{"title":"The Impact of Fintech Application on the profitability of the banking sector in Algeria: An analytical and Statistical Econometric Study for Period (2010-2022) [In Arabic]","authors":"Rabia Benzeid, Amina Kadja, Lamia Ammeni","doi":"10.58205/fber.v6i4.118","DOIUrl":"https://doi.org/10.58205/fber.v6i4.118","url":null,"abstract":"This study aims to detect the impact of the application of financial technology services, represented by the number of automated teller machines (ATMs) per 100,000 adults and the number of interbank payment cards (CIB) issued in Algeria, on the profitability of the Algerian banking sector as measured by the rate of return on equity (ROE) for annual data during the period (2010-2019), using a multiple linear regression model. This was preceded by a statistical study of the reality of the application of financial technology services in Algeria during the period (2016-May 2022). The study found a positive significant effect of the two indicators of financial technology on the rate of return on equity (ROE). In order to benefit the banking sector in Algeria from the advantages of financial technology the concerned authorities should pay attention to the need to develop the banking sector and provide technical infrastructure and appropriate financial technology services.","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"113 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120825771","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Istisna'a Contract as a Financing Tool for Industrial Clusters","authors":"Qasim Mousa Abu Eid ","doi":"10.58205/fber.v6i4.126","DOIUrl":"https://doi.org/10.58205/fber.v6i4.126","url":null,"abstract":" \u0000 The main objective of this study is to explore how the Istisna’ contract is used as a financing tool for industrial clusters, and how Istisna’ contracts are being used to overcome their problems to increase their effectiveness in the national economy. The study used the descriptive analytical approach to review the scientific literature of industrial clusters and the jurisprudential references to describe the Istisna’ contract and identify its role as a financing tool. As a conclusion, it was being found that Istisna’ contract is a flexible and effective financing tool that could be employed in financing and developing industrial clusters. Also it was recommended that, Islamic Banks adopt financing all components of the industrial clusters through Istisna contract.","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125218036","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Talent Management in The Era Of Big Data [In Arabic]","authors":"Souad Boufroukh, Zahia Bouteghrine","doi":"10.58205/fber.v6i4.114","DOIUrl":"https://doi.org/10.58205/fber.v6i4.114","url":null,"abstract":"This paper aims to study the importance of adopting big data in talent management, its applications, its barriers and challenges, we have presented the theoretical concepts related to talent management, big data and identifying the change that this type of data has brought on. Then we presented big data and its various applications in talent management such as recruitment, training, evaluation, determining paid performance and managing career paths, highlighting the most important values for adopting big data in human resources, including talent management in particular. In the last part, we reviewed the five groups of barriers to the adoption of big data (technological, economic, organizational, human and external environment)..","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"19 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127707377","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Impact of Liberalization of Financial Services Sector on Economic Growth in Algeria: An Empirical Study for the Period (1980-2021) [In Arabic]","authors":"Mourad Boussadia","doi":"10.58205/fber.v6i4.115","DOIUrl":"https://doi.org/10.58205/fber.v6i4.115","url":null,"abstract":"This study aimed to analyse the impact of liberalization of the financial services sector on Algeria's economic growth for the period (1980-2021), using the ARDL-bounds testing approach, and based on a set of well-known indicators to express the internal and external financial liberalization policy, such as the Kaopen and IFGDP indicators to explain the reality and extent of capital account liberalization and the restrictions and controls imposed on it, and an indicator as a proxy of banking market liberalization, in the absence of the financial market liberalization index, due to the ineffectiveness and liberalization of the Algiers Stock Exchange in front of the foreign investor; \u0000The results showed that the financial liberalization policies pursued by Algeria to liberalize it's financial services sector had a negative impact on it's economic growth rates, whether it was related to the external financial liberalization (capital account liberalization) or the internal financial liberalization (banking market liberalization). Therefore, the Algerian authorities should redouble and expand reform efforts to enhance the competitiveness of it's financial services sector to achieve acceptable economic growth rates.","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"109 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132151723","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Modeling by Using Linear First-Order Difference Equations and its Application in Economics","authors":"Brahim Rahim, Radhia Baghdoud","doi":"10.58205/fber.v6i4.119","DOIUrl":"https://doi.org/10.58205/fber.v6i4.119","url":null,"abstract":"This research discusses the modeling by using linear difference equations that conclude to understand and explain different economic phenomena, we have divided this research into two parts, the first one focused in the Linear First-Order Difference Equations with Constant Coefficients with example like explaining the “Cobweb” model to study the relationship between supply & demand and Harrod model to study the relationship between national income and economic growth. As for the second one was about case study: entitled modeling the impact of government support on the budget balance in Algeria. \u0000 We have founded that using modeling by using linear first-order difference equations with constant coefficients offers opportunities for the researchers in economics to model Economic phenomena in equations, and by trying to solve those equations to reach logic results, to eventually analyzingand explaining those results based on mathematical model.","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"88 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132586040","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Safe Transition from Paper to Paperless Administration: Case study of The Malaysian Experience, E-Tanah (E-land administration) ","authors":"Hichem Heriz, Yacine Boubakeur","doi":"10.58205/fber.v6i4.122","DOIUrl":"https://doi.org/10.58205/fber.v6i4.122","url":null,"abstract":" This paper presents theoretical, technical and practical aspects of using electronic administration (e-administration). Differences between The safe transition from paper to paperless administration. Several selected and existing technical solutions are presented and analysed. .Significant aspects of Case study: The Malaysian experience, This paper describes how closely e-administration is related to the proper functioning of modern governments. E-administration mechanisms, the structure and functions of selected systems are described. This study brings its contribution to the understanding of the methods of e-administration. \u0000 Malaysia is one of those who has early adopted this step, and get the Malaysian more happy and comfortable, but the transition was not as easy. \u0000 ","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129528512","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Investment Strategy of Global Sovereign Wealth Funds During the Period of the Pandemic (COVID-19) ","authors":"Maroua Benyakoub, Farah Elias Elhannani","doi":"10.58205/fber.v6i4.124","DOIUrl":"https://doi.org/10.58205/fber.v6i4.124","url":null,"abstract":"This study aims to determine the extent of the contribution of sovereign wealth funds during the COVID-19 crisis, and its ability to continue post-Covid and to remedy the changes in the economic environment resulting from the outbreak of the epidemic.The most important results reached in general, included the application of sovereign wealth funds to different strategies by allocating huge expenditures to the investment activity that contrast between mitigating and adapting to global economic changes and seizing opportunities to enhance returns on its investment portfolios and the growth of investment in biotechnology was noticeably higher than the rest of the industries, as it financed research and development for the manufacture of respirators and supported the development of vaccines.","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124483888","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Develop the Business Intelligence Based on knowledge Management Approach: Case Study of Telecom Operators in Algeria","authors":"I. Boudiaf","doi":"10.58205/fber.v6i4.120","DOIUrl":"https://doi.org/10.58205/fber.v6i4.120","url":null,"abstract":"We aim through this study mainly to measure the impact of knowledge management on Business intelligence through its factors. We have followed descriptive, inductive and experimental approaches. Where we have developed a model that shows the relationship between the variables and its impact (Knowledge management and Business intelligence). In this study we relied on structural dimensions as Leadership, cultivation; Technology, and process. This study was conducted on a sample of 153 individuals from 33 telecom agencies or commercial spaces in Algeria (8 WTA, 11 OTA, 14 AT), where the main results of this study showed the existence of a (strong - positive) correlation and effectiveness of Knowledge management and the Business intelligence.","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"286 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123445531","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"A Review of the Literature on Internal Audit in the Era of Digital Transformation","authors":"Soumia Tharouma, Moussa Oudai","doi":"10.58205/fber.v6i4.123","DOIUrl":"https://doi.org/10.58205/fber.v6i4.123","url":null,"abstract":" Digital transformation's (DT) potential for disruption has been widely discussed in scholarly literature and practitioner-driven discourses. The internal audit (IA) function is a pillar of the corporate governance function, as it maintains transparency in the dissemination of information and provides oversight and consulting services that assist companies in achieving their goals. \u0000 The challenges created by the DT to IA are twofold: the increase in the volume of data and the automation of processes. The purpose of this paper is to present the latest research findings on the impacts of digital transformation on the internal audit function. By conducting a literature review, a summary of the most frequently discussed literature attributes is also presented in this paper. This review ultimately reveals that internal audit quality in light of digital transformation contributes to business value creation and reporting quality improvement. Employing digital transformation mechanisms helps the internal auditor perform a comprehensive assessment and prepare periodic reports that incorporate highlights.","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132372491","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Istisna` risk Management in Islamic Banks","authors":"Hachemi Soltani, Sadek SEFFIH ","doi":"10.58205/fber.v6i4.125","DOIUrl":"https://doi.org/10.58205/fber.v6i4.125","url":null,"abstract":"This study aimed to identify the policies and procedures applied in Islamic banks to manage the risks of the Istisna` model. To achieve this objective, a descriptive and a case study approach were applied to identify the risks that can arise from implementing this model, and the adequate plans to face them. \u0000The study found that the Islamic bank faces many risks, when applying the Istisna` model, and by studying the case of Malaysia, it became clear that the country relies on several policies and procedures, such as using takaful insurance, guarantees, and adhering to the decisions and guidelines of the Basel Committee (BCBS) and Islamic Financial Services Board (IFSB). \u0000 \u0000 \u0000 ","PeriodicalId":194517,"journal":{"name":"Finance and Business Economies Review","volume":"340 2","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120847808","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}