Journal of Excellence for Economics and Management Research

Entrepreneurship Education as a lever for youth employment: lessons learned for Algeria through the Finnish Experience

2026-06-02T07:26:30+00:00

This study aims to analyze the Finnish experience in entrepreneurship education, as it is considered one of the most successful international models in this field, and to identify lessons that Algeria could apply to develop its own entrepreneurship education. To achieve the research objectives, a descriptive approach was adopted to describe the variables, and an analytical approach was used to analyze the current state of entrepreneurship education in Finland.

The research yielded a number of findings, the most significant of which is that the success of entrepreneurship education in Finland stems from its adoption of an integrated and comprehensive educational policy starting from elementary school, in addition to its reliance on supportive programs based on collaboration with the business sector. For Algeria to benefit from this experience, it must undertake numerous reforms in its educational curricula while ensuring the training of teachers in the field of entrepreneurship.

Artificial Intelligence versus Human Intelligence in Team Management: A Comparative Study Based on the Results of a Practical Experiment

2026-06-02T07:39:54+00:00

This study aimed to compare the effectiveness of managing work teams using artificial intelligence (AI) versus traditional human management, based on the analysis of experimental data derived from a practical experiment. The experiment evaluated the performance of design teams tasked with solving a complex engineering problem, where AI systems managed some teams, while human managers managed others. Data on performance, team cohesion, and participant evaluations of the effectiveness of management interventions were analyzed.

The results showed that teams managed by AI achieved higher and more consistent performance quality, in addition to higher levels of cohesion compared to teams managed by humans. However, participants reported that they found the interventions of human managers to be more relevant and helpful than those of AI.

The study reveals an important trade-off between the efficiency of AI in achieving objective performance and the ability of human managers to provide personalized and adaptive interventions. The findings suggest that a hybrid approach, which combines the strengths of both AI and human management, is the optimal solution for managing contemporary work teams.

The Mediating Role of Talent Development in the Relationship between Talent Attraction and Talent Retention in Research and Development Centers: A Field Study at the Solar Devices Development Unit (UDES) in Bou Ismaïl.

2026-06-02T08:03:07+00:00

The study aimed to examine the mediating role of talent development between talent attraction and talent retention in research and development centers, using the descriptive approach, targeting a sample of researchers at the Solar Devices Development Unit (UDES), estimated at (30).

The study relied on a questionnaire for data collection, and the analysis was conducted using the SmartPLS program.The study concluded that there is a moderate level of talent attraction, and high levels of talent development and talent retention. It also found that talent attraction and talent development together have predictive and adequate capability for talent retention. Talent attraction is an important factor in enhancing talent retention and is positively associated with talent development. In addition, talent development has a strong effect on talent retention and represents a complementary partial mediation between talent attraction and talent retention. The study recommends, in the context of talent management, that it should be made a priority in managing research competencies, and that it is an integrated process primarily based on talent development

Digital Transformation as a Modern Approach to Financing Startups: Opportunities and Challenges

2026-06-02T08:20:15+00:00

This study aimed to highlight the importance of digital transformation in financing startups and to examine the main opportunities and challenges in this field. The study adopted a descriptive approach with an analytical method to present and analyze various digital financing mechanisms, including crowdfunding, peer-to-peer lending, smart financing, and hybrid solutions. It also emphasized their role in enabling startups to overcome the constraints of traditional financing models by providing a flexible and inclusive digital financing framework.

The study reached several findings, the most important of which is that digital transformation plays a positive and effective role in financing startups. However, it faces several challenges, most notably legal and regulatory constraints, as well as a lack of financial literacy, which may limit its positive impac

Evaluation the effect of the service quality of higher education on the doctoral students loyalty using HedPERF measurement scale at University of El-Tarf

2026-06-02T08:32:42+00:00

The purpose of this study was to evaluate the effect of service quality of higher education on the docoral students loyalty at the University of El Tarf. The research used HEdPERF measurement scale. There were five dimensions:Non-academic aspects, Academic aspects, Reputation, Access and Program.) . The descriptive analytical was used, and questionnaire was survey using the comprehensive enumeration method. To test the hypotheses, the Statistical Package for the Social Sciences (SPSS) and appropriate statistical methods were used.

The result indicated a positive influence of the service quality of higher educations in all its dimensions on the doctoral students loyalty at the University of El Tarf. Finally, the study recommends the need to support the higher education quality strategy by building strong relationships with doctoral students, focusing on providing distinguished services that contribute to providing a stimulating educational environment and meet their needs in light of current developments.

A Econometric Study of the Impact of Digital Transformation on the Business Environment in Algeria over the Period 2000-2024

2026-06-02T08:48:47+00:00

This study aims to measure the impact of digital transformation on the business environment in Algeria over the period from 2000 to 2024, using the ARDL model. Indicators from the World Bank were used, namely: the telecommunications infrastructure index and the e-services index, as well as two other indicators: the economic freedom index and the logistics performance index.

The results of the study show the existence of both long-term and short-term equilibrium relationships between digital transformation and the business environment, which confirms the importance of digital development in enhancing and improving the business environment in order to attract investments that support economic growth and reduce dependence on the hydrocarbon sector.

The role of green innovation in reducing carbon emissions: A case study analysis of Algeria during the period 1990–2023 SAIDI Mohamed

2026-06-02T09:07:35+00:00

This study aims to analyze the impact of green innovation on carbon dioxide emissions in Algeria during the period 1990–2023 using the ARDL model, incorporating variables including research and development, trade liberalization, renewable energy, and urbanization. The results showed a significant inverse relationship between green innovation and emissions, with green innovation contributing to a 2.40% reduction in the short term and a 2.78% reduction in the long term, confirming the effectiveness of environmentally friendly technologies. Furthermore, spending on research and development significantly reduces emissions, reflecting the importance of investing in innovation. In contrast, neither trade liberalization nor renewable energy showed a significant impact, which is related to the specific characteristics of the Algerian economy and its limited reliance on clean energy. Urbanization had an insignificant impact in the short term but a positive and significant impact in the long term, indicating its role in increasing emissions

The digital transformation of the tax administration services as a mechanism for strengthen tax control in Algeria: a case study of the Blida Tax Centre using the structural equation model

2026-06-02T09:17:52+00:00

Digital transformation is one of the most important strategies employed to increase the effectiveness of tax control in countries that suffer from low ordinary taxes and an inefficient tax collection like Algeria. In this context, this research paper aims to analyze the impact of digital transformation on the effectiveness of tax control in Algeria. Given the scarcity of published statistics on the subject, we conducted a survey using a questionnaire addressed to employees and managers in charge of the tax control process in the tax center of the province of Blida. Using structural equation modeling with SmartPLS4 software, we were able to estimate the model and analyze the direct and indirect effects between the study variables. The results showed that digital transformation has a positive significant direct impact on formal tax control, but not on in-depth control. The results concluded that digital transformation has an indirect positive impact on the effectiveness of tax trough the formal tax control. Therefore, it will be better to strength the digital transformation process to include various in-depth control operations and not only the formal control of companies’ tax documents via the digital platform.

A Comparative Analytical Study of Bank Performance in Algeria According to the CAMELS Model -The National Bank of Algeria and Al Salam Bank as Model-

2026-06-02T09:30:46+00:00

This study seeks to shed light on the evaluation of the financial performance of banks in Algeria by conducting an analytical and evaluative comparison between conventional banks, represented by the National Bank of Algeria, and Islamic banks, represented by Al Salam Bank, using the CAMELS model. The study adopted the descriptive-analytical approach to diagnose the reality of the banks and identify strengths and weaknesses in the composite components of the model. This was done by collecting published financial data for the period 2020 to 2023 and then analyzing it according to the model.

The results of applying the study model revealed a noticeable variation in the level of financial stability and operational efficiency between the two banks in the research sample. The National Bank of Algeria succeeded in obtaining a composite CAMELS rating of (1), which reflects a fundamental superiority in most of the model’s components, indicating outstanding financial performance and a high capacity to withstand capital-related risks. In a related context, the results showed that Al Salam Bank received a rating of (2), which classifies the bank’s overall performance as “good.” The bank demonstrated a tangible ability to face economic challenges, with a slight weakness in liquidity that requires improvement measures to enhance the bank’s operational processes toward better financial performance in the future. The study also emphasizes the need to adopt the CAMELS model as a periodic supervisory tool for early warning, in order to ensure proactive detection of financial and administrative weaknesses in the performance of banks in Algeria by comparing actual performance with the standards set by the model. This helps in formulating a robust management strategy.

"The Impact of Organizational Justice on Knowledge Sharing: Testing the Mediating Role of Job Satisfaction A Case Study of Algeria Telecom Annaba - "

2026-06-02T09:46:28+00:00

The study aimed to highlight the impact of organizational justice on knowledge sharing, considering job satisfaction as a mediating variable, from the perspective of employees at Algeria Telecom, the study relied on both descriptive and analytical approaches, to achieve its main objective, a sample of 117 individuals was collected, and statistical methods such as regression and path analysis were used, the results showed a positive effect among the study variables, with a weak but positive indirect effect between organizational justice and knowledge sharing, The study recommends adopting fair organizational policies by promoting transparent practices in evaluation and distribution, as well as creating a work environment that supports job satisfaction, which in turn enhances knowledge sharing among employees.

The impact of public transport service quality indicators on the intention to reuse the service: A study of a sample of customers of the Setram Constantine company

2026-06-02T09:55:20+00:00

This study aims to determine the impact of transport service quality indicators on the intention to reuse Constantine tramway services. To achieve this objective, a descriptive-analytical approach was employed. A questionnaire was distributed to a sample of 216 tramway passengers, and the data were analyzed using the Statistical Package for the Social Sciences (SPSS).

The results showed a statistically significant impact of transport service quality on the intention to reuse Constantine tramway services. The indicators (service provision, information availability, timeliness, comfort, and environmental impact) all had an effect on the respondents' intention to reuse the tramway, while the indicators (accessibility, customer care, and safety) did not have a statistically significant effect. Finally, the study offered several suggestions for improving transport service quality

Energy Transition in Algeria: The Role of Natural Gas, Solar Energy, and Hydrogen in Supporting the Green Economy by 2030

2026-06-02T10:15:55+00:00

This study aims to analyze Algeria's vast potential in promoting the green economy by leveraging renewable energies, with a focus on major projects, economic opportunities, and the challenges associated with this transition. The major projects include the development of gas in the Berkine Basin, boosting gas production in the Hassi R'Mel field, the electrical interconnection between Algeria and Italy, the Southern Hydrogen Corridor, as well as solar power projects with capacities of 1000 and 2000 megawatts.

These projects offer significant opportunities to enhance sustainable economic growth and reduce dependence on fossil fuels. However, Algeria faces challenges related to the need for regulatory framework development, securing large-scale investments, and enhancing technical skills. International cooperation and the implementation of incentive policies are crucial factors for turning these challenges into opportunities that support a sustainable green economy.

Investment in prickly pear: A promising opportunity in Algeria, with reference to the Egyptian experience

2026-06-02T10:24:45+00:00

The study aimed to highlight a promising investment opportunity in Algeria within the agricultural sector, where the country has enormous potential due to its large area and climate diversity, specifically the investment in the cultivation of prickly pear, given its significant economic and health importance.

Initially, we clarified the benefits of its fruit and the great economic value of the various parts of the prickly pear, as well as the reasons that make investing in the cultivation of this plant a promising opportunity in Algeria. We also highlighted the successful Egyptian experience in this field.

The study concluded that the Algerian climate is favorable for this investment, which is explained by the success of experiences conducted by Arab countries regarding prickly pear cultivation, whose landscapes are similar to those of Algeria. Moreover, prickly pear creates numerous jobs and generates considerable income with low costs, thereby increasing the added value of this type of investment. From a health perspective, it is considered a very beneficial food for humans, as well as a raw material for the extraction of medical products. Additionally, it is a good feed for livestock and is cultivated in certain regions as a windbreak or as a barrier against sand encroachment and desertification.

Public Budgetary Decision-making between rationality Approaches and incrementalism

2026-06-02T10:35:02+00:00

The decision-making marks a crucial stage in public budgeting process. The success of the ultimate decision depends on how It is made, especially how the information in possession of the decision-maker is used. To provide answers about that, this research paper addresses the most important approaches to budgetary decision-making, that are rational approaches on the one hand, and incrementalist approach on the other hand.

The study concluded that contrary to what the pure rationality approach proposes, that is analysis of all available information, determination of all possible alternatives to select the best of them, the bounded rationality approach demonstrates that this is not possible because of the limits of human capacities that often make the decision-maker content with satisfying alternative, without seeking the optimal alternative. The multiple rationality approach adds to this the need to use both intuitive and analytical cognition for decision-making. For its part, the incrementalist approach argues that decision making is not some conscious form of pure rationality, but is a process of incrementally adjusting existing practices to establish or reestablish consensus reached through a political, power-oriented bargaining, with emphasis on the proposition that budgetary decisions are necessarily political

The effectiveness of cyber resilience in protecting academic data of university institutions in Algeria

2026-06-03T07:06:16+00:00

This study aims to explore the importance of having a digital environment characterized by cyber resilience in protecting academic data of university institutions published on websites, especially in light of increasing threats and security challenges such as hacking and cyber intrusions

To achieve the objectives of the study, the descriptive-analytical approach was adopted to address the issue. The finding syndicate that cyber resilience provides an integrated framework that includes formulating strategies in the field of cybersecurity to assess, detect early, and respond to cyber risks, as well as to recover operations in case of data breaches. It is also essential to develop policies and programs for research, development, and innovation in order to build a high level of security for IT infrastructures and networks that meet safety standards for protecting academic data in Algerian universities

Business incubators at the University of Laghouat as a mechanism for promoting a green investment culture among university students: A Study of the Opinions of a Sample of Students at the University of Laghouat

2026-06-08T07:41:46+00:00

تهدف هذه الدراسة إلى تحليل دور حاضنات الأعمال الجامعية في تعزيز الثقافة الاستثمارية الخضراء لدى الطلبة الجامعيين بالأغواط. انطلقت الدراسة من فرضية مفادها أن الحاضنات تمثل آلية مؤسساتية فعالة في نشر مفاهيم الاقتصاد الأخضر وتحفيز التوجه نحو المشاريع المستدامة. اعتمدت الدراسة المنهج الوصفي التحليلي لقياس مستوى إدماج البعد البيئي ضمن برامج التكوين والمرافقة المقدمة للطلبة، وتقييم انعكاس ذلك على توجهاتهم الاستثماري.

تشير النتائج إلى وجود أثر إيجابي لحاضنات الأعمال في تنمية الوعي الاستثماري الأخضر، غير أن درجة التأثير تبقى رهينة بمدى تخصص البرامج التكوينية، وتكاملها مع متطلبات التنمية المستدامة. وتوصي الدراسة بضرورة تعزيز المحتوى البيئي ضمن استراتيجيات الحاضنات، بما يساهم في تكوين رأس مال بشري جامعي قادر على قيادة التحول نحو الاقتصاد الأخضر.

Entrepreneurial Engagement of Students in Startup Creation: Case of the University of Bejaia

2026-06-03T07:17:43+00:00

Reflection on entrepreneurship constitutes a vast research field. The objective of this study is to contribute to the understanding of student entrepreneurship, specifically the creation of startups.

In this perspective, we first aimed to build a theoretical framework for the research. Secondly, we examined and presented the context of the study, highlighting its particularities. Finally, we conducted a survey among one hundred and eleven (111) final year students from Algerian universities.

Data collection was carried out using an exploratory quantitative approach among final year students (L3, M1, M2) from various Algerian universities using a Google Forms questionnaire, and data were analyzed using SPSS software.

The study reveals the positive impact of entrepreneurship training on the entrepreneurial intention of students, who appear to be quite favorable to the creation of startups, particularly in the fields of commerce and digitalization. However, they face significant obstacles: lack of funding, practical experience, and unawareness of supporting organizations

Analysis of the Degree of Legal Independence of the Bank of Algeria under the Monetary and Banking Law No. 23-09 Using the (CWN) Index.

2026-06-03T07:26:29+00:00

The independence of central banks is a critical topic in economics, as it reflects the degree of autonomy policymakers possess in implementing effective monetary policy. The Algerian case illustrates a banking system capable of adapting to economic fluctuations and remaining resilient in the face of crises. Using the CWN model, the independence of the Bank of Algeria is estimated at 58% under the framework of the Monetary and Banking Law No. 23-09. This level is comparable to that of central banks in other developing countries, highlighting Algeria’s progress in strengthening the institutional autonomy of its central bank and its capacity to conduct independent and credible monetary policy.

Determinants of User Trust in the National Electronic Payment System: An Empirical Study of the Edahabia System in Algeria

2026-06-03T07:43:25+00:00

This research quantifies the effect of technical reliability on Edahabia users’ trust, and then the effect of this trust on usage intention. A survey of 500 users in the Oran region, combined with transaction logs over 18 months, was analyzed using structural equation modeling. Technical reliability yields a standardized coefficient of 0.58 (p < 0.001) on trust; trust yields a coefficient of 0.68 (p < 0.001) on usage intention. Notable disparities appear according to residential area and socio-professional category. The results confirm that the system’s technical performance is the main determinant of user adoption

Financial Valuation of Artificial Intelligence Firms: A Panel Data Approach Based on the Modified Ohlson Model

2026-06-03T07:53:16+00:00

This study investigates the determinants of market valuations for Artificial Intelligence (AI) firms to determine whether the recent surge in technology stock prices reflects a behavioral speculative bubble or rational pricing of financial fundamentals. Using a Modified Ohlson Model, the research analyzes a balanced panel data sample of 30 leading U.S. AI-centric technology firms from Q1 2020 to Q4 2025. Econometric estimation via a robust Fixed Effects model reveals a paradigm shift in value relevance. Traditional accounting metrics, such as tangible Book Value Per Share (BVPS), lost statistical significance, while current Earnings Per Share (EPS) exhibited a negative valuation impact. Conversely, Research and Development (R&D) expenditures demonstrated a significant positive premium, indicating that financial markets actively reward innovation intensity and penalize short-term profit maximization.

The findings conclude that the 'AI premium' is not merely speculative noise but a rational market response to aggressive technological reinvestment. Consequently, the study recommends recalibrating traditional valuation multiples and reforming accounting standards to better capture intangible assets.

Food Security in Algeria under Wheat Import Dependence: The Role of Supplier Diversification, 2010–2026

2026-06-03T08:03:39+00:00

This paper examines whether selective import substitution can strengthen food security in Algeria under persistent dependence on cereal and wheat imports. Using a descriptive-analytical case study approach and secondary data from FAO, USDA, OEC, WITS, official reports, and recent literature for 2010–2026, the study measures import dependence and evaluates the roles of domestic production, strategic stocks, and supplier diversification.

The results show that wheat consumption increased from 8.75 million tons in 2010/11 to 11.95 million tons in 2025/26, while the wheat import dependence ratio remained high, ranging from 63.1% to 80.9%. Although domestic output improved in some seasons, cereal import requirements remained around 14.0–14.6 million tons in the most recent years. The supplier structure became less concentrated, with the share of the top three wheat suppliers falling from 94.0% in 2018 to 60.3% in 2024, while strategic storage capacity expanded. These developments improved supply resilience but did not produce a structural decline in external dependence. The paper concludes that food security in Algeria cannot rely on production expansion alone and that an effective import substitution strategy should combine productivity gains, storage capacity, logistics, and supplier diversification.

Gap Analysis of Accounting Curricula in Algerian Universities: Compliance with International Education Standards (IES) and Reform Imperatives

2026-06-03T08:19:38+00:00

This study aims to identify and analyze the critical gaps between Algerian accounting education and the global benchmarks set by the International Education Standards (IES). Conducting a systematic gap analysis of university programs from Bachelor’s to Master’s levels, we identify critical misalignments in four dimensions: (1) pedagogical-experiential disconnect; (2) technological fragmentation; (3) superficial ethics integration; and (4) assessment misalignment. Findings reveal ceremonial compliance driven by faculty capability gaps and stakeholder decoupling. The importance of this research lies in its contribution to the modernization of accounting education in Algeria and similar emerging economies, which is crucial for fostering financial transparency, attracting investment, and building a profession capable of navigating complex global challenges. We propose transformative alignment via hybrid practice studios (practitioner co-teaching), digital immersion threads (blockchain/AI integration), and competency-based e-portfolios. This research provides an evidence-based framework for accounting education reform, emphasizing technological judgment and ethical acculturation as pillars of professional readiness.

Human resources assessment in the workplace

2026-06-03T08:31:07+00:00

This article will focus on several points relating to economic results in order to provide an overview of HR performance and quality through the analysis of certain production ratios. With regard to the analysis of employment, a quantitative study will be carried out on the entire workforce and on subsets defined according to various criteria: employment status, professional category, work group, age, seniority, and qualifications. The aim is to identify any discrepancies and imbalances that may exist. Due to a lack of data, the analysis of qualifications will be limited to an overall assessment of the level of training of the workforce.

We will also look at the policies implemented, focusing mainly on how the main HR activities are managed, namely training, recruitment, and workforce management. Finally, we will provide a summary of strengths and weaknesses with recommendations

Islamic Marketing for Sustainable Tourism: A Synergy towards Responsible Travel, Case of Turkey

2026-06-03T08:48:31+00:00

This study explores the role of Islamic marketing in advancing sustainable tourism, with a focus on halal-friendly practices in Turkey. As ethical and faith-oriented travel gains global relevance, the research aims to demonstrate how Islamic principles can contribute meaningfully to responsible tourism development. A qualitative case study methodology was adopted, centred on two leading halal hotels in Turkey: “Adenya Hotel & Resort” and “Bera Alanya Hotel”. The research relied on document analysis and secondary data to understand how religious, sustainability principles and Muslim-friendly tourism are applied in practice. The results highlight a strong alignment between Islamic values and sustainable tourism objectives. Both hotels illustrate how faith-based hospitality can successfully integrate environmental awareness, ethical conduct, and religious compliance.

This includes the application of halal standards, eco-friendly operations, and recognised international certifications. These practices reflect broader patterns within the halal tourism sector, where increasing emphasis is placed on environmental responsibility alongside spiritual integrity. The study recommends the development of integrated certification frameworks that combine halal and sustainability standards. Policymakers, tourism authorities, and hotel managers are encouraged to adopt strategies that respect both religious values and ecological commitments. This approach may serve as a model for other destinations aiming to balance ethical tourism with global sustainability goals

The Role of Digital Crowdfunding Platforms in Enhancing Financial Inclusion in Arab Countries: A Case Study of Algeria and Egypt in Light of the Saudi Model

2026-06-03T09:00:27+00:00

This study aims to analyze the role of digital crowdfunding platforms in enhancing financial inclusion in Algeria and Egypt, taking the Saudi model as a benchmark for comparison in light of the rapid development of financial technology (FinTech). The study adopts a descriptive-analytical approach combined with a comparative econometric methodology using panel data for the period (2018–2024) to assess the impact of regulatory and technological variables on financial access. The findings reveal that crowdfunding has a substantial capacity to reduce financing costs; however, its effectiveness varies across the sample countries. The Saudi experience outperforms due to the maturity of regulatory frameworks, particularly regulatory sandboxes, and a higher level of digital trust. In contrast, the impact in Algeria and Egypt remains constrained by legislative gaps and weak digital financial literacy.

The study recommends adopting flexible regulatory frameworks, strengthening the governance of digital platforms, and integrating digital financial education into national policies to ensure sustainable financial inclusion

Leveraging Innovation and Technology for Sustainable Agricultural Development

2026-06-08T07:44:59+00:00

This research paper conducts a thorough evaluation of how innovation together with modern technology supports sustainable agricultural development. The research examines leading agricultural innovations and technologies to determine their impact on sustainability targets. The paper identifies the primary barriers which prevent technology adoption in developing nations and North African regions through an Algerian case study and specific examples that reflect agriculture's critical role and environmental and water challenges under climate change conditions. The paper shows how government policies together with research institutions and international organizations support this transformation. The study demonstrates that agricultural innovation leads to sustainable agricultural development which supports food security. The Algerian state demonstrates its strategy of modern agricultural technology adoption through international partnerships with foreign experts

The effectiveness of e-corporate governance in improving the quality of financial information

2026-06-03T09:19:30+00:00

The aim of this study was to fall on the reality of the application of the principles of corporate governance in Algeria, And to highlight the impact of the application of the principles of corporate governance in the activation of the quality of accounting information disclosed, The implications for users of accounting information in making their decisions.

The study focused on the extent to which degree the quality of accounting information after the adoption and application of the principles of corporate governance in the Algerian institutions, And after study shows that the adoption of Applied Corporate Governance in the organization Algerian foaming quality of accounting information (Accuracy, reliability, comparability ...) Which allows planting of trust between all dealers with a private institution investors and lenders, This has a positive impact on the ease of financing and contracting with banks and good to deal with related parties.

The National Strategy to Transforming the Reality of Financial Inclusion in Algeria: An Analytical Study in Light of Indicators

2026-06-03T13:16:08+00:00

This study aims to highlight the current state of financial inclusion in Algeria by analyzing indicators that measure the extent to which its dimensions have been realized. It sheds light on Algeria's position within the ESCWA Financial Inclusion Index 2023 relative to select countries in the Arab region. Furthermore, the study identifies the national strategy adopted to enhance financial inclusion in the country. Utilizing both descriptive and analytical methodologies.

The study concludes that the level of financial inclusion in Algeria is considerably low across both access and usage indicators of financial services. According to ESCWA Financial Inclusion Index 2023, Algeria achieved low levels across all dimensions of financial inclusion, as well as a low overall financial inclusion index score compared to other Arab countries. Additionally, while the "Digital Algeria 2030" national vision and the National Strategy for Financial Transformation 2025–2030 represent significant steps toward changing the reality of financial inclusion in Algeria, they are considered to have been adopted at a very late stage.

Value-Based Digital Marketing and Brand Loyalty: Evidence from Algerian Digital Consumers

2026-06-03T13:29:16+00:00

Brand loyalty is increasingly difficult to sustain in digitally saturated markets where consumers continuously compare competing value propositions online. This study examines how Value-Based Digital Marketing (VBDM) — combining personalized content, customer value proposition, relationship management, and data-driven optimization — generates brand loyalty among Algerian digital consumers.

The model tests three mediated pathways through Customer Trust & Transparency, Consumer-Brand Engagement, and Consumer-Based Brand Assets, with Collectivism Orientation moderating the engagement-loyalty link. A mixed-methods design combining PLS-SEM with expert interviews was applied across five Algerian digital consumer segments.

All hypotheses are confirmed: VBDM directly predicts brand loyalty, all three mediation pathways prove statistically significant, and Collectivism Orientation meaningfully moderates the engagement-loyalty relationship. The model accounts for a substantial share of variance in brand loyalty, underscoring its explanatory strength. These findings provide actionable guidance for Algerian digital brands seeking to build sustainable loyalty in a collectivist, mobile-first consumer environment.

Perceived Corporate Social Responsibility and Affective Commitment: Evidence from a Multi-Sector PLS-SEM Study of Employee Perceptions in Laghouat, Algeria

2026-06-03T13:46:55+00:00

This study examines the effect of employees’ perceived corporate social responsibility (CSR) on affective commitment in Laghouat, Algeria, while testing the mediating roles of organizational identification and job satisfaction. Drawing on Social Identity Theory, Social Exchange Theory, and Stakeholder Theory, CSR is modeled as a higher-order construct covering responsibility toward employees, customers, society/community, and the environment. Data were collected through a structured questionnaire administered to employees from five sectors: oil and gas, manufacturing, public services, agribusiness, and education/health. PLS-SEM using SmartPLS 4 was employed to assess the measurement and structural models, including mediation and sector-based multi-group analysis. Findings show that perceived CSR positively affects affective commitment, both directly and indirectly through organizational identification and job satisfaction. The model explains 51.3% of the variance in affective commitment, with reliability, validity, and predictive relevance meeting accepted thresholds. Sectoral analysis indicates a stronger CSR–commitment relationship in oil and gas and a more indirect expression in public-service-oriented sectors. The study contributes to micro-CSR literature by providing evidence from an understudied Algerian context and identifying organizational identification and job satisfaction as key mechanisms linking CSR perceptions to employees’ emotional attachment to their organization

Institutional Quality and the Investment Climate in Algeria: An Assessment of Constraints on Economic Attractiveness

2026-06-03T14:03:36+00:00

This paper analyzes the role of institutions and the business climate in enhancing investment attractiveness in Algeria, highlighting their potential contribution to economic growth and economic diversification. The main objective is to examine how institutional quality and the business environment influence the ability of the Algerian economy to attract investment and improve its economic performance.

From a theoretical perspective, the study relies on the contributions of the new institutional economics, which emphasizes the fundamental role of institutions in organizing economic activity. Through formal and informal rules that govern economic interactions, institutions help reduce uncertainty, secure transactions, and improve market efficiency. In this context, governance quality, regulatory stability, and institutional transparency are considered key determinants of the investment climate.

From an empirical perspective, the research examines the evolution of the business climate and institutional quality indicators in Algeria using international indicators related to economic governance, business creation, access to credit, and investor protection. The findings show that despite several reforms implemented in recent years, the Algerian economy still faces institutional and administrative constraints that may limit investment attractiveness.

The study also highlights the strong dependence of the Algerian economy on the hydrocarbon sector, emphasizing the need to strengthen economic diversification policies and improve the business environment. In this regard, enhancing institutional quality, simplifying administrative procedures, and improving access to financing appear to be key mechanisms for promoting productive investment and supporting sustainable economic development.