Journal of North African Economies https://www.ajol.info/index.php/jnae <p>The <strong>Journal of North African Economies </strong>A specialized scientific journal, published by Hassiba Ben Bouali University of Chlef is founded since 2004, <strong>JNAE </strong>aims to become an international economic journal more typically by a continually concern to develop it and by the contribution of researchers and professors .JNAE is a scholarly journal which seeks to publish articles and researches in economic topics that occupy the economic thought and its developments, especially in Algeria and other African countries and the rest of world. Also, JENA publishes researches interest the Arabic and international economies. It is an open access to publish research of professors and researchers from inside Algeria and abroad in Arabic, French and English language.<br /><br />You can view this journal's own website<a href="https://www.asjp.cerist.dz/en/PresentationRevue/9" target="_blank" rel="noopener"> here</a>.</p> University of Hassiba Benbouali in Chlef, Algeria en-US Journal of North African Economies 2588-1930 Circular economy, motivations for its adoption, and the main challenges in its implementation “A presentation of the German experience (2017-2020)” https://www.ajol.info/index.php/jnae/article/view/266559 <p>This study aims to delve into understanding the nature of the circular economy, and its underlying principles, explore the motivations for&nbsp; transitioning towards it, and highlight the advantages and challenges hindering the shift. Additionally, this is done through using the&nbsp; descriptive approach and a case study method. The study concludes that the circular economy represents an alternative economic model&nbsp; to the linear economy, aiming to progress toward sustainability by maximizing product value, extending their lifespan, reducing waste&nbsp; and emissions, preserving the environment, and enhancing the efficiency of natural resource utilization. Furthermore, the study&nbsp; emphasizes that the German experience stands out as a leading example in the field of the circular economy, having embraced it since&nbsp; 1996 through the introduction of laws on the circular economy, waste management, and various legal frameworks enacted until 2019. Among its notable waste management strategies is the implementation of the waste hierarchy principle, aiming to separate economic&nbsp; growth from resource use.&nbsp;&nbsp;&nbsp;</p> Younes Guerrouat Abdelhak Elkinai Noureddine Noui Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 1 16 Green investment is a development alternative outside the hydrocarbon sector in Algeria - presentation of the solar energy projectt SSB in Algeria https://www.ajol.info/index.php/jnae/article/view/266560 <p>Algeria's increasing interest in renewable energies is embodied in undertaking a number of measures in light of reliance on a strategic&nbsp; national program that extends to the horizon of 2030, which includes pioneering projects, especially in the field of solar energy and wind&nbsp; energy, and supporting it with regulatory and legal methods that encourage the development of renewable energy because of its great&nbsp; importance in achieving Sustainable development, which is what was highlighted through this paper by highlighting the most important&nbsp; projects in this field, where the role assigned to energies is mainly to meet the demand for energy in isolated places and far from renewable electricity and gas networks within the framework of the national energy policy at the present time in the natural Which makes&nbsp; the efforts made in this field far from hoped for. Algeria's move towards a green economy is a strategic energy choice that&nbsp; contributes to preparing the country for the transition to a new and sustainable economy for current and future generations, similar to&nbsp; renewable energies that support the transition towards a sustainable formula for the Algerian economy.&nbsp;&nbsp;</p> Abderahmani Chouaib Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 17 32 The impact of structural and technological change according to Saudi Vision 2030 on the performance of human resources, a case study of the Saudi Electricity Company https://www.ajol.info/index.php/jnae/article/view/266577 <p>This study aims to identify the impact of both structural and technological changes on the performance of human resources in the Saudi&nbsp; Electricity Company. After presenting the theoretical side of the study and identifying its variables, a questionnaire containing 40 words is&nbsp; designed, trying to measure the relationship between the variables and the possibility of the impact of both structural and&nbsp; technological change on the performance of the employees in the company subject of this study. The results showed that the variable of&nbsp; technological change is the most statistically significant because the corresponding Beta value of this variable is equal to 0.377 and is&nbsp; therefore statistically significant at a level less than (0.05). This variable is followed by the change variable which includes the&nbsp; organizational structure where the value of (Beta) corresponding to this variable is equal to 0.219 and is statistically significant at a level&nbsp; less than (0.05).&nbsp;</p> Abdelfattah Allaoui Abdullah Saleh Al-Najrani Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 33 56 The Effect of Capital Adequacy on Profitability -Panel data Evidence from North Africa and Middle East Commercial Banks (2014-2020) https://www.ajol.info/index.php/jnae/article/view/266579 <p>The objective of this study is to scrutinize and measure the impact of the capital adequacy ratio as required by the Basel Committee on a&nbsp; set of bank’s profitability that operating in the Middle East countries and North Africa, during the period (2014-2020). Thus, we estimate&nbsp; banks' profitability using return on equity (ROE) as the dependent variable, while using the capital adequacy ratio set by the Basel&nbsp; Committee as the independent variable. Hence, to attain the aim of this study, we depend on panel data models. The study came to a&nbsp; conclusion, that the capital adequacy ratio has a significant negative impact on return on equity. So, the increase in the capital adequacy&nbsp; standard observed among the banks in the sample drove to a decrease in the banks' ROE. furthermore, this is by virtue of the procedures&nbsp; used to raise capital, which also require internal or external financing, which in turn causes the latter to distribute profits and&nbsp; add them to capital over a longer period of time, which cause a decrease in the return on equity ratio.&nbsp;&nbsp;</p> Amina Benkheznadji Qadri. S Shukri Farah Bensalem Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 57 70 The impact of financial innovation in banks on financial performance - Dubai Islamic Bank as a model - an econometric study using the ARDL approach during the period 2013 - 2023 https://www.ajol.info/index.php/jnae/article/view/266582 <p>Financial innovation is one of the important topics that requires significant attention and indepth analysis, therefore, this study aims to highlight the impact of financial innovation on the financial performance of Dubai Islamic Bank during the period 2013-2023, using the&nbsp; distributed Autoregressive model (ARDL) and utilizing the Eviews 12 software, financial innovation indicators were represented by&nbsp; investments in Sukuk (IS), Murabaha (MRH), Musharakah (MSH), and Ijarah (IJR), while the financial performance indicator was&nbsp; represented by net profit margin (NPM). The study's findings indicate a statistically significant positive impact at a 5% significance level of&nbsp; financial innovation on the financial performance of Dubai Islamic Bank, This indicates the existence of a co-integration relationship in&nbsp; the short and long term, which confirms the importance of adopting financial innovations in the banking sector.&nbsp;</p> Bouziani Nour El Houda Tahraoui Douma Ali Benadda M‘hamed Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 71 84 The intermediary exchange rate regimes what option is the best for the Algerian exchange regime https://www.ajol.info/index.php/jnae/article/view/266596 <p>The aim of our paper is to elicitate the best option (the intermediary exchange rate regime) to accompany our transition from the fixed&nbsp; exchange regime to the floating one, to ensure the stability&nbsp; of the monetary market, and the level of the prices of goods and services&nbsp; that will be endangered in the case of a direct transition. The best option for the Algerian monetary market is the managed floating&nbsp; regime, in which the manipulation of the national currency will guarantee a smooth accompaniment of the balance of payment situation,&nbsp; managing the foreign currency reserve, while securing the power purchase. But in fact the Algerian regime is still the centralized system,&nbsp; with the is no manipulation of the national currency, only by pegging it to the dollar, by conducting a devaluation to mitigate the&nbsp;&nbsp; effect&nbsp; of 2014 crisis on the balance of payment, or revaluation to protect the power purchase.</p> Benmessaoud Adem Guelmine Mohamed Hichem Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 85 100 Evaluate the fixed measurement of things value by JOD– Historical Study https://www.ajol.info/index.php/jnae/article/view/266599 <p>This study aims to find the Jordanian Currency (JOD) possibility to become a fixed measurement for things value. The study methodology&nbsp; is collecting the directions of Jordanian foreign reserve by Central Bank of Jordan (CBJ) based to its annual reports during 1964-2022.&nbsp; Searchers used tables to find behavior of its changing every year as a qualitative and historical study. The result shows that JOD is not a&nbsp; fixed measurement for things value in long term because of international standards changings. These changing caused loss of gold&nbsp; covering to buy things and reduce Jordanian foreign currencies value, such as every gold ounce was equal 35 USD at time of building&nbsp; <br>the Jordanian foreign reserve in 1964 but now it about 2000 USD. The changing is continues impacting accepted levels of guarantee and liquidity negatively. Searchers suggested to increase local producing to cover local needs than import and to buy gold.</p> Abdullah Ibrahim Nazal Ahmed Makhlouf Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 101 118 The Conflict over Resources in Sudan between Major Powers - Economic Impacts and Geopolitical Consequences https://www.ajol.info/index.php/jnae/article/view/266601 <p>Energy sources are not only crucial for economic development but also significant in shaping the policies of both producing and&nbsp; consuming countries. These strategic resources have the power to influence the decision-making processes, in cases of cooperation,&nbsp; competition, and even conflict. Sudan, in particular, has recognition as a region of contentions, with major powers engaging in fierce&nbsp; competition over its resources. thus, the country's lands have become battlegrounds of varying intensity, as different stakeholders strive&nbsp; to secure their access to and control over these valuable energy sources. By focusing on Sudan as a case study, where there are&nbsp; numerous vital resources and a multitude of competitors, it can gain insights into the nature of geoeconomic competition and the factors contributing to the stagnation of development in the country, as it can uncover the underlying dynamics and potential strategies for&nbsp; promoting growth and maximizing Sudan's potential.&nbsp;</p> Sofiane Belmadi Hichem Kadri Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 119 136 The Reality of the Application of Solvency 2 in Algerian Insurance Companies https://www.ajol.info/index.php/jnae/article/view/266603 <p>This study aims to shed light on the reality of the Solvency 2 system's application in Algerian insurance companies by highlighting the&nbsp; extent of knowledge of the Solvency 2 requirements of insurance companies operating in Algeria, as well as assessing the level of&nbsp; compliance and responsiveness to the application of the requirements of this system as the most important developments of the&nbsp; precautionary regulations and rules in force internationally. To accomplish this, a questionnaire was designed and distributed to 26&nbsp; insurance companies operating in the Algerian insurance market, and the data were analyzed using the statistical package for social sciences (SPSS V26). According to the study findings, Algerian insurance companies' awareness of the Solvency 2 application&nbsp; requirements is below the required level, with a disparity in the degree of their responsiveness to Solvency 2 in terms of its three&nbsp; requirements.&nbsp;</p> Meriem Sid Sawsen Zirek Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 137 160 E-Government from Vision to Implementation in Developing Countries (the North Africa) as a model Challenges and Reflections https://www.ajol.info/index.php/jnae/article/view/266605 <p>This study aims to explore the potential for enhancing e-government indicators in developing countries (North Africa), in addition to&nbsp; evaluating the most important challenges facing these countries when adopting the e-government indicators adopted by developed&nbsp; countries, which will reveal the potential opportunities for their application. The objectives of the study were to propose possible&nbsp; solutions to avoid obstacles and to enhance the use of e-government. One of the results reached is that if the North African countries&nbsp; follow the projects that have been achieved by the developed countries, it is possible to overcome the difficulties and apply e- government. However, there is still a lack of detailed applications that would help developing countries implement egovernment&nbsp; mechanisms and benefit from the plans and programs of leading countries and try to keep pace with them.&nbsp;&nbsp;</p> Soumia Dendougui Kalid Hussein Shlash Al-Mahdawi Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 161 184 Dimensions of Artificial Intelligence and Data Strategies in Industrial Enterprises and Achieving Sustainable Leadership: A Reading in the Saudi Industrial National Strategy 2016-2030 https://www.ajol.info/index.php/jnae/article/view/266607 <p>It is very difficult to imagine an industry that will not be significantly impacted by data and artificial intelligence, contributing to&nbsp; enhancing economic performance, reducing costs, and improving operational efficiency. Artificial intelligence is expected to increase the&nbsp; global Gross Domestic Product (GDP) by approximately 14%, which is equivalent to around 58.9 trillion Saudi Riyals by 2030. It is&nbsp; anticipated that the Kingdom of Saudi Arabia will be a leader in the Middle East region in the artificial intelligence and big data market.&nbsp; Artificial intelligence plays a vital role in the future of the automation sector in the country. According to the Digital Riser 2020 report by&nbsp; the European Center for Digital Competitiveness, Saudi Arabia ranked first among the G20 countries. This substantial investment in&nbsp; artificial intelligence indicates that the contours of the industrial sector will change radically in the future. This study aims to elucidate the&nbsp; dimensions of artificial intelligence and data strategies in industrial enterprises and achieve sustainable leadership, with an analysis of&nbsp; the Saudi Industrial National Strategy 2016-2030.&nbsp;</p> Benazza Hicham Djilali Toumi Hamza Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 185 204 Cultivating Compliance: Unraveling the Interplay of Culture, trust, and religiosity in Algerian SME managers' Attitudes towards Tax Evasion https://www.ajol.info/index.php/jnae/article/view/266608 <p>This paper explores the impact of cultural dimensions along with the inclusion of religiosity and trust in the government, on SME&nbsp; managers’ attitudes toward tax evasion. The study, specifically conducted in Algeria, aims to gain a better understanding of the impact.&nbsp; The findings from the multiple regression analysis indicate that the cultural dimensions examined do not adequately explain the main&nbsp; factors contributing to tax evasion. Specifically, no impact was found for power distance and masculinity, as well as trust in the tax&nbsp; authority. However, individualism, uncertainty avoidance, and religiosity were found to have a positive effect. This study offers valuable&nbsp; insights into the complex relationship between cultural factors and the attitudes of SME managers regarding tax evasion.</p> Kaoutar Rimouche Ahmia fateh Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 205 218 The diversifying strategy of market and tourism product as a mechanism to face the negative reflections of tourism sector -analysis of international experiences https://www.ajol.info/index.php/jnae/article/view/266609 <p>This study aims to review the negative repercussions of the tourism sector's sensitivity and responsiveness to negative variables and how it is affected by economic, security and media fluctuations, as well as to find strategic marketing solutions to the problem of sensitivity&nbsp; and negative repercussions resulting from it. Our problem is how to avoid the negative repercussions of the tourism sector's sensitivity&nbsp; and economic fluctuations, then we will present international experiences that have been significantly affected by security or economic&nbsp; disturbance. Through our study, we found that tourism demand is determined by physical, psychological and behavioral factors, and&nbsp; control of tourism markets is through a competitive marketing mix that is formulated appropriately and flexibly.</p> Bagdadi Bilal Chekalil Imane Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 219 230 Application of minimal spanning tree search algorithms to the resolution of graph problems: Case of salting and snow removal of the road network of the city of Tiaret https://www.ajol.info/index.php/jnae/article/view/266611 <p>The main objective of this study is to treat a primordial subject of the optimization of graph and network problems, namely the problem&nbsp; of finding the spanning tree of minimum weight, which consists of identifying and determining the tree which connects all vertices of a&nbsp; graph using a set of edges whose cost is minimal. Through this research study we address the problem of salting and snow removal from&nbsp; the road network of the city of Tiaret during winter by the municipal authorities and services. Our mission is to determine a partial&nbsp; road network (sub-network) from the initial road network of the town of Tiaret, which will have to be salted and cleared of snow by these&nbsp; authorities and services. The application of graph theory techniques for modeling the problem, and the use of the main search&nbsp; algorithms for the minimum weight spanning tree, allowed the study to propose the optimal subnetwork which contains the main roads&nbsp; of the road network of the city of Tiaret, to salt and clear snow at the lowest possible cost.</p> Setti Hamid Beladjine Khaldia Berradia Slimane Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 231 248 Les Répercussions De La Crise Covid-19 Sur La performance financière des banques publiques algériennes selon le modèle de DuPont 2017-2021 https://www.ajol.info/index.php/jnae/article/view/266612 <p>Cette étude a été menée pour analyser la performance financière des banques publiques en Algérie pendant la crise de covid-19. Elle&nbsp; s'appuie principalement sur des données collectées à partir des états financiers et des rapports annuels des banques concernées pour la&nbsp; période (2017- 2021). Le modèle DuPont modifié a été utilisé dans cette étude pour mesurer le rendement et classer les banques&nbsp; sélectionnées en fonction de leur performance. L’étude a permis de dessiner un classement qui fait ressortir la BEA comme étant la banque la plus performante du fait d’une meilleure maitrise de ces couts et de la gestion des actifs a contrario la CNEP, la BADR et la BDL&nbsp; se positionnent en bas de l’échelle.</p> <p>&nbsp;</p> <p><em><strong>English title: The Repercussions of the Covid-19 Crisis On the Financial Performance of Algerian Public Banks According to The DuPont&nbsp; Model 2017-2021</strong> </em></p> <p>The aim of this study is to analyze the financial performance of public banks in Algeria during the covid-19 crisis. Information was&nbsp; collected from financial statements and annual reports during the period (2017-2021). The modified DuPont model was used to measure&nbsp; the profitability of Algerian public banks, and classify them according to their performance. The study made it possible to draw up a&nbsp; classification which highlights the BEA as being the most efficient bank due to a better control of costs and the management of the&nbsp; assets, on the contrary the CNEP, the BADR and the BDL are positioned in bottom of the scale.&nbsp;</p> Djaouti Samir Asmaa Sofiane Belhadj Hocine Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 249 262 L’estimation de la demande de travail en Algérie pour la période 1993- 2021 https://www.ajol.info/index.php/jnae/article/view/266615 <p>L'emploi est l'un des axes fondamentaux de la politique économique, car le volume d'emploi réel est l’un des indicateurs du succès de&nbsp; tout programme de développement, Et cette présente étude cherche les déterminants de la demande globale de travail en Algérie à&nbsp; l'aide d'une modélisation économétrique. Elle peut constater une évaluation de l'efficacité des facteurs qui l'affectent. Notre analyse&nbsp; s'est appuyée sur les outils d'analyse et de description des données de la Banque mondiale et de l’ONS(2020). Il a été démontré que tant&nbsp; pour le PIB, l'inflation, l’investissement, les dépenses publiques et l’ouverture commerciale ont un effet positif sur la demande de travail&nbsp; à long terme, alors qu'il existe une divergence de ces variables dans le court terme. Et que l'investissement direct étranger n'a pas eu&nbsp; d'impact significatif prévu sur la demande de travail.</p> Kadid Abdelkader Ali benyahia Abdelkader Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 263 280 Pépinières et Centres d’appui en Algérie : -Entre une volonté déterminée des pouvoirs publics et un vécu contrarié https://www.ajol.info/index.php/jnae/article/view/266618 <p>L’intérêt porté à l’examen de la situation des pépinières et centres d’appui comme incubateurs, encadrant les PME/PMI est de savoir&nbsp; dans quelles mesures ces structures locales ont-elles permis aux porteurs de projets de résoudre l’ensemble des difficultés rencontrées&nbsp; dans la création de leurs entreprises. Pour ce faire, nous avons privilégié le travail de terrain par l’organisation de rencontres directes&nbsp; avec les responsables en charge de ces structures au niveau des chefs-lieux de wilayas de l’Est Algérien. Chefs-lieux regroupant à la fois&nbsp; une pépinière et un centre d’appui. Ces rencontres sous forme d’interviews, ont permis aux responsables de mettre en exergue les difficultés rencontrées lors de leur mission d’encadrement. Parmi ces contraintes on notera le financement, l’éloignement des sièges par&nbsp; rapport aux centres des chefs-lieux, rendant tout déplacement des porteurs de projets difficile. Enfin les gestionnaires de ces incubateurs&nbsp; n’ont pas la formation entrepreneuriale requise pour insuffler une dynamique réelle d’encadrement des porteurs de&nbsp; projets.&nbsp;</p> <p>&nbsp;</p> <p><em><strong>English title: Business incubators and Support Centers in Algeria: </strong></em><em><strong>-Between a determined public authority will and a thwarted&nbsp; experience</strong></em></p> <p>The interest in examining the situation of business nurseries and support centers as incubators, supervising SMEs/SMIs, is to know to&nbsp; what extent these local structures have enabled project leaders to resolve all the difficulties encountered during their businesses. To do&nbsp; this, we favored field work by organizing direct meetings with the officials in charge of these structures at the level of the chief towns of&nbsp; eastern Algeria. Chief towns bringing together both a business nursery and a support center. These meetings, in the form of interviews,&nbsp; allowed managers to highlight the difficulties encountered during their management mission. Among these constraints we note&nbsp; financing, the distance of the headquarters from the centers of the chief towns, making any movement of project leaders difficult; Finally, the managers of these incubators do not have the entrepreneurial training required to instill a real dynamic of supervision of project leaders.</p> <p>&nbsp;</p> <p>&nbsp;</p> Gherras Nahla Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 281 296 The impact of international financial flows on economic development in Algeria An econometric study using the ARDL model during the period (1980-2021) https://www.ajol.info/index.php/jnae/article/view/266619 <p>No Abstract</p> د. بودالي بلقاسم ط.د. بن العايب عادل عبد الباسط Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 1 14 Islamic Sukuk And Their Impact On The Profitability Of Islamic Banks A Case Study Of AL_Rajihi Bank During The Periode (2008-2021) https://www.ajol.info/index.php/jnae/article/view/266620 <p>This study aims to identify the impact of investing in sukuk on the profitability of Islamic banks, As one of the financial tools and&nbsp; investment channels for Islamic financial institutions, Through a case study, the profitability of Al-Rajhi Bank in the Kingdom of Saudi&nbsp; Arabia was affected by its investment in Islamic sukuk during the period 2008-2021, In order to complete the study, the standard method&nbsp; was adopted using the VAR autoregressive beam model , Using the Eviews 12 program based on data obtained from the annual reports&nbsp; of Al Rajhi Bank, The study reached a number of results, including: There is a direct relationship between the volume of profits achieved in Al-Rajhi Bank and the volume of Islamic sukuk, This means that the higher the volume of sukuk invested in by Al Rajhi Bank in a year,&nbsp; the higher the value of profits achieved in the following year, and vice versa in the case of a decrease, The study also concluded that the&nbsp; investment of Islamic banks in sukuk has strong positive effects on the size of their future profits.&nbsp;&nbsp;</p> د.حمزة مقاتل د.عبد القادر طاري Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 15 28 The role of E – payment methods in mitigating financial and banking risks- practical study on some Yemeni banks https://www.ajol.info/index.php/jnae/article/view/266628 <p>This study aimed to identify the reality of electronic payment methods and its role in mitigating financial and banking risks through&nbsp; applied to Yemeni banks. The study depends on analytical&nbsp; descriptive approach to analyzing the data of the study. The study population&nbsp; also consisted of a group of workers in some Yemeni banks, whose number is (6) banks. And through Statistical treatment. The study&nbsp; reached a set of results. Electronic payment methods contributes to increasing the mitigation of financial and banking risks in Yemeni&nbsp; banks by (.783), And there is a significant impact of the use internet banking and electronic payment cards in Yemeni banks in mitigating financial and banking risks, the size of the effect of each of them reached (67%), (63%),Also There is a slight impact of using electronic&nbsp; money wallets in mitigating financial and banking risks in Yemeni banks, the size of their effect reached (48%),And Weak of banking&nbsp; awareness in the use of electronic payment methods by Yemeni bank customers, the degree of awareness reached (63%).</p> صخر فارع الجنيد نبيل محمد العلفي Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 29 52 Evaluating the performance of Islamic banks according to the blanced scorecard – case study of the Algerian Salama Bank https://www.ajol.info/index.php/jnae/article/view/266630 <p>The main objective of the study is to find out how the performance of Islamic banks is evaluated according to the balanced scorecard, with a case study of the Algerian Salam Bank during the four years from 2018 to 2021. In order to reach that goal, the deductive approach&nbsp; was followed with its two tools of description and analysis, and some results were reached, including: The balanced scorecard&nbsp;&nbsp; should adapt to the specificity of the Islamic bank and add other dimensions that include its developmental and ethical goals, and that&nbsp;&nbsp; the performance of the Algerian Salam Bank was good, and it always seeks to achieve the best and its strategy for customers is successful and good.</p> د. فوضيل لحسن د. خنوسة عديلة Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 53 66 Measuring and Analyzing the Impact of Oil Price Fluctuations on the Fiscal Policy Response in Algeria An Econometric Study For The Period 2000-2021 Using The Non Linear Autoregressive Distributed Lag Model (NARDL) https://www.ajol.info/index.php/jnae/article/view/266632 <p>This study aims to measure and analyze the asymmetry in the impact associated with crude oil price shocks on the fiscal policy response&nbsp; in Algeria during the period 2000-2021, Using The Non Linear Autoregressive Distributed Lag Model (NARDL), coupled with asymmetry&nbsp; test and shock analysis. The econometrics results showed that there are: firstly, along-term equilibrium relation ship between&nbsp; government spending and positive changes in the price of oil and negative changes in the price of oil. Secondly, the price of crude oil&nbsp; exerts an asymmetric effect on government spending in the short and long term. Thirdly, Fiscal policy in Algeriais more responsive to&nbsp; positive shocks in the price of crude oil in the short and long terms, compared to negative shocks in the price of crude oil.</p> بوعافية سمير رحالي بلقاسم Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 67 86 Comparison of the VAR and ARIMA model for inflation prediction in Algeria https://www.ajol.info/index.php/jnae/article/view/266633 <p>This study aims to predict the inflation index in Algeria during the period from 2021 to 2023 by using statistical data from 1980 to 2021, in&nbsp; addition to macroeconomic indicators for the standard study, which are economic growth, unemployment and the balance of payments. And by using two different models, the vector autoregressive VAR model and the autoregressive and moving average model ARMA, and&nbsp; to achieve the goal for which the&nbsp;&nbsp; prediction process was made, the predictive values of both models were evaluated based on the&nbsp;&nbsp;&nbsp; statistical criteria MAPE, RMSE and MAE to compare between the two models through the values of Errors and prediction accuracy, where&nbsp; the ARIMA model (1,1,4) proved superior to the VAR model.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> بلحاج عمارة شهرزاد Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 87 98 Social protection in Islam- the effectiveness of contemporary social security systems in achieving social justice: Comparative study summary https://www.ajol.info/index.php/jnae/article/view/266635 <p>The Islamic civilization has taken care of the affairs of the Islamic state and Muslim and nonMuslim citizens who are in its surroundings and covered by its care, so that security and social peace prevail among them, which sets solid rules of relations between Muslims and&nbsp; others, and this should fall within the general policy of countries in order to achieve a promising future for societies and individuals, and&nbsp; more equal, and this research aims to study the effectiveness of social security systems contemporary and compared to the social&nbsp; protection system in Islam, by presenting the foundations and manifestations of Islamic law care for the poor and needy in society and&nbsp; achieving social justice, and identifying similarities and differences between contemporary social security systems, and social protection&nbsp; provided by the Islamic religion, the study concluded a result represented in the precedence of the Islamic religion for the process of&nbsp; devoting social protection by targeting the poor and needy groups in providing them with sufficiency, and that work in Islam is a priority&nbsp; in providing the needs of individuals in society before asylum to others through the mechanism of social solidarity, which comes when&nbsp; necessary and in the second degree.</p> بن منصور عبد اه محيوتي عاشور Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 99 114 Digital infrastructure and its role in attracting foreign direct investment to Algeria during the period (2019_2022) https://www.ajol.info/index.php/jnae/article/view/266636 <p>The study aims to shed light on the reality of digital infrastructure in Algeria, and its role in attracting and enhancing foreign investments&nbsp; in the country. This is done by presenting the most important indicators of information and communication technology, as well as the&nbsp; reality of Algeria in the field of using modern technology, and the most important challenges it faces. The study concluded with a set of&nbsp; results and recommendations, most notably that the digital infrastructure in Algeria is very weak and must be developed and&nbsp; strengthened, as a result of its crucial role in attracting foreign direct investment.</p> مواسيم رميساء نجاة بلغنو سومية Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 115 130 The legal risks of the industrial subcontracting: Competition law constraints https://www.ajol.info/index.php/jnae/article/view/266637 <p>From a legal point of view, the study outlines some of the legal risks (competition law) that need to be taken into account in the Industrial&nbsp; subcontracting in its aspects related to intellectual property rights. European Union law has been used to illustrate how it has&nbsp; dealt with the issue, as well as Algerian law, which has focused on industrial subcontracting as a tool for the development of small and&nbsp; medium-sized enterprises (SMEs). On the basis of the adopted hypothesis, the study concludes by clarifying when competition law is violated in an industrial subcontracting and how competition policy accompanies partnership agreements between sub-contractor SMEs.</p> صاري نوال Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 131 141 Previewing and Proving Fiscal Fraud https://www.ajol.info/index.php/jnae/article/view/266638 <p>Fiscal Fraud is a dangerous economic crime that causes weak fraud collection and lack of revenues in exchange for the terrible increase in&nbsp; expenses, which ultimately leads to an imbalance in the public budget and consequently the inability to maintain political and social&nbsp; balances especially when petroleum revenues are no longer sufficient to cover expenditures. This requires concerted efforts to fight tax&nbsp; fraud in its various forms. Previewing and proving the facts of this crime can be the basic building block for the success of efforts aimed&nbsp; at fighting the multiple appearances of fiscal fraud. Preview and proof procedures in this type of crime are distinguished by their&nbsp; peculiarities, whether with regard to the persons qualified to carry out these procedures or in terms of means and legal authentic&nbsp; according to our personal opinion, to more development, especially with the increasing and complexity of fiscal fraud cases.&nbsp;&nbsp;</p> د. بخدة عواد Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 143 154 Social, economic, and spatial impacts of COVID-19 pandemic in Turkey https://www.ajol.info/index.php/jnae/article/view/266639 <p>This article aims to study the social, economic and spatial impacts of the COVID-19 pandemic and the variously affected economic sectors&nbsp; in Turkey and highlights the factors that distinguish Turkey from other countries with a special focus on the factors affecting the spread&nbsp; of the epidemic, and the determinants of the changes caused by the epidemic in mobility between individuals. This study reveals the&nbsp; factors that distinguish Turkey from other countries and highlights the various challenges it faced, as the impacts of COVID-19 in Turkey&nbsp; also differ from several&nbsp; international perspectives compared to other countries and regionally through different social, economic and regional dynamics within the country. From an international perspective, the most prominent factor that distinguishes Turkey from other&nbsp; countries is its effective economic performance during the pandemic, as it was considered among the few countries with positive&nbsp;&nbsp; performance and its experience is one of the most successful in the world.</p> د.بوخبزة فوزية Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 155 164 Analytical Study of Algeria's Innovation Ranking Based on the Main Criteria of Input and Output Indicators of the Global Innovation Index https://www.ajol.info/index.php/jnae/article/view/266640 <p>The objective of this research paper is to clarify the general framework of innovation in organizations in terms of concept and&nbsp; importance, identify its types, factors affecting it and its basic sources, explain how organizations become more innovative, clarify the method of measuring innovation within organizations, in addition to analyzing the relationship between Algerian investments in&nbsp; Innovation and innovation outcomes. The results of the study showed that Algeria’s performance in the field of innovation is lower than&nbsp; expectations regarding its level of development during the year 2022, with it occupying 115th place out of 132 countries. However, its&nbsp; performance was above average for the group of lower middle-income countries in terms of human capital and research. It ranked fifth&nbsp; (5) out of 132 countries in terms of gross capital formation as a percentage of gross domestic product, reaching 32%, which is a high&nbsp; percentage that is considered a strength for innovation and investment together.</p> يسعد عبد الرحمن ولد علي لطيفة مكاوي محمد األمين Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 165 180 Hydrogen: a Renewabel Energy to Reduce Carbon Dioxide Emissions –Reality and Prospects https://www.ajol.info/index.php/jnae/article/view/266641 <p>This study aims to show the reality and prospects for using clean hydrogen to reduce carbon dioxide emissions. The descriptive and&nbsp; analytical approach was relied upon to accurately describe the variables of the study, as well as the analysis of the global use of clean&nbsp; hydrogen, as well as the analysis of its situation in a group of countries, including Algeria. The concept of carbon dioxide emissions was&nbsp; discussed, as well as study of the concept of renewable energies and its most important sources, including hydrogen energy and its&nbsp; types, the Status of hydrogen energy in the world was also studied, with a focus on low-carbon hydrogen, its was concluded and&nbsp; investment for hydrogen is in a countinuous increase until the horizons of 2050, and that most countries of the world have concluded&nbsp; several alliances regarding the exploitation of hydrogen energy, especially since the costs of low-carbon hydrogen are constantly&nbsp;&nbsp;&nbsp; declining until the horizons of 2050.</p> بولقرينات سليمة Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 181 194 The impact of integration between Knowledge Management and Economic Intelligence on achieving Organizational Ambidexterity Cas study: Adwan chemical industries in Algeria https://www.ajol.info/index.php/jnae/article/view/266642 <p>This paper aims to demonstrate that the organization ability to achieve a balancing strategy between exploitation and exploration&nbsp; (ambidexterity) depends on the association between two approaches: Economic Intelligence (EI) and Knowledge Management (KM), that&nbsp; helps to have a deep understanding of changes while ensuring the improvement of competitiveness. The&nbsp; empirical research consists of a&nbsp; case study where altogether 35 survey questionnaires were conducted. Additional data includes case-specific company documents and&nbsp; open interviews. The results showed that integration between KM and EI ensures the ambidexterity by allowing the organization to&nbsp; develop dynamic absorption capacities, to have strategic flexibility, as well as to improve the current and future organizational&nbsp; performance. By realizing integration between KM and EI, the organization can achieve the organizational ambidexterity.</p> د. بن عامر داهينين Copyright (c) 2024 University of Hassiba Benbouali in Chlef- Algeria https://creativecommons.org/licenses/by/4.0 2024-03-08 2024-03-08 20 34 195 220