Journal of Excellence for Economics and Management Research

The Role of Strategic Agility in Enhancing Competitive Advantage in Palestinian Public Universities

Sameer Suleiman Aljamal, Amani Mahmoud Issa — Wed, 17 Dec 2025 00:00:00 +0000

The study aimed to identify the role of strategic agility in enhancing the competitive advantage from the perspective of employees in Palestinian public universities. The questionnaire was used as a tool to collect data, and the study followed the descriptive correlational approach. Data were collected from a stratified random sample of 263 individuals. The results indicated that the level of strategic agility was high, as was the level of competitive advantage. The results also showed that there was a statistically significant effect of strategic agility on competitive advantage, with "shared responsibility" being the most influential dimension in achieving job engagement, followed by "core capabilities," then "strategic sensitivity," and finally "clarity of vision." The study concluded with several recommendations, the most important of which are : intensifying training programs and activities that promote collaboration and teamwork among various administrative and academic staff ; integrating strategic analysis into the periodic planning processes of the university to facilitate rapid response to changes ; and focusing on continuously improving the quality of academic programs and linking them to market and societal needs.

The Impact of Organizational Leadership and Technology Strategies in Reengineering Hybrid Teaching on Improving Performance in Universities: An Exploratory Study Using Factor Analysis (EVE)

ASMA Djeddi — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to explore the impact of hybrid teaching reengineering strategies on academic performance in higher education institutions with a particular focus on the pivotal role of organizational leadership and technology as fundamental drivers of this transformation. The central research question addresses a core issue related to the effectiveness of hybrid teaching when redesigned within an advanced organizational and technological environment, relying on a quantitative methodology based on an exploratory study using factor analysis (EVE) in the Spss26 program to examine the causal relationships between variables. Data were collected from a sample of faculty members at Algerian universities.

The findings indicate a direct and positive impact of both organizational leadership and technology on the effectiveness of hybrid teaching, with their interaction contributing to the enhancement of academic performance, Organizational leadership emerged as the most influential factor. The study recommends the adoption of a comprehensive approach to reengineering hybrid teaching, one that emphasizes strengthening faculty training in digital skills and increasing investment in technological infrastructure, thereby enhancing the competitiveness of universities in the context of digital transformation.

National Policies for Economic Intelligence and their Impact on the Transformation of Algerian Cities into Smart Regions: Vision 2030

abdelghani Bentalha, Faris REKIMA — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to analyze the pivotal role of national economic intelligence policies in driving the transformation of Algerian cities toward a "smart city" model, within the framework of Algeria's Vision 2030, The importance of the topic lies in the importance of economic intelligence as a strategic tool for enhancing competitiveness and guiding sustainable urban development in the digital age, The study explores how data, information, and knowledge derived from economic intelligence systems, can contribute to formulating effective urban policies to improve quality of life, enhance economic efficiency, and provide an innovative environment for city dwellers.

The study concludes that Algeria has taken steps toward adopting economic intelligence and smart cities, However it faces challenges that require enhanced coordination between various agencies, the development of digital infrastructure, and a shift in mindset toward a culture of innovation and strategic vigilance, The study provides an in-depth insight into the challenges and opportunities available and proposes mechanisms, to enhance synergy between economic policies and smart city approaches, with a focus on the importance of good governance, technological innovation, and human capital development.

Administrative digitization and its impact on job engagement: A case study of the National Social Insurance Fund for Salaried Workers (CNAS) in Laghouat Province

hazar Mahboubi, Ahmida Farhat — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to present theoretical and applied concepts of administrative digitization and job engagement. It relied on a questionnaire (185 samples) to collect data, which was then analyzed using SPSS. The study reached a set of results, as follows: The level of implementation of administrative digitization was high, with an arithmetic mean of 3.86. The level of job engagement as a whole was also high, with an arithmetic mean of 3.58. There is also a direct relationship between administrative digitization and the dimensions of job engagement as a whole and each dimension individually. The significance of this effect is confirmed by the calculated f value.

Based on this, a number of recommendations were formulated, including: Providing applied training programs and ongoing technical support to accompany employees during and after the digital transformation process, enabling them to acquire the skills necessary to use technology effectively and feel that the organization supports them and invests in developing their capabilities; Providing digital reward and recognition systems targeting employees most engaged with the digital transformation process, to enhance motivation and establish a culture of recognition for efforts.

The Impact of Technological Innovation Evolution on the Demand Trajectory: A Case Study of Hybrid and Electric Vehicles in the Algerian Market

Abde raouf Messaoudi, kamel hachemaoui — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to analyze the impact of technological innovation on demand trends for electric and hybrid vehicles in the Algerian market. To achieve this, the descriptive-analytical method was employed, as it aligns with the nature of the subject. Data were collected through a field questionnaire administered to a sample of Algerian consumers and were subsequently analyzed using the SPSS statistical software.

The study’s findings revealed a statistically significant relationship between technological innovation and the intention to purchase electric and hybrid vehicles. The results indicate that technological advancement serves as a key driver in strengthening consumers' willingness to adopt these vehicles. Moreover, the findings highlight that purchase intention is also influenced by a range of psychological, social, behavioral, and environmental factors, such as individual attitudes, social pressure, perceived behavioral control, and environmental awareness.

Evaluating the role of FinTech in achieving financial inclusion in the Maghreb countries according to the Global Financial Inclusion Index 2025

Meriem LESBAA, Sara EDDEBOUB — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to analyze the extent to which financial technology (FinTech) contributes to enhancing financial inclusion in the Maghreb countries, based on the latest data from the Global Financial Inclusion Index 2025, in light of the increasing link between digital transformation and financial systems, which has made financial technology one of the most prominent pivotal tools for achieving financial inclusion.

The study found that financial technology in the Maghreb countries is only a contributing factor. Despite the high levels of digital empowerment (the spread of smartphones and the Internet) in Algeria, this has not translated into the expansion of financial inclusion, as the use of digital payments has been characterized by its weak level. On the other hand, although the levels of digital empowerment in Morocco and Tunisia are relatively lower than in Algeria, they have recorded relatively better results thanks to the adoption of clear national strategies in the field of electronic payment and the promotion of financial literacy. The contribution of financial technology to achieving financial inclusion calls for the need to enhance integration between digital strategies and financial policies, expand financial education programs, and direct technological innovation towards serving the most marginalized groups in a way that enhances their confidence and pushes them towards the actual use of official financial services

The Role of Green Innovation in Achieving Sustainable Development –The Successful Experience

Amani Layeb, Chahrazed Necib — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to clarify the role of green innovation in achieving sustainable development by defining the conceptual framework of green innovation and sustainable development, and by analyzing the correlation between green innovation—through its dimensions: green product, green processes, and green organizational innovation—and the dimensions of sustainable development: economic, social, and environmental. This study presents a selection of successful experiences that have adopted green practices across various fields and industries. To achieve this, we used the descriptive method, which is suitable for analyzing previous literature on the topic and for identifying the correlation between the study’s variables. The study concluded that the elements of green innovation contribute to achieving the economic, social, and environmental dimensions of sustainable development. Green innovation supports the production of environmentally friendly products that promote economic growth, and improve quality of life. It also enhances operational processes and helps regulate organizational frameworks that aim to rationalize resource and energy consumption, manage waste, and reduce operating costs

The Reality of The Readiness of Some Countries in The Middle East and North Africa in Using Artificial Intelligence During The Period 2022-2024

Rima younes — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to analyze the strategies of selected Middle Eastern and North African countries,specifically the United Arab Emirates, the Kingdom of Saudi Arabia, and the State of Kuwait in the field of artificial intelligence adoption, with reference to the Government AI Readiness Index. The importance of this research lies in its attempt to link the strategic orientations of these countries with their institutional and technological readiness, while addressing a central question: To what extent do the strategies of Middle Eastern and North African countries reflect their level of readiness in the field of artificial intelligence according to the readiness index?

The findings indicate that the United Arab Emirates is the most advanced in terms of institutional and legislative frameworks, followed by Saudi Arabia due to its large-scale investments in infrastructure and research and development, while Kuwait has, in recent years, sought to establish a clearer national strategy. The results also reveal a gap between the declared ambitions and the actual level of readiness, primarily due to challenges related to human resources and regulatory frameworks. Accordingly, the study recommends intensifying regional cooperation and developing programs for digital capacity building, in order to enhance the sustainability of AI initiatives and ensure their alignment with global readiness standards.

The public budget and réflictions for the éffectiveness of scientific résearch centers in Algeria

amar cherbali, Ahmed Dif — Wed, 17 Dec 2025 00:00:00 +0000

The world today passes with a very fast transition , and movement by invading technology for all means of life, and in order to keep with requirements of economic competition ,and sustainability it was necessary to keep pace with global situation especially in light of the development of the management of the budgets of countries , and global economic bodies , in this direction , the state has worked on the public budget in all its species , the state has worked on the public budget in all its types of all types , by seeking management in the level of implimentation of budget granted , it should be that the budgeting project ,which has led to the change of financial laws and the dévelopement of organic law18-15 of 03 september 2018 , which was submitted for concrete facilities of the effectiveness of the conduct of the various public and prevate bodies , including research centers scientific in Algeria

These public bodies have become valuable in Algeria , which are of great importance in recent years through harnessing signifiant budgets with a view to improving and developing these institutions such as some contries of the world, and these institutions have specialised and expanded academic outputs and studies on which by the state depends in developing a read map , clarifying visions and anticipating the future , as well as on technological development , and correcting the Imbalances the exist in all sectors

FabLab Manufacturing Laboratories as a Mechanism for Stimulating Innovation Among University Students and Professors – A Case Study of the Smart FabLab at Constantine 2 University

Abdelkrim ZEHIOUA — Wed, 17 Dec 2025 00:00:00 +0000

This study explores the philosophy and principles of FabLab manufacturing laboratories and their role in fostering teamwork, openness, and creativity. FabLabs provide fertile environments where innovation can flourish, giving rise to emerging enterprises that drive economic growth and sustainable development. The research focuses on analyzing the experience of the Smart FabLab at Constantine 2 –Abdelhamid Mehri University, examining its contribution to stimulating innovation among students and professors. Using a descriptive and case study approach, data were collected through an interview with the lab director and a questionnaire distributed to professors supervising student projects. Findings show that the Smart FabLab has achieved notable success despite being a recent initiative. However, improvements are needed in organizational structure, visibility, strategic planning, and community engagement, as well as in fostering broader local and international collaboration to strengthen its impact on innovation and knowledge sharing.

Reforming the Tax Assessment System in Algeria through Digital Modeling: A Case Study of the Italian Redditometro Model

Fateh Menaa — Wed, 17 Dec 2025 00:00:00 +0000

this article aims to analyze the feasibility of adapting the digital synthetic income model Redditometro, adopted in the Italian tax system and based on artificial intelligence and big data analytics, within the Algerian fiscal context. This analysis is conducted in light of the challenges posed by the limited effectiveness of the self-declaration system and the high levels of tax evasion. The study examines the technical and institutional advantages offered by the Italian model, particularly in enhancing tax audit tools and reducing the tax gap, and compares these features with the Algerian framework in terms of digital infrastructure, legal

environment, and institutional capacities.

The article proposes a roadmap for the gradual adaptation of this model, including localized pilot testing, updates to the legal and technical frameworks, and the development of multidisciplinary competencies within the tax administration. It concludes that the success of this approach depends on the establishment of an enabling institutional environment characterized by transparency, support for voluntary compliance, and reinforcement of tax equity principles.

The Integration of Social Media Marketing and Electronic Customer Relationship Management: " An Analytical Study"

Tahar Hossam Eddine Chellali, RACHID FIGHERANE — Wed, 17 Dec 2025 00:00:00 +0000

This study aimed to explore the role of social media marketing in enhancing electronic customer relationship management (e-CRM), highlighting the significant impact of these platforms in fostering e-loyalty through the activation of effective customer relationship mechanisms. The research focused on leveraging digital marketing strategies to establish strong and sustainable connections based on mutual trust.

The study adopted a descriptive-analytical approach and utilized a questionnaire as the primary tool for data collection. A random sample of 488 participants was selected, and the collected data was analyzed using the SPSS statistical software to achieve the study's objectives and derive its findings.

The results emphasized the importance of social media as a powerful tool for building long-term relationships with customers, contributing to increased trust and e-loyalty. The study provided several recommendations for enhancing the integration between social media marketing and e-CRM to achieve sustainable business development

Green human resources management practices as a tool for achieving sustainable development in the public treasury of the state of Tissemsilt

Adane abdessalem sidali — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to analyze the impact of green human resources management practices in achieving sustainable development in the public treasury of the state of Tissemsilt, by surveying employees’ opinions about the impact of these practices on the three dimensions of sustainable development (economic, environmental, and social). The importance of the research is based on the increasing need to adopt strategies. Sustainable in public institutions, where a questionnaire was adopted and distributed to a random sample of 44 workers to measure the relationship between the two main variables of the study.

The results found that there is a significant relationship between green human resources management practices and sustainable development in the institution under study, which confirms the necessity of integrating environmental dimensions into human resources strategies. The research recommends the necessity of strengthening these practices to achieve lean production and improve the level of social responsibility of the institution, in a way that contributes to achieving Long-term sustainable development.

Intellectual capital and itsrole in health crises Management - The Coronavirus (Covid-19) crisis as a model - A case study in the public hospital of beni slimane, medea province

Izzeddine Bouallaga, Ridha Behiani — Wed, 17 Dec 2025 00:00:00 +0000

This studyaimed to evaluate the availability of intellectual capital in the Public Hospital Beni Slimane Medea province, throughitsthree dimensions (human capital, structural capital and customer capital), as wellas itsrole in health crises management through the Corona virus crisis (Covid-19) as a model, where the descriptive analyticalapproachwasreliedupon and the questionnaire wasused as a tool for collecting data, by distributingit to a randomsample of employees (administrative, medical and paramedical)estimatedat 80 individuals, and processingitusing the Statistical Package for the Social Sciences (spss).

The study results indicated the actual presence of human capital within the organization, while structural capital was not found to be a clear and understandable mechanism, As for customer capital, the study sample showed neutrality and ambiguity regarding its application. Furthermore, a statistically significant positive impact of intellectual capital on the activation of health crisis management at the BeniSlimane Public Hospital in Medea Province was found during the COVID-19 pandemic.The study concluded that investing in various aspects of intellectual capital is important and necessary, given its vital role in enhancing an organization's ability to deal with and effectively manage health crises when they occur.

Assessing the role of the credit channel in transmitting monetary policy impacts to the real sector in Algeria

Samiha LAKAHEL, Youssef RAKHROUR — Wed, 17 Dec 2025 00:00:00 +0000

This study examines the role of monetary policy instruments in Algeria, with a focus on the credit channel as a transmission mechanism to the real economy. The primary objective is to examine how monetary policy shocks impact key macroeconomic variables, namely industrial production, inflation, and short-term credit, within a developing financial environment. The research hypothesizes that the credit channel constitutes the dominant pathway through which monetary impulses affect real activity. Using a Vector Autoregressive (VAR) model, the study analyses dynamic interactions among the money market rate (MMR), real exchange rate (RER), short-term credit (LSTC), consumer prices (LPCI), and industrial production (LIPI). The findings reveal that monetary policy shocks have a significant impact on real activity through the credit channel. At the same time, the exchange rate plays a secondary role, and consumer prices respond weakly due to structural rigidities. The results highlight the importance of strengthening financial intermediation to enhance the transmission efficiency of monetary policy. Policy recommendations include improving credit allocation toward productive sectors and reinforcing institutional frameworks to foster sustainable economic growth.

Determinants of Financial Performance of Listed Companies on the Algiers Stock Exchange: An Econometric Study Using Panel Data Analysis

Yacine Guettoufi — Wed, 17 Dec 2025 00:00:00 +0000

Using panel data from 2015 to 2023, this study investigates the factors that influence financial performance among businesses listed on the Algiers Stock Exchange. We examine four significant publicly traded companies: Alliance Assurances, Biopharm SPA, EGH El Aurassi, and Saidal, using Return on Assets (ROA) as the main indicator of financial performance. We examine how different firm-specific factors, such as capital structure (total debt ratio, long-term debt ratio), firm size, asset tangibility, growth rate, liquidity, and firm age, affect financial performance using panel data econometric techniques, such as pooled OLS, fixed effects, and random effects models.

The findings indicate that ROA and firm size, liquidity, and age have significant correlations, but the effects of debt structure variables are not entirely clear. Policymakers, investors, and corporate managers in Algeria and other developing economies can benefit from the findings, which also help to understand corporate financial performance in emerging African capital markets.

The Impact of Job Satisfaction on the Organizational Commitment: Evidence from Bank Employees in Setif City

Abdelhalim BOUCHELOUCHE — Wed, 17 Dec 2025 00:00:00 +0000

This study aims to examine the relationship between job satisfaction and organizational commitment among bank employees in Setif city. The research highlights the importance of these two variables in enhancing organizational performance, with particular attention to their role in strengthening employee involvement and institutional stability. The problematic addressed whether job satisfaction significantly influences organizational commitment, leading to the formulation of three hypotheses: employees demonstrate high job satisfaction; employees are strongly committed to their institutions; and job satisfaction has a positive and significant effect on organizational commitment.

Using a questionnaire distributed to bank employees and analyzed through correlation and regression techniques. Results revealed high levels of job satisfaction and organizational commitment, with financial aspects (pay and promotion opportunities) emerging as areas of medium satisfaction. The analysis showed a strong positive correlation between job satisfaction and organizational commitment, confirming that the former is a key predictor of the latter. Based on these findings, the study recommends reinforcing employee participation in decision-making, revising pay and development policies, addressing employee concerns, and conducting regular surveys to monitor satisfaction and commitment levels.

Bank Strategies in Financing Environmental Projects « An Analytical Study of First Abu Dhabi Bank and the China Development Bank »

Rachida Ben Ahmed Daho, Asma Filali — Wed, 17 Dec 2025 00:00:00 +0000

This paper examines the role of banks in financing environmental projects, with a particular focus on the strategies implemented by First Abu Dhabi Bank (FAB) and the China Development Bank (CDB). Through a combined theoretical and analytical approach, the study explores how financial institutions integrate environmental considerations into their lending policies, investment decisions, and sustainability frameworks. The findings indicate that both banks have progressively adopted green finance mechanisms—such as green loans, green bonds, and sustainability-oriented investment programs—to enhance their performance, strengthen competitiveness, and align with global sustainability objectives. Despite these advancements, several challenges continue to hinder the full integration of environmental financing, particularly in developing economies. The comparative analysis provides insights and practical lessons that may assist Algerian banks in designing effective strategies to support environmental projects and advance national sustainable development goals.

The Role of Islamic Banks in Promoting Financial Inclusion: Challenges and Opportunities

Atallah Bentireche, Abdelkader Hireche — Wed, 17 Dec 2025 00:00:00 +0000

This paper examines the multifaceted role of Islamic banks in promoting equitable financial inclusion, focusing especially on both the difficulties and prospects they encounter in supplying monetary services to underserved communities. Islamic banks, adhering to equitable Shariah principles, offer an alternative to conventional banking systems by proffering interest-free wares and emphasizing social justice, balance, and shared risk. The paper explores how Islamic banks can contribute to inclusive financing by leveraging such principled financial products as profit-and-loss participation arrangements, microcredit, and interest-free loans, notably in regions where significant portions of the population lack access to banking. Despite holding potential, Islamic banks face various impediments, including low financial health, inadequate substructure, and inconsistent regulatory systems. However, emerging opportunities like the integration of innovative technologies and utilization of Islamic social investment tools may help Islamic banks to better serve more people

ANALYSIS OF THE USE OF SOCIAL MEDIA IN THE EXTERNAL COMMUNICATION OF INSURANCE COMPANIES

Radia FERHI, Amina LEGHIMA, Ania DAHLAB — Wed, 17 Dec 2025 00:00:00 +0000

This article analyzes the use of social media in the external communication of Algerian insurance companies. It highlights how these innovative platforms have transformed professional interactions, emphasizing their essential role in increasing brand awareness and customer engagement. The study addresses the following central issue: To what extent do insurance companies leverage social media for their external communication? To answer this question, we adopted a rigorous methodology combining, on the one hand, an in-depth content analysis focusing on the frequency of publications, their nature, and the tone used, and on the other hand, a netnographic analysis. The study focuses exclusively on the interactions between insurance companies and various external stakeholders. Practical recommendations are also proposed to optimize the use of social media in the insurance sector

The determinants of stock market development: estimation by ARDL in the case of Algeria

Maroua SAHIA, Tarek OUAHABI — Wed, 17 Dec 2025 00:00:00 +0000

This empirical study analyses the factors that determine the development of the stock market in Algeria over the period 2011-2024, using the Autoregressive Distributed Lag (ARDL) model. The results show that GDP per capita has a negative and significant effect on stock market capitalization in the short term, but a positive effect in the long term. Inflation negatively impacts stock market capitalization both in the short and long term, while the real interest rate affects it negatively only in the short term. The value of traded stocks shows a negative relationship in the short term and a positive one in the long term. Furthermore, the money supply exerts a significant positive effect in the long term. These findings highlight the importance of macroeconomic factors in the dynamics of the Algerian stock market.