Faculty of Economics, Commercial Sciences and Management Sciences
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Item متطلبات تطبيق تكنولوجيا التأمين في الجزائر دراسة حالة: دراسة منصة My Alliance التابعة لشركة أليانس للتأمين . الفترة: من 2025 إلى 2026(جامعة غرداية, 2026-06-02) بكاير، عيسىيُعد موضوع تكنولوجيا التأمين (InsurTech) من الموضوعات الحديثة التي برزت نتيجة التطور المتسارع لتكنولوجيات الإعلام والاتصال والتحول الرقمي الذي شمل مختلف القطاعات المالية والخدمية، ومن بينها قطاع التأمين. وتهدف هذه الدراسة إلى إبراز واقع تطبيق تكنولوجيا التأمين في الجزائر من خلال توضيح المفاهيم المرتبطة بالتأمين الرقمي، وبيان الفرق بين التأمين التقليدي والتأمين الرقمي، والتعرف على أهم التقنيات الحديثة المستخدمة في هذا المجال، لاسيما الذكاء الاصطناعي، وإنترنت الأشياء، وسلسلة الكتل، بالإضافة إلى دراسة الإطار التنظيمي والقانوني المنظم لقطاع التأمين الجزائري. وانطلقت الدراسة من فرضية رئيسية مفادها أن تطبيق تكنولوجيا التأمين داخل شركات التأمين الجزائرية يتطلب توافر متطلبات تقنية وتنظيمية وبشرية تسمح بتبني الحلول الرقمية وتطوير الخدمات التأمينية. ولتحقيق أهداف الدراسة تم الاعتماد على المنهج الوصفي التحليلي في الجانب النظري، ومنهج دراسة الحالة في الجانب التطبيقي، من خلال دراسة منصة "MYALLIANCE" التابعة لشركة "ALLIANCE ASSURANCES" بالاعتماد على المقابلة كأداة رئيسية لجمع البيانات الميدانية وتحليل واقع تطبيق الخدمات الرقمية داخل الشركة. وتوصلت الدراسة إلى أن شركة أليانس للتأمينات حققت تقدماً ملموساً في مجال رقمنة خدماتها من خلال منصة "MYALLIANCE" التي أتاحت للزبائن الاطلاع على عقود التأمين ومتابعة خدماتهم إلكترونياً، وأسهمت في تحسين التواصل مع العملاء وتبسيط بعض الإجراءات الإدارية. كما بينت الدراسة أن التطبيق الحالي لتكنولوجيا التأمين في الشركة ما يزال يتركز أساساً على رقمنة الخدمات وقنوات الاتصال، في حين لا تزال التطبيقات المتقدمة لتقنيات الذكاء الاصطناعي، وإنترنت الأشياء، وسلسلة الكتل في مراحل محدودة أو غير مطبقة بالشكل الكامل داخل البيئة التأمينية الجزائرية، وذلك نتيجة جملة من التحديات المرتبطة بالبنية التحتية الرقمية، ومستوى الثقافة الرقمية، ومتطلبات الأمن السيبراني والإطار التنظيمي. كما أظهرت النتائج صحة الفرضيات المتعلقة بأهمية المتطلبات التقنية والتنظيمية والبشرية في إنجاح تطبيق تكنولوجيا التأمين، وأكدت أن منصة "MYALLIANCE" تمثل خطوة عملية نحو التحول الرقمي في قطاع التأمين الجزائري، مع الحاجة إلى تطويرها وتوسيع نطاق الخدمات والتقنيات الرقمية المتقدمة مستقبلاً. Insurance Technology (InsurTech) has emerged as one of the most significant innovations driven by the rapid advancement of information and communication technologies and the ongoing digital transformation affecting financial and service industries worldwide, including the insurance sector. This study aims to examine the current state of InsurTech implementation in Algeria by exploring the concepts of digital insurance, highlighting the differences between traditional and digital insurance, and analyzing the role of modern technologies such as artificial intelligence, the Internet of Things, and blockchain in transforming insurance activities. The study also investigates the regulatory and legal framework governing the Algerian insurance sector. The research was based on the assumption that the successful adoption of InsurTech within Algerian insurance companies depends on the availability of technical, organizational, and human requirements that facilitate digital transformation and improve insurance services. To achieve its objectives, the study employed a descriptive-analytical approach for the theoretical part and adopted a case study approach for the empirical investigation, focusing on the "MYALLIANCE" platform developed by "ALLIANCE ASSURANCES" Data were collected through interviews and an in-depth analysis of the platform's digital services. The findings indicate that ALLIANCE ASSURANCES has made significant progress in digitalizing its services through the MYALLIANCE platform, which has enhanced customer interaction, simplified administrative procedures, and improved access to insurance services. However, the study reveals that the company's digital transformation remains primarily focused on service digitalization and communication channels, while advanced InsurTech applications, particularly those based on artificial intelligence, the Internet of Things, and blockchain technologies, are still limited or not fully implemented within the Algerian insurance environment. Furthermore, the findings confirm the validity of the study's hypotheses regarding the importance of technical, organizational, and human requirements in supporting InsurTech adoption. The study concludes that the MYALLIANCE platform represents a promising step toward digital transformation in the Algerian insurance industry, although further efforts are required to expand the integration of advanced digital technologies and strengthen the supporting digital ecosystemItem وكالة غرداية BADRBADRBADRBADR دوروسائل الدفع الإلكتروني في البنوك التجارية دراسة حالة بنك الفلاحة والتنمية الريفية(جامعة غرداية, 2026) وانيل، حنان; سويلم، فاطمة الزهراءأدت ثوة ر الإتصالات والمعمومات إلى بروز ظاه ة ر العولمة المصرفية، مما دفعت بالبنوك التجارية والمؤسسات المالية إلى حتمية تطوير وتحديث وسائل الدفع عن طريق إدماج وسائل دفع جديدة تتميز بالفعالية والامان، ألا وهي" وسائل الدفع الإلكترونية." وبالتالي أصبحت البنوك تقدم خدمات مصرفية " بالصيرفة الإلكترونية "،بأشكال مختفلة تتلائم مع طبيعة العمليات والصفقاتالإلكترونية وذلك عبر عدة قنوات إلكترونية إلا أنها محاطة بالعديد من المخاطر التي تقف عائق أمام تطو رهالابد من التصدي لها ومحاربتها من أجل تنفيذ المبادلات و الصفقات الإلكترونية بفعالية و نجاحمن خلاله معرفة واقع تطبيق وسائل الدفع الإلكترونية في الج ا زئر وذلك من خلال د ا رسة تطبيقية على مستوى الوكالة البنكية بنك الفلاحة و التنمية الريفية L’évolution de la communication et de télécommunication a amener les banques et les institutions financiéres a opter pour le développement et modernisation des moyens de paiements par des opérations efficaces et rapide appeler (paiement électronique). Le volet pratique ma permet d'avoir une emple idée sur les méthodes utilisées pour les opérations des paiement électronique et ce suite a une étude de cas au niveau des services de la banque d’agriculture développement et rurale-BADR-GHARDAIA--البدر- غرداية-Item اثر تطبيقات الدفع الالكتروني على رضا العملاء من خلال جودة الخدمات كمتغير وسبط دراسة حالة بريد الجزائر (وكالة غرداية )(جامعة غرداية, 2026) أولاد مسعودغمار، زينبتهدف هذه الدراسة الى معرفة دور و أثر تطبيقات الدفع الإلكتروني على رضا الزبون من خلال تبيان دور جودة الخدمة كمتغير وسيط وللإحاطة بالموضوع تناولنا في الجانب النظري المفاهيم الأساسية للدراسة من خلال تعريف تطبيقات الدفع الإلكتروني ؛ و تحديد أبعاد جودة الخدمات ؛ومفهوم رضا الزبون .أما في الجانب التطبيقي ؛ فقد تم اجراء دراسة حالة في مؤسسة بريد الجزائر -وكالة غرداية- .وقد تم الاعتماد على المنهج الوصفي كونه الأكثر ملائمة لتحقيق أهداف الدراسة ، ولترجمة هذا المنهج ميدانيا استعملنا الاستبيان كأداة رئيسية لجمع البيانات من عينة من الزبائن ، والتي تم تحليلها ومعاجلتها احصائيا بواسطة برنامجي R و SPSS وذلك خلال الفترة الزمنية الممتدة من18افريل الى غاية 15ماي لعام 2026 وقد خلصت الدراسة الى وجود أثر إيجابي ذو دلالة إحصائية لتطبيقات الدفع الإلكتروني بأبعادها(السهولة ،كفاءة الأداء ،الثقة ،و المنفعة المدركة) في تحقيق رضا العملاء ،مؤكدة تلبيتها لمتطلبات الخدمات كدور وسيط فعال في العلاقة، دون وجود أي فروق ذات دلالة إحصائية في إجابات أفراد العينة تعزى لخصائصهم الشخصية . وفي ضوء هذه النتائج اوصت الدراسة بضرورة مواصلة الاستثمار في البنية التحتية الرقمية وتعزيز أنظمة الحماية والأمنالسيبراني، مع تكثيف الحملات التوعوية وتدريب العاملين بما يضمن تقديم خدمات دفع الكترونية سريعة، امنة، ومستدامة تلبي احتياجات العملاءThis study aims to examine the role and impact of electronic payment applications on customer satisfaction by identifying the role of service quality as a mediating variable. To provide a comprehensive understanding of the topic, the theoretical section addresses the fundamental concepts of the study by defining electronic payment applications, identifying the dimensions of service quality, and explaining the concept of customer satisfaction. In the applied section, a case study was conducted at the Algerian Post Office—Ghardaïa Branch. A descriptive approach was adopted as it was deemed most appropriate for achieving the study’s objectives. To implement this approach in the field, a questionnaire was used as the primary tool for collecting data from a sample of customers. The data were analyzed and statistically processed using R and SPSS software during the period from April 18 to May 15, 2026. The study concluded that electronic payment applications—in their various dimensions (ease of use, performance efficiency, trust, and perceived benefit)—have a statistically significant positive impact on customer satisfaction, confirming that service quality serves as an effective mediating variable in the relationship. No statistically significant differences were found in the responses of the sample participants attributable to their personal characteristics. In light of these results, the study recommends continuing to invest in digital infrastructure and strengthening cybersecurity and protection systems, while intensifying awareness campaigns and employee training to ensure the provision of fast, secure, and sustainable electronic payment services that meet customer needs.Item مساهمة الخدمات المالية الرقمية في تعزيز الشمول المالي دراسة حالة البنك الوطني الجزائري وكالة بريان بولاية غرداية - الفترة من أفريل إلى ماي 2026(جامعة غرداية, 2026) بوتسونة، عائشةهدفت هذه الد ا رسة إلى إب ا رز دور الخدمات المالية الرقمية في تعزيز الشمول المالي لدى زبائن البنك الوطني الج ا زئري وكالة بريان بولاية غرداية في الفترة من أفريل إلى ماي 2026 ، في ظل التحول الرقمي الذي يشهده القطاع البنكي، ومحاولة قياس طبيعة العلاقة بين المتغيرين ، واعتمدت الد ا رسة على المنهج ال وصفي التحليلي وأداة الاستبيان، حيث تم جمع البيانات من عينة مكونة من 35 زبونا، وتم قياس الخدمات المالية الرقمية من خلال أبعاد تشمل الدفع عبر الإنترنت، السحب عبر الص ا رف الآلي، الدفع الإلكتروني، والأمان والثقة، في حين تم قياس الشمول المالي عبر أبعاد الوصول، الاستخدام، الجودة، والثقة . وتوصلت الد ا رسة إلى وجود مستوى إيجابي مرتفع نسبيا في إد ا رك الزبائن للخدمات المالية الرقمية، إضافة إلى وجود علاقة ذات دلالة إحصائية بين الخدمات المالية الرقمية والشمول المالي، مع تأثير إيجابي واضح لهذه الخدمات على تحسين استخدام الخدمات المالية وتوسيع نطاق الاستفادة منهاThis study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial services in enhancing This study aimed to highlight the role of digital financial 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and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample approach and used a questionnaire as the main data collection tool, with sample of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four of 35 respondents. Digital financial services were measured through four dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment dimensions: online payment, ATM withdrawal operations, electronic payment transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. Financial inclusion transactions, and security trust in digital financial services. 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The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness The findings revealed a relatively high positive level of customer awareness regarregarregar regarding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically ding digital financial services. The results also showed a statistically significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, significant relationship between digital financial services and inclusion, with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and with a clear positive impact on improving the use of financial services and expanding access to thexpanding access to th expanding access to th expanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to thexpanding access to th expanding access to th em.Item أثر التحول الرقمي في إدارة الموارد البشرية في المؤسسة الاقتصادية - دراسة حالة Algèrie Tèlècom(جامعة غرداية, 2026-06-03) فنيش، يوسف إسلامهدفت هذه الدراسة إلى معرفة أثر التحول الرقمي على وظائف إدارة المووارد البشورية ا ولتعور علوى مفهووم التحوول الرقمي وأبعاده داخل المؤسسات وأيضوا دراسوة واقوع التحوول الرقموي في المؤسسوة محول الدراسوة، تحديود أهوم الفوائود الوي تحققهوا الرقمنوة في مجوال إدارة المووارد البشورية والكشوف عون أبورز الصوعوبات والعوائوق الوي تواجوه المؤسسوة في تطبيق التحول الرقمي، ومن اجل تحقيق اهدا الدراسة تم الإعتماد علوى مونه الوصوفي والمونه التحليلوي، ومون اجول الإجابوة علوى إشوكالية الوي وضوعناه لدراسوتنا قمنوا بإسوتخدام أداة الإسوتبيان، حيو قمنوا بإعوداد الإسوتبانة وقمنوا بتوزيعهوا علوى العواملن في مؤسسوة في مؤسسوة Algèrie Tèlècom وتحصولنا علوى 33 إسوتبانة قابلوة للتحليول، ومون اجول تحليول إجوابات المووظفن والعموال إسوتخدمنا بورنام التحليول الإحصوائي spss ، وتوصولنا مون خلال الى أن نجاح التحول الرقمي يحتاج إلى دعم إداري أكبر واستثمارات تقنية وبشرية أكثر فعالية ، إن مسوتوى تطبيوق التحوول الرقموي داخول المؤسسوة موا يوزال متوسووط ا إلى ضوعيف نسووبيا ، خاصوة في أبعواد التقنيوات ورقمنوة العمليوات، رغوم وجوود وعوي نسوي بأهميوة التحوول الرقموي لودى المووظفن ، ك موا توصولت الدراسوة الى مجموعوة مون التوصويات أهمهوا ضورورة تعزيوز البنيوة التحتيوة الرقميوة داخول المؤسسوة وتطووير الأنظموة والتجهيوزات التكنولوجيوة الحديثة وتكثيف برام التكوين والتدريب لفائدة الموظفن من أجل رفع مستوى الثقافة الرقمية لديهمItem أهمية التحليل المالي في الحد من مخاطر القروض دراسة حالة بنك societé général خلال 2021-2025(جامعة غرداية, 2026) فيهاخير، ثويبة; فيها خير ماريةتهدف هذه الدراسة الى معرفة دور التحليل المالي في قياس خطر القروض في البنوك التجارية، حيث تم دراسة حالة بنك" Générale Société" للفترة 2021-2025 من خلال دراسة النسب المالية المتاحة للبنك في موقعه الرسمي لتحليل وضعه المالي وقياس مدى تعرضه لخطر القروض، باستخدام مؤشرات السيولة ،التمويل ،الاستقلالية المالية والمردودية المالية لتحديد مدى قدرته على الوفاء بالتزاماته ومواجهة المخاطر المحتملة. أظهرت نتائج الدراسة أن التحليل المالي هو أداة فعالة في قياس خطر القروض، بحيث يوفر مجموعة من المؤشرات الكمية التي تساعده على تقييم الأداء المالي للبنك والكشف المبكر عن أماكن القوة والضعف، كما توصلنا إلى أن التحليل المالي يلعب دوًرا أساسًيا في دعم عملية قياس خطر القروض داخل البنوك التجارية، وإن فعاليته تزداد عندما تتوفر بيانات مالية دقيقة وشاملة تسمح بإجراء تحليل موضوعي واتخاذ قرارات الائتمانية أكثر كفاءة This study aimed to understand the role of financial analysis in measuring loan risks in commercial banks. The status of the General Central Bank for the period 2021-2025 was studied by examining the financial ratios available to the bank on its official website to analyze its financial position and measure its exposure to loan risks. This was done using liquidity, financing, financial independence, and financial performance indicators to determine the bank's ability to meet its obligations and address potential risks. The results of the study showed that financial analysis is an effective tool for measuring loan risks, as it provides a set of quantitative indicators that help evaluate the bank's financial performance and discover strengths and weaknesses early. We also concluded that financial analysis plays a fundamental role in supporting the measurement of loan risk within commercial banks, and that its effectiveness increases when accurate and comprehensive financial data are available, allowing for objective analysis and more efficient credit decision-makingItem العلاقة بين الابتكار التنظيمي واستدامة المشاريع دراسة حالة للمؤسسة الجزائرية لصناعة الأنابيب الحلزونية *ALFA PIPE*(جامعة غرداية, 2026) طرباقو، دليلة; آل سيد الشيخ، فاطمة الزهراء; بن عافو، عائشةىدفت ىذه الدراسة إلذ تقصي علاقة الابتكار التنظيمي بدختلف أبعاده )التقتٍ أو التكنولوجي، الإداري أو الذيكلي، والعمليات( واستدامة الدشاريع لدى العاملتُ للمؤسسة الجزائرية لصناعة الأنابيب الحلزونية *ALFA PIPE* بغرداية. تم الاعتماد في ىذه الدراسة في جانبها النظري على أىم الكتب الدتعلقة بدوضوع الدراسة، أما في الجانب التطبيقي تم الاعتماد على المجلات العالدية بالعربية وبعض الدراسات السابقة من مقالات ومذكرات سابقة مرتبطة بدوضوع الدراسة. حيث اعتمدنا على الدنهج الوصفي والتحليلي في وصف الظاىرة الددروسة ولجمع البيانات استخدمنا الاستبياف حيث تم توزيع 40 استبياف على أفراد العينة، وتم استًجاعها كاملة وىي قابلة للتحليل. النتائج التي توصلنا إليها من خلاؿ دراستنا ىذه تتمثل في كوف أف ىناؾ علاقة الغابية بتُ الابتكار التنظيمي واستدامة الدشاريع، وتوصلنا أيضا إلذ أنو ىناؾ فروقات ذات دلالة إحصائية لتحقيق استدامة الدشاريع لدى العاملتُ للمؤسسة الجزائرية لصناعة الأنابيب الحلزونيةThis study aimed to investigate the relationship between organizational innovation in its various dimensions (technical, administrative, structural, and operational) and project sustainability among employees of the Algerian spiral pipe manufacturing company *ALFA PIPE* in Ghardaia. This study relied, from a theoretical standpoint, on the most important books related to the subject of the study, while from an applied standpoint, it relied on scientific journals in Arabic and some previous studies from articles and previous references that preceded the connection to the subject of the study. We adopted a descriptive and analytical approach to describe the phenomenon under study. Data was collected using a questionnaire; 40 questionnaires were distributed to the sample, and all were returned and are available for analysis. The results of this study indicate a positive relationship between organizational innovation and project sustainability. Furthermore, we found statistically significant differences in achieving project sustainability among employees of the Algerian spiral pipe manufacturing company *ALFA PIPE* in Ghardaia. *ALFA PIPE* بغردايةItem أثر الاستثمار الاجنبي المباشر على ابعاد التنمية المستدامة في الجزائر دراسة قياسية للفترة(1991_2024)(جامعة غرداية, 2026) بلعربي، نجاةتهدف هذه الدراسة إلى قياس أثر الاستثمار الأجنبي المباشر على أبعاد التنمية المستدامة في الجزائر خلال الفترة (1991-2024)، بالاعتماد على المنهج الوصفي القياسي وباستخدام برنامج EViewsلمعالجة نموذجين يعالجان البُعد الاقتصادي (PIB) والبُعد الاجتماعي (TCH) وقد خلص التحليل الإحصائي إلى وجود أثر إيجابي معنوي للاستثمارات الأجنبية في تحفيز النمو الاقتصادي، مقابل محدودية مساهمتها في خفض معدلات البطالة نتيجة تركزها القطاعي. وتوصي الدراسة بتفعيل الأطر التشريعية الحديثة لتوجيه رأس المال الأجنبي نحو القطاعات الإنتاجية بما يضمن توليد This study measures the impact of foreign direct investment on sustainable development dimensions in Algeria from 1991 to 2024. Adopting a descriptive-econometric approach and utilizing EViews software, the research analyzes two separate models capturing the economic dimension (PIB) and the social dimension (TCH). The statistical analysis reveals a significant positive impact of foreign investments on stimulating economic growth, contrasted with a limited contribution to reducing unemployment rates due to sectoral concentration. Consequently, the study recommends activating modern legislative frameworks to direct foreign capital toward productive sectors, ensuring sustainable job creation and achieving balanced sustainability dimensionsفرص عمل مستدامة وتحقيق توازن أبعاد الاستدامةItem آليات بناء فريق عمل ناجح دراسة حالة_المؤسسة الجزائرية للمياه غرداية(جامعة غرداية, 2026) بوعوينة ، هناء; الدبوز، فردوستهدف هذه الدراسة إلى تحليل آليات بناء فريق عمل ناجح داخل المؤسسات؛ ولتحقيق ذلك اعتمدت على المنهج الوصفي التحليلي بإجراء دراسة حالة في المؤسسة الجزائرية للمياه (وحدة غرداية)، مستخدمة المقابلة كأداة لجمع البيانات. وخلصت الدراسة إلى أن تحديد المهام بدقة مع تفعيل التحفيز المادي والمعنوي العادل يرفع الأداء ويقضي على النزاعات، كما تبين أن استمرارية الخدمة تعتمد على نقل الخبرات بين الأجيال، وضرورة تمكين الفرق الميدانية وتفويض الصلاحيات لرؤسائها لتعزيز روح المبادرة، رغم وجود تحديات ترتبط بالظروف المناخية لولاية غرداية. وتأسيسا على ذلك، توصي الدراسة بدعم الفرق الميدانية بميزانية للتدريب على إدارة الضغوط، وتزويدهم بمنصات رقمية جغرافية تضمن التنسيق اللحظي وتحول خبراتهم إلى معرفة مشتركةThis study aims to analyze the mechanisms of building a successful work team within institutions. To achieve this purpose, the study relied on the descriptive analytical approach, where a case study was conducted at the level of the Algerienne des Eaux institution (Ghardaia Unit), relying on the interview as a tool for data collection and to manifest the reality of work teams and their challenges. This study concluded with results, most importantly that organizing work through defining tasks and distributing roles accurately, alongside utilizing material and moral motivation and the fair distribution of bonuses, contributed to raising the general performance, and transforming negative competition among workers into a promising cooperation that eliminated internal conflicts. The results also showed that the success and continuity of service in it depend on relying on inherited field training and transferring expertise between the old generation of workers and the new generation. The study also showed that the team must feel that it is a member that can decide for itself and does not just wait for dictating orders, through empowering field teams and delegating authorities to their heads to ensure speed of response and enhance the spirit of initiative among workers as partners in the solution. The study concluded that there are challenges, most notably the existence of some difficulties related to climatic conditions and their characteristics in the Ghardaia Wilaya. Based on this, our study presents a recommendation to the institution under study, which is to pay attention to supporting and developing field teams by allocating a budget to train them on stress management and group cohesion, while providing them with geographic digital platforms to ensure real-time coordination and transform their expertise into shared digital knowledge.Item دور الرقمنة في تحسين أداء إدارة الموارد البشرية دراسة ميدانية في: مركز التكوين المهني والتمهين الشهيد الجغط كربيش– القرارة(جامعة غرداية, 2026) مجلد، عبد الغني ميلود; دحو، زكريا الأمينتهدف هذه الدراسة إلى تحديد دور الرقمنة في تحسين أداء إدارة الموارد البشرية وذلك بالتطبيق على مركز التكوين المهني محل الدراسة ومن أجل الإحاطة بأبعاد الموضوع تم تقسيم البحث إلى شقين، شق نظري تمثل في ضبط الإطار المفاهيميللرقمنة والتحول الرقمي والوظائف الإدارية المتأثرة بها بالإضافة إلى تحديد ماهية ومؤشرات قياس أداء الموارد البشرية وشق تطبيقي ميداني اعتمد على المنهج الوصفي التحليلي لتشخيص واقع الظاهرة حيث تم الاعتماد على المقابلة كأداة مركزية لجمع البيانات والمعلومات الأساسية من عينة قصدية شملت مسؤولي المركز والعمال الأكثر أقدمية وخبرة والذين أخضعت إجاباتهم اللفظية لأسلوب تحليل المحتوى. ومن خلال النتائج الميدانية المتحصل عليها تبين أن تبني الآليات الرقمية بمركز التكوين المهني يساهم بشكل ملموس في تسريع وتيرة العمل الإداري والتقليص من الأخطاء الورقية التقليدية مما ينعكس إيجاباً على فاعلية أداء الموارد البشرية بعد تجاوزهم لمقاومة التغيير ورغم وجود بنية تحتية رقمية مقبولة إلا أن الدراسة كشفت عن بعض التحديات التي تقيد الاستفادة القصوى من الرقمنة وأبرزها الحاجة المستمرة للتكوين المتخصص والدعم الفني المستمر وبناءً على ذلك أوصت الدراسة بضرورة تكثيف البرامج التدريبية الموجهة لتأهيل الكوادر البشرية رقمياً والعمل على التحديث الدوري للمنظومات والبرمجيات المعتمدة لضمان استمرارية مرونة الأداء التنظيمي واستقراره وتحويل الوظيفة البشرية إلى شريك استراتيجي يدعم الأداء التنظيمي الشامل للمؤسسة. This study aims to determine the role of digitization in improving the performance of human resource management, by applying it to the vocational training center under study. In order to comprehend the dimensions of the subject, the research was divided into two parts: a theoretical part, which consisted of defining the conceptual framework of digitization, digital transformation, and the administrative functions affected by them, in addition to determining the nature and indicators for measuring human resource performance; and an empirical field part, which relied on the descriptive-analytical approach to diagnose the reality of the phenomenon, where the interview was relied upon as a central tool for collecting primary data and information from a purposive sample that included the center's officials and the most senior and experienced workers, whose verbal answers were subjected to the content analysis method. Through the obtained field results, it was found that the adoption of digital mechanisms in the vocational training center significantly contributes to accelerating the pace of administrative work and reducing traditional paper errors, which reflects positively on the effectiveness of human resource performance and the job satisfaction of workers, especially those with seniority, after they overcame resistance to technical change. Despite the existence of an acceptable digital infrastructure, the study revealed some challenges that restrict the maximum utilization of digitization, most notably the continuous need for specialized training and continuous technical support. Accordingly, the study recommended the necessity of intensifying training programs aimed at qualifying human cadres digitally, and working on the periodic updating of approved systems and software to ensure the continuity of organizational performance flexibility and stability, and to transform the human resource function into a strategic partner that supports the overall organizational performance of the institution