was weak or insignificant.Item التنبؤ باستهلاك الطاقة الكهربائية في الجزائر(University of Ain Temouchent, 2026) تواتي عبد الرحمان; عدة خير الدين سليمThis study aims to analyze and forecast electricity consumption in Algeria using time series models within the framework of econometrics. Annual data covering the period from 1990 to 2023 were used, applying the Box-Jenkins methodology to build a model capable of explaining consumption behavior and predicting its future evolution. The results show that the electricity consumption series is non-stationary in levels but becomes stationary after first differencing, indicating that it is integrated of order one I(1)I(1)I(1). Model identification revealed that the ARMA (2,2) model is the most suitable based on statistical criteria and residual diagnostics, demonstrating strong performance in capturing the dynamics of electricity consumption. Regarding forecasting, the results indicate a continued upward trend in electricity consumption in Algeria in 2024, reflecting increasing demand driven by population growth, economic development, and improved living standards. This highlights the need for forward-looking energy policies focused on expanding production capacity, rationalizing consumption, and promoting renewable energy sources to ensure energy security and sustainability.Item العلاقة بين الادخار و الاستثمار في الجزائر(University of Ain Temouchent, 2026) بولفضاوي كوثر ايمان; عنتر وسام رانية; عدة خير الدين سليمThis study aims to analyze and measure the relationship between savings and investment in Algeria over the period 1980–2024, using the Vector Autoregressive (VAR) model. Based on annual data from the World Bank, the study applied unit root tests (ADF), cointegration tests (Johansen), Granger causality tests, as well as impulse response functions and variance decomposition analysis. The results show that savings and investment are integrated of order one I(1), with no long-term cointegration relationship between them. The Granger causality test reveals a unidirectional causal relationship running only from savings to investment. Impulse response functions indicate that a shock to savings has a strong and sustained impact on investment, while a shock to investment has a weak and short-lived effect on savings. These findings reflect the rentier nature of the Algerian economy. The study recommends diversifying savings sources, restructuring public investment, and developing the financial systemItem تأثير فيروس كورونا على الاقتصاد الوطني وبالأخص المؤسسات الصغيرة والمتوسطة دراسة حالة مصنع الاسمنت بني صاف لولاية عين تموشنت لسنة 2026(University of Ain Temouchent, 2026) بسرير خديجة شروق; بوحجلة حليمة جويدة; عدة سليم خير الدينCoronavirus, institutional performance, small and medium-sized enterprises, national economy, Beni Saf cement factory.Item دور التسويق الإبتكاري في تحسين أداء المؤسسة - دراسة ميدانية لمؤسسة سونلغاز -وكالة عين تموشنت(University of Ain Temouchent, 2026) بعيليش عبد المالك أيوب; بطواف محمد; مطهري كمالThis research examines the role of innovative marketing in improving organizational performance. It highlights this role and its importance in enhancing the performance of Sonelgaz – Ain Temouchent branch – and tests the relationships between independent and dependent variables related to innovative marketing and performance. The descriptive-analytical method was used to arrive at the research findings. Questionnaires were distributed to various employees of the organization. The results showed that the organization effectively implements marketing innovation, achieving a competitive advantage. However, some shortcomings were identified, and several suggestions were offered based on the practical aspects of the research.Item أثر الصيرفة الإسلامية على الريادة البنكية(University of Ain Temouchent, 2026) بن نابي خلود; سكلال عبد الله; يحياوي لخضرThis academic study explores the impact of Islamic banking on achieving banking leadership, using the Bank of Agriculture and Rural Development (BADR) Ain Temouchent agency as a practical case study. The research aims to analyze how Sharia-compliant banking models contribute to creating entrepreneurial excellence within financial institutions by highlighting the theoretical framework of Islamic finance, its diverse financing tools, and the requirements for leadership in the banking sector. Furthermore, it examines the correlation between innovation in Islamic financial engineering—while adhering to Sharia standards—and the ability to gain market share and build a sustainable competitive advantage. To achieve these objectives, the study employed a descriptive-analytical approach for theoretical concepts alongside a case study methodology, utilizing a Likert-scale questionnaire, field interviews, and observations during a professional internship to ensure data reliability. The findings indicate that adopting Islamic banking products serves as an effective entrepreneurial gateway that contributes to attracting hoarded cash and improving the bank's overall financial and institutional performance.Item التسيير الاستراتيجي للموارد البشرية واثره على أداء المؤسسة -دراسة ميدانية بمؤسسة سونلغاز عين تموشنت(University of Ain Temouchent, 2026) مزادة روبة; سكران فاطمة الزهراء; مطهري كمالThis study aims to highlight the impact of Strategic Human Resource Management (SHRM) on improving organizational performance, through a field study conducted at Sonelgaz Company in the province of Aïn Témouchent. It also seeks to demonstrate the degree of alignment between human resource strategies and the overall strategy of the organization, as well as to identify the main models and practices adopted in this field. The study relied on the descriptive-analytical approach, where data were collected using a questionnaire distributed to a sample of 50 employees within the company. The results revealed a statistically significant relationship between Strategic Human Resource Management and the improvement of organizational performance, through enhancing human resource efficiency and strengthening organizational effectiveness.Item أثر اتحول الرقمي على الأداء المالي لمؤسسة إقتصادية (دراسة حالة مؤسسة سونلغاز)(University of Ain Temouchent, 2026) بغداد براهيم عماد الدين; حمزة رشيد; زدون جمالThis study aims to analyze the impact of digital transformation on financial performance in economic institutions through a case study of SONELGAZ in the province of Ain Temouchent, by highlighting the extent to which digital transformation contributes to improving financial performance efficiency within the institution. The study was based on a sample of 04 employees and administrative staff selected purposively from different managerial levels. A questionnaire was used as the main data collection tool, consisting of statements related to digital transformation dimensions and financial performance. The findings revealed a positive and statistically significant impact of digital transformation on financial performance, in addition to its contribution to improving financial data accuracy, reducing costs, accelerating transactions, and increasing profitability within the institution.Item دور التكنولوجيا المالية في تحسين جودة الخدمات المصرفية دراسة حالة بنك الصندوق الوطني للتوفير و الإحتياط(University of Ain Temouchent, 2026) جبار خيرة; لبرش عائشة; وهراني عبد الكريمThis study aimed to highlight the role of Financial Technology (FinTech) in enhancing the quality of banking services. The practical study was applied to the National Savings and Insight Bank (CNEP-BANQUE), Ain Témouchent branch, by analyzing a questionnaire distributed to a sample of bank clients and employees using the SPSS software. The study concluded that adopting FinTech solutions and digital transformation effectively contributes to improving operational efficiency, modernizing electronic payment methods, and saving time and effort, thereby boosting customer satisfaction and achieving a competitive advantage. Despite some technical and cultural challenges, digitization remains a strategic necessity for modernizing the banking system and developing credit and financing activitiesItem عين تموشنت top gloves دور المواهب الخضراء في تعزيز التغيير التنظيمي نحو الاستدامة دراسة حالة(University of Ain Temouchent, 2026) حاج محمد سارة; سيدي علي شريف سكينة; وراد فؤادThis study aims to highlight the role of green talents in enhancing organizational change toward sustainability within an economic institution, by analyzing the relationship between the two variables. The descriptive analytical approach was adopted, using a questionnaire as the main data collection tool, and statistical analysis was applied. The study found a positive impact of green talents and their management practices in supporting organizational change and improving the institution’s environmental performance, in addition to their contribution to spreading sustainability culture and reducing resistance to change. The results also confirmed that investing in green human resources represents a key pillar for achieving organizational sustainability.Item انعكاسات التحويل الرقمي على كفاءة و فعالية التسير المالي في المؤسسة الاقتصادية(دراسة حالة في مؤسسة سونلغاز عين تموشنت)(University of Ain Temouchent, 2026) طيب عقيلي; عبد الجليل بلعربي; بن ياني مرادThis study aims to analyze the impact of digital transformation on the efficiency and effectiveness of financial management within economic institutions, through an applied case study of the Sonelgaz company in the Wilaya of Ain Temouchent, in order to highlight the extent to which digital transformation contributes to improving financial performance within the organization. The study adopted the descriptive analytical approach, and a sample of 40 employees and administrative staff from different departments was selected. A questionnaire was used as the main data collection tool, and the data were analyzed using SPSS software. The study found a positive impact of digital transformation on the efficiency and effectiveness of financial management within the institution, particularly through the role of digital human resources, while no clear significant effect was observed for digital infrastructure when considered separately. The results also showed that digital transformation contributes to improving financial efficiency, reducing errors, and accelerating decision-making within the institution.Item مساهمة تطبيق الاقتصاد الدائري في ترشيد الموارد وتحقيق الاستدامة دراسة حالة في مؤسسة تثمين النفايات المنزاية وشبيهاتها بولاية عين تموشنت(University of Ain Temouchent, 2026) خلادي مليكة; الحاج سعيد فاطمة; بوزيان الرحماني هاجرThe study aims to highlight the circular economy as a strategy to achieve sustainable development goals and rationalize resources. To answer the problem posed and the sub-questions, test the study hypotheses, and achieve the study objectives, the study was conducted at the Household Waste and Derivatives Valorization Institution in Ain Temouchent through the design of a questionnaire. The study population included a sample of consumers of plastic products, which numbered 50 individuals. In light of this, the data were collected, analyzed, and the hypotheses were tested using the Statistical Package for the Social Sciences SPSS V27. The study reached several conclusions, most notably that the circular economy, with its dimensions (resource efficiency, waste reduction, product lifespan and durability design, reuse and recycling, environmental innovation, and adoption of green technologies), has a statistically significant impact on sustainable development. It also found that 58.8% of the variance in sustainable development stems from the circular economy. Furthermore, the study found no statistically significant differences in respondents' perceptions of the study variables attributable to personal or professional factors. The study recommended strengthening the legal and regulatory framework that supports the transition to a circular economy through the enactment of clear legislation, It encourages recycling, reduces the excessive consumption of natural resources, and provides financial and tax incentives for the private sector, especially startups and small and medium-sized enterprises (SMEs), to adopt sustainable solutions based on recycling, reuse, and eco-design of products.Item سبل تطوير صادرات الجزائر بين الواقع و المامول 2020-2025(University of Ain Temouchent, 2026) صافية افري; بوعلي عبد القادرThis study examines ways to develop Algerian exports between reality and expectations, aiming to reduce dependence on the hydrocarbons sector and diversify the national economy. It adopts a descriptive and analytical approach to present the current situation of Algerian exports and analyze the main constraints limiting their growth. The study finds that Algerian exports remain heavily dependent on hydrocarbons, while non-hydrocarbon exports are still weak due to several obstacles, including limited economic diversification, inadequate infrastructure, administrative constraints, and low competitiveness. It concludes that improving Algerian exports requires economic diversification, improving the business climate, supporting small and medium-sized enterprises, developing infrastructure, and promoting innovation in order to achieve sustainable economic development and strengthen Algeria’s position in international marketsItem التوجه نحو التحول الرقمي و دوره في تحسين أداء المؤسسة الاقتصادية(University of Ain Temouchent, 2026) منقور محمد نذير; بوسيف بن حليمة; بن الدين نور الهدىThis study aimed to identify the current state of digital transformation and its role in improving performance within economic institutions. The study was conducted at the Sonelgaz branch in Hammam Bouhadjar, Ain Temouchent. To achieve the study's objectives, a descriptive-analytical approach was employed, utilizing a questionnaire as the primary data collection tool. Data was then analyzed using the SPSS statistical software. The study found that the organization under study is interested in digital transformation. It also demonstrated a statistically significant positive impact of digital transformation, as well as each of its dimensions, on improving the organization's overall performance, with the exception of the human resources dimension. Therefore, the study recommends raising awareness of the importance of digital transformation among employees, upgrading the infrastructure, and strengthening cybersecurity frameworksItem دور البنوك التجارية في تحفيز ريادة الأعمال- دراسة حالة في البنك الخارجي الجزائري وكالة بني صاف عين تيموشنت(University of Ain Temouchent, 2026) ريحان هوار; مريم دعاء حجري; غرزي سليمةThis study aims to demonstrate the role of commercial banks in promoting entrepreneurship by analyzing the support mechanisms offered to entrepreneurial projects. The case study focuses on the Beni Saf branch in Ain Temouchent, affiliated with the Algerian Foreign Bank. The study employs a descriptive-analytical approach, beginning with a theoretical framework that presents the fundamental concepts of commercial banks and entrepreneurship and analyzes the relationship between them. The practical component utilizes a questionnaire as the primary data collection tool, with data collected from the study sample and analyzed using SPSS software. The results reveal a vital role for commercial banks in supporting entrepreneurship through financing and diverse banking services. However, challenges related to lending conditions and administrative procedures necessitate improved banking performance and enhanced support for emerging projectsItem دراسة قياسية لأثر تغير سعر النفط على النمو الإقتصادي في الجزائر خلال الفترة (2024/1990)(University of Ain Temouchent, 2026) فريال بن عامر جباري; فراح بن عزة; زدون جمالThis study aimed to examine the impact of oil price changes on economic growth in Algeria during the period (1990–2024), using the Engle–Granger cointegration methodology and the Error Correction Model (ECM). An econometric model including two main variables was adopted, where oil price represents the independent variable, while economic growth represented by Gross Domestic Product (GDP) constitutes the dependent variable. The study revealed the existence of a long-run equilibrium relationship between oil prices and economic growth in Algeria. The econometric estimation results also showed a statistically significant inverse relationship between the two variables, indicating that rising oil prices do not necessarily lead to sustainable economic growth due to the continued dependence on the hydrocarbon sector and the weak contribution of other productive sectors. In addition, the results of the Error Correction Model demonstrated that the impact of oil price changes appears more clearly in the long run than in the short run, along with the existence of a one-way causal relationship running from oil prices to economic growth according to the Granger causality test. Based on these findings, the study recommends several measures, the most important of which are: diversifying the economy outside the hydrocarbon sector, transforming oil revenues into sustainable human capital, and linking public spending to productivity indicators rather than to oil price levels.Item بطالة خريجي الجامعات في الجزائر:تشخيص الواقع و فعالية الية التسغيل المحلية-دراسة حالة ولاية عين تموشنت(University of Ain Temouchent, 2026) زقار نوال; زيان سيدي محمد; العقعاق مصطفىexamines graduate unemployment in Algeria, focusing on Aïn Témouchent and th e role of ANEM and DAIP. It concludes that the main causes are the imbalance between the g rowing number of graduates and the scarcity of permanent jobs, the mismatch between educati on and market needs, and the lack of practical skills. Temporary jobs lead graduates back to unemployment, and government programs remain insufficient to absorb the continuous increase"Item دور النوافذ الاسلامية في تحسين الاداء المالي للبنوك(University of Ain Temouchent, 2026) شعايب نجاة; سي بوعزة نضيرة; غرزي سليمةThis study examines the role of Islamic windows in improving the financial performance of commercial banks, in light of the growing interest of banks in providing Islamic banking services and products compliant with Islamic Sharia principles. The study focuses on the contribution of Islamic windows in attracting savings, increasing financing growth, and their impact on banking performance. In the theoretical part, the study addressed the motives and reasons behind the adoption of Islamic banking principles by conventional banks, as well as the Sharia regulations governing the establishment of Islamic windows. In the practical part, a case study was conducted on the Islamic window of the Bank of Agriculture and Rural Development (BADR). The study relied on the descriptive analytical method and used statistical data collected through interviews with the agency staff, in addition to analyzing the results provided by the bank. The findings revealed that the experience of opening the Islamic window was successful and contributed positively to increasing bank deposits and investments, improving financial performance, and expanding the customer base. The results also showed a growing acceptance among customers of Islamic banking products offered within conventional banks. Furthermore, the study confirmed that diversifying products and developing innovation in Islamic financing formulas are essential factors for sustaining this improvement and strengthening banks’ competitiveness.Item وﻛﺎﻟﺔ ﺑﻨﻲ ﺻﺎف (BEA) واﻗﻊ الصيرفة الإسلامية ﻓﻲ اﻟﺒﻨﻮك العمومية دراﺳﺔ ﺣﺎﻟﺔ: ﺑﻨﻚ اﻟﺠﺰاﺋﺮ اﻟﺨﺎرﺟﻲ(University of Ain Temouchent, 2026) كريو نعيمة; دامو خضرة; واسطي أسماءThe study examined the state of Islamic banking in Algeria through the experience of the Banque Extérieure d'Algérie (BEA) between 2020 and 2026, based on an analysis of data and official reports. It found that Islamic banking has witnessed significant development driven by legislative and regulatory reforms, which have boosted financial intermediation and increased demand for Islamic products—particularly the *Murabaha* model. However, the sector continues to face challenges regarding the tax framework, a lack of adequate training and qualification, and the absence of an integrated Islamic financial market, all of which limit its expansion and the realization of its full potential