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"المصارف"
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كتيب تعريفي بمجلس محافظي المصارف المركزية ومؤسسات النقد العربية واللجان وفرق العمل المنبثقة عنه
يتناول (كتيب تعريفي بمجلس محافظي المصارف المركزية ومؤسسات النقد العربية واللجان وفرق العمل المنبثقة عنه) والذي يقع في حوالي (44) صفحة من القطع المتوسط موضوع (إدرة البنوك) مستعرضا المحتويات التالية : مجلس محافظي المصارف المركزية ومؤسسات النقد العربية، اللجنة العربية للرقابة المصرفية، اللجنة العربية لنظم الدفع والتسوية، اللجنة العربية للمعلومات الائتمانية.
Book
The Role of Ethics as a Cornerstone of Corporate Social Responsibility in the Banking Sectors Performance in Lebanon
This paper aims to analyze the effect of ethical factors, leadership, and decision-making on bank performance in the Lebanese banking industry. The research employs both quantitative and qualitative research to achieve the objectives of the study. Qualitative information was obtained through interviews with key executives in the banking industry while quantitative data were collected from one hundred employees and managers from different banks. The findings depict significant positive correlations between client needs, bank credibility, ethical leadership, ethical decision-making, and general bank performance. The credibility of the data is affirmed by statistical analysis such as a Cronbach's Alpha reliability of .940 and a Kaiser-Meyer-Olkin Measure of Sampling Adequacy of .897. The study also emphasizes that customer orientation, transparency, and ethical behaviors are the key factors that contribute to sustainable success. Some of the recommendations made include; placing customer pleasure as the priority, enhancing the image of the bank, and integrating ethical concerns into decision-making. For the advancement of knowledge in this area, future research should consider using qualitative case studies, and cross- sectional and longitudinal research.
Journal Article
تقييم مؤشرات هيكل التمويل والسيولة في قطاع المصارف التجارية العراقية
تسعى هذه الدراسة إلى تحليل مكونات هيكل التمويل والسيولة في قطاع المصارف التجارية العراقية. وتم استخدام بيانات مالية سنوية لعينة مكونة من 15 مصرفا تجاريا مدرجا في سوق العراق للأوراق المالية خلال للمدة 2010- 2022. ولتحقيق هدف الدراسة تم تحليل مؤشرات هيكل التمويل الخاص بالمديونية ممثلة بنسبة إجمالي الدين إلى راس المال الممتلك ونسبة إجمالي الدين إلى الموجودات، بينما المؤشرات النائبة عن حقوق الملكية تمثلت بنسبة راس المال الممتلك إلى إجمالي الموجودات ونسبة راس المال الممتلك إلى إجمالي الودائع. أما مؤشرات السيولة فقد تم اعتماد مؤشر السيولة الجارية كمؤشر نائب عن السيولة المصرفية. أظهرت الدراسة أن اعتماد المصارف التجارية على التمويل المملوك بنسب مرتفعة يعد مؤشرا سلبيا على استراتيجياتها التمويلية، حيث يؤدي هذا الاعتماد إلى زيادة مستوى السيولة على حساب الربحية في المقابل، يعد التمويل بالديون نشاطا أساسيا للمصارف، مما يسهم في تحسين كفاءة استخدام الموارد وزيادة العوائد. وبالتالي فإن تعزيز استخدام التمويل بالديون بدلا من التمويل المملوك يمكن أن يحسن من قدرة المصارف على الوفاء بالتزاماتها المالية على المدى القصير والمتوسط، ويعزز من استقرارها المالي.
Journal Article
The Role of Human Resource Management in Achieving Competitive Advantage
The research aims to identify the functions of human resources management and its role in achieving competitive advantage through explore the impact of human resources management on sense of belonging among employees, and to Clarify the role of human resources management in developing individual, collective skills and to highlight the impact of human resources management on the quality of services provided by the employee to the client. This study relied on the descriptive analytical method. The questionnaire was developed for the purposes of collecting primary data, around (105) questionnaires were randomly distributed on the population of the study. The returned suitable questionnaires were (96) with (91%) response rate, and considered to be valid. The findings of this study were: 1-The results showed that there is a significant relationship between the human resources management, and the competitive advantage in the commercial banks in Jordan/northern region, and there is a positive relationship between human resources management and the competitive advantage. 2- Human resources management can be increasing employee's sense of belonging in commercial banks in the northern sector and the competitive advantage. 3-The study proved and emphasized that the commercial banks that practice human resources management and use it in their organizational life are more effective and more able to achieve their goals and keeping and attracting customers. 4- Human energy is one of the main factors in the success of the organization, and investment in that energy leads to the success of banks in their ability to achieve their goals. This study concluded with a set of recommendations, which were drawn in light of the results, the most important of which was, banks should exchange knowledge among employees through meetings, conferences and exchange of experiences.
Journal Article
أثر الخدمات المصرفية الإلكترونية في الكفاءة المصرفية
أدى تطور تكنولوجيا المعلومات والاتصالات وعلى رأسها الإنترنت والتكنولوجيا الرقمية في العالم إلى فرض قواعد جديدة في مجال الأعمال، الأمر الذي جعل المصارف الإسلامية الأردنية تهتم بتقديم خدماتها المصرفية إلى عملائها بشكل إلكتروني؛ استجابة لمتطلبات العصر من جهة وبغية تحقيق رضا العملاء والعمل على زيادة ولائهم من جهة أخرى، وتحقيق مستوى عال من الكفاءة والربحية، لأجل ذلك هدفت الدراسة إلى معرفة أثر الخدمات المصرفية الإلكترونية بأبعادها؛ (خدمات الصراف الآلي، والخدمات المصرفية الإلكترونية عبر الهاتف المحمول) كمتغيرات مستقلة في كفاءة المصارف الإسلامية الأردنية بأبعادها؛ (كفاءة التكلفة، وكفاءة الأرباح) كمتغيرات تابعة، ولتحقيق أهداف الدراسة فقد تم استخدام المنهج الوصفي التحليلي؛ من خلال تصمیم استبانة وزعت على عينة منتقاة من مجتمع الدراسة المتمثل بموظفي المصارف الإسلامية الأردنية، وبواقع (300) استبانة، استرد منها (293) استبانة، وكان الصالح منها للتحليل (284)؛ أي ما نسبته (94.6%) واستخدمت الدراسة برنامج التحليل الإحصائي (SPSS) معتمداً على المتوسطات الحسابية والانحدار البسيط والمتعدد في اختبار فرضيات الدراسة. وتوصلت الدراسة إلى وجود أثر إيجابي ذي دلالة إحصائية معنوية عند مستوى الدلالة (α ≤ 0.05) للخدمات المصرفية الإلكترونية بأبعادها (خدمات الصراف الآلي، والخدمات المصرفية الإلكترونية عبر الهاتف المحمول) في كفاءة المصارف الإسلامية الأردنية بأبعادها؛ (كفاءة التكلفة، وكفاءة الأرباح)، وتوصي الدراسة بتعزيز وتوسيع خدمات الصراف الآلي، وتحسين وترويج الخدمات المصرفية عبر الهاتف المحمول.
Journal Article
Covid-19's Impact on Credit Risk and Bank Profitability
Credit risk represents one of the most substantial and significant risk exposures faced by banks. This study empirically assesses the influence of credit risk on the profitability of Islamic banks and conventional banks operating in Palestine. Additionally, it seeks to determine if there is a noteworthy disparity in the impact of credit risk on the profitability of Islamic and conventional banks. The study also investigates the interactive effect of the Covid-19 pandemic on credit risk factors to ascertain whether the pandemic has affected the profitability of both types of banks. The analysis draws on data from 13 banks, encompassing 11 conventional banks and two Islamic banks, spanning the period from 2011 to 2020. Secondary data have been gathered from the Palestinian Monetary Authority (PMA), the annual financial reports of individual banks, and information available from the Association of Palestinian Banks. Furthermore, macroeconomic data have been sourced from the World Bank Data Bank. Banks' profitability is assessed using two key indicators: Return on Assets (ROA) and Return on Equity (ROE). Credit risk variables are measured through the non-performing loan ratio, loan provision to gross loans, and capital adequacy ratio. Additionally, a set of macroeconomic and micro-control variables are examined. Employing panel regression analysis, the study reveals that credit risk significantly impacts the profitability of both Islamic and conventional banks. However, this impact varies depending on the profitability measure used. While credit risk notably influences ROA, it does not significantly affect ROE. Moreover, the study discerns that the influence of credit risk on the profitability of Islamic banks differs from that of conventional banks. Furthermore, the study finds that the heightened credit risk experienced during the Covid-19 pandemic has had an insignificant impact on the profitability of both types of banks.
Journal Article
The Importance of Financial Depth, in Achieving Financial Inclusion in Algeria
The main objective of this study is to examine the data, on inclusion and financial depth in Algeria from 2004 to 2021. The aim is to understand and measure the relationship and correlation between these two variables. To achieve this, we utilized both Excel and Eviews 12 programs to test our hypotheses and discuss our findings Our study discovered that there is no impact between the credit provided to the sector and ATMs. However interestingly we did find a positive effect between the expansion of money supply and the number of ATM transactions. Specifically for every 1% increase in money supply there was an increase of 0.83% in ATM transactions. Furthermore, our research revealed that both credit provision to the sector and an expanded money supply has an influence on the number of bank branches.
Journal Article
The Mediating of Institutional Trust on Corporate Image and Customer Trust in Iraqi Banking Sector
In today's highly volatile environment, banks strive to leverage the perceptions of their multiple customers more than ever before with the aim to build a sustainable competitive advantage. Accordingly, corporate image and customer trust concepts are of vital importance for both academicians and practitioners, concerning their potential impact on internal and external stakeholders. Recognizing the intensified significance of a multi-stakeholder perspective, the current study attempts to contribute to the literature through examining the mediating role of institutional trust on the relationship between corporate image and customer trust. The study applies partial least squares structural equation modelling (PLS-SEM) method to examine this relationship. The data are collected from a total of 372 Iraqi banking customers using a random sampling technique. The finding for path-1 shows that there exists a positive and significant association between corporate image, institutional trust and trust in online banking services. Similarly, the result of path-2 also reveals a positive and significant association between institutional trust and trust in online banking services. Finally, bias corrected bootstrapping confirms that institutional trust plays a mediating role between corporate image and trust in online banking services in Iraq. This study has important theoretical and practical implications. It not only fills some of the gaps in the literature about trust in online banking services, particularly for Iraq but it also reinforces to policy makers that institutional trust is an important factor in promoting customer's trust in financial services.
Journal Article