http://dspace.univ-chlef.dz/handle/123456789/209 Université Hassiba Benbouali de Chlef / Faculté de Sciences Economiques , Gestion & Commerce 2026-04-14T08:49:42Z 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/123456789/2308 الدعم الموجه كآلية لترشيد الإنفاق العمومي في الجزائر على ضوء تجارب دولية زقاوي, مـرقب الموج في ترشيد الإنفاق العمومي في الجزائر، في ظل التحد�ت المالية الناتجة عن ّ تتناول هذه الدراسة دور الدعم ه استمرار نظام الدعم الشامل وضعف كفاءته في تحقيق العدالة الاجتماعية. وهتدف إلى إبراز محدودية فعالية الدعم المعمم وأثره السلبي على الميزانية العمومية، مقابل إمكانية اعتماد آليات استهداف أكثر دقة للفئات المستحقة. اعتمدت الدراسة على المنهج الوصفي التحليلي والمنهج المقارن، من خلال تحليل واقع منظومة الدعم في الجزائر خلال الفترة (2010– 2025)، والاستفادة من بعض التجارب الدولية في إصلاح الدعم. وتوصلت النتائج إلى أن الدعم الشامل ساهم في تفاقم الموج ّ الاختلالات المالية وتشوهات السوق، نتيجة ضعف الحوكمة والاستهداف. كما أكدت أن الانتقال نحو الدعم ه استراتيجي لترشيد الإنفاق العمومي، شريطة اعتماده ضمن مقاربة تدريجية مدعومة ابلرقمنة والحوكمة، بما ً خيار ا ً يشكل ا يضمن تعزيز العدالة الاجتماعية وتحقيق الاستدامة المالية 2025-01-01T00:00:00Z