http://dspace.univ-chlef.dz/handle/123456789/1 2026-04-24T18:35:17Z http://dspace.univ-chlef.dz/handle/123456789/2415 التحول الرقمي ودوره في تحسين النشاط المصرفي- دراسة حالة عينة من البنوك العاملةفي الجزائر و الكويت قرزيز, نبيلة This study is of significant importance as it underscores the relevance of digital transformation (Information and Communication Technology, digital technology, financial technology, organizational and supervisory technology, cybersecurity) in the banks sector. The study's statistical analysis, which encompasses 26 banks operating in Algeria and Kuwait, reveals that these banks are at different stages of digitalization and digital transformation. They are actively developing strategies to enhance their competitiveness and customer satisfaction. However, this journey is not without its challenges. Regulatory limitations, external environmental resistance, and internal organizational barriers pose significant hurdles. The study also highlights the need to effectively leverage the internal organizational environment and seize appropriate opportunities amidst intensified competition and the emergence of other competing frameworks. Several conclusions were drawn from the study, including the banks' efforts in both countries to adopt digital transformation technologies, leading in recent five years to developed Bank activity. Furthermore, digital transformation had a statistically significant impact on banks activity at a significance level of 0.05. Recommendations included ensuring sufficient budgetary allocations for digital transformation in banks, supporting staff with adequate training, and emphasizing the crucial role of enhancing customer satisfaction by keeping up with digital environment developments, especially regarding legal facilitations 2026-01-01T00:00:00Z http://dspace.univ-chlef.dz/handle/123456789/2414 دور دراسات الجدوى والتحليل المالي في ترشيد قرارات اإلستثمار والتمويل . دراسة تحليلية للمؤسسة االقتصادية الجزائرية بن عمار, منال This thesis aims to examine the effectiveness of employing financial analysis tools and feasibility studies in rationalizing financing and investment decisions within economic enterprises, amidst increasing financial complexities and growing risks associated with the modern economic environment. To address the various aspects of the subject, a descriptive-analytical approach was adopted by analyzing theoretical concepts related to financial analysis, feasibility studies, and financing and investment decisions. Additionally, the case study method was applied to two production companies (ECDE and ENOF) to measure the actual impact of employing these tools in practice. The study reached a fundamental conclusion that regular and integrated reliance on financial analysis tools and feasibility studies contributes significantly to the rationalization of financing and investment decisions. This is achieved by improving the accuracy of financial estimates, enhancing the ability to evaluate and select among financing and investment alternatives, and reducing the degree of uncertainty and risk. Furthermore, the results indicated that the poor efficiency of decisions in some enterprises is mainly due to the superficial or incomplete use of these tools, or reliance on traditional criteria in decision-making without basing it on in-depth financial analysis. 2026-01-01T00:00:00Z http://dspace.univ-chlef.dz/handle/123456789/2413 أثر التحرير المالي على التنويع االإقتصادي - دراسة عينة من الدول بوخاتم, صديق This study aims to measure the impact of financial liberalization policy on the economic diversification index in Algeria, the United Arab Emirates and the Kingdom of Saudi Arabia during the period (2000-2022) using descriptive and inferential statistics tools and economic measurement methods, represented by dynamic panel models (ARDL) based on EVIEWS13 STATA15 software. The results of estimating the ensemble mean (PMG) showed a significant and negative impact of the financial liberalization policy index on the economic diversification index, in addition to a positive and significant impact of foreign direct investment on the economic diversification index in the long run أطروحة مقدمة لنيل شهادة دكتوراه الطور الثالث الشعبة: العلوم الإقتصادية تخصص: اقتصاد كمي 2026-01-01T00:00:00Z http://dspace.univ-chlef.dz/handle/123456789/2412 Predictive approaches to the impact of environmental conditions on the durability of clayey soils stabilized with mineral additives. TOUALBIA, YOUSSOUF This doctoral thesis addresses a critical issue in geotechnical engineering: the impact of environmental conditions, particularly freeze–thaw cycles, on the effectiveness and long-term durability of stabilized clayey soils treated with mineral additives such as lime and fly ash. Numerous published experimental studies have demonstrated an initial improvement in unconfined compressive strength (UCS) following stabilization, but also a progressive deterioration of mechanical performance under repeated freeze–thaw exposure. However, experimental assessment remains challenging, due to the difficulty in realistically reproducing climatic conditions, precisely controlling curing parameters, and managing result variability. These limitations justify the adoption of predictive modeling approaches. In this context, two modeling approaches: a statistical regression and an ANN, were developed using literature-based experimental databases for soils stabilized with lime and fly ash. These models effectively simulate the evolution of UCS in stabilized soils subjected to environmental cycles. Parametric studies were also conducted to capture the influence of several key factors, such as the number of freeze–thaw cycles, water content, additive content, and curing duration. Results show that ANN models offer superior predictive performance and better capture of nonlinear relationships between input variables and soil strength response. By integrating diverse experimental data and leveraging the power of artificial intelligence, this work contributes to a better understanding of the long-term behavior of stabilized soils under harsh climatic conditions and provides reliable tools to support resilient geotechnical design in environmentally sensitive regions. Keywords: stabilized clayey soils; freeze–thaw cycles; mineral additives; statistical model; artificial neural network (ANN); unconfined compressive strength (UCS) THESIS Submitted for the DOCTORAL DEGREE Field: Civil Engineering Specialty: Geotechnical Engineering 2025-01-01T00:00:00Z