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on MENA - Middle East and North Africa |
| By: | Rachid Maghniwi (UM5 - Université mohamed 5, Rabat); Mustapha Oukassi |
| Abstract: | This study examines the impact of Open Banking on the Moroccan banking system by analyzing Bank Al-Maghrib's central role in regulating and promoting this innovation. Our research employs a mixed methodology combining quantitative analysis of data collected from 24 Moroccan financial institutions (8 commercial banks, 12 Fintechs, 4 microfinance institutions) and a qualitative approach based on in-depth interviews with key industry stakeholders. Results reveal that the regulatory framework significantly influences Open Banking technology adoption (β = 0.684, p < 0.001), with a positive impact on financial inclusion (β = 0.573, p < 0.001). The study also demonstrates a significant mediating effect of technological adoption (indirect effect = 0.392, p < 0.001) and a moderating effect of institutional characteristics in this relationship. These findings contribute to existing literature by proposing an analytical model adapted to emerging markets and identifying key success factors for Open Banking implementation in the Moroccan context |
| Abstract: | Cette recherche examine l'impact de l'Open Banking sur le système bancaire marocain en analysant le rôle central de Bank Al-Maghrib dans la régulation et la promotion de cette innovation. Notre étude s'appuie sur une méthodologie mixte combinant une analyse quantitative de données collectées auprès de 24 institutions financières marocaines (8 banques commerciales, 12 Fintechs, 4 institutions de microfinance) et une approche qualitative basée sur des entretiens approfondis avec des acteurs clés du secteur. Les résultats révèlent que le cadre réglementaire influence significativement l'adoption des technologies Open Banking (β = 0.684, p < 0.001), avec un impact positif sur l'inclusion financière (β = 0.573, p < 0.001). L'étude démontre également un effet médiateur significatif de l'adoption technologique (effet indirect = 0.392, p < 0.001) et un effet modérateur des caractéristiques institutionnelles dans cette relation. Ces résultats contribuent à la littérature existante en proposant un modèle d'analyse adapté aux marchés émergents et en identifiant les facteurs clés de succès de l'implémentation de l'Open Banking dans le contexte marocain. |
| Keywords: | Banking Regulation, Financial Innovation, Open Banking, Bank Al-Maghrib, Financial Inclusion, Régulation bancaire, Inclusion financière, Innovation financière, Fintech |
| Date: | 2025–01–15 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04894412 |
| By: | Rachid Maghniwi (UM5 - Université mohamed 5, Rabat); Mustapha Oukassi (University Mohamed V, Rabat) |
| Abstract: | This research examines the relationship between the Price Earning Ratio (PER) and stock market attractiveness of banks listed on the Casablanca Stock Exchange over the period 2014- 2023. In a context where the Moroccan banking sector represents more than 30% of total market capitalization, understanding the determinants of stock market attractiveness becomes crucial for investors and regulators. Through an econometric analysis of panel data covering eight listed banks (320 observations over the period 2014-2023), our study demonstrates that the P/E ratio is a significant indicator of the stock market attractiveness of Moroccan banking securities. Empirical results reveal that a one-point increase in PER is associated with an average increase of 1.2% in trading volume and 0.8% in market value. This relationship is modulated by complementary factors such as bank size, profitability, and solvency level. The study also highlights the existence of an optimal PER threshold beyond which the effect on stock market attractiveness becomes decreasing. These findings contribute to a better understanding of valuation dynamics in the Moroccan banking sector and provide practical implications for investment strategies. |
| Abstract: | Cette recherche s'intéresse à la relation entre le Price Earning Ratio (PER) et l'attractivité boursière des banques cotées à la Bourse de Casablanca sur la période 2014-2023. Dans un contexte où le secteur bancaire marocain représente plus de 30% de la capitalisation boursière totale, la compréhension des déterminants de l'attractivité boursière devient cruciale pour les investisseurs et les régulateurs. À travers une analyse économétrique des données de panel portant sur les huit banques cotées (320 observations sur la période 2014-2023), notre étude démontre que le PER constitue un indicateur significatif de l'attractivité boursière des titres bancaires marocains. Les résultats empiriques révèlent qu'une augmentation d'un point du PER est associée à une hausse moyenne de 1, 2% du volume des transactions et de 0, 8% de la valeur boursière. Cette relation est modulée par des facteurs complémentaires tels que la taille de la banque, sa rentabilité et son niveau de solvabilité. L'étude met également en évidence l'existence d'un seuil optimal de PER au-delà duquel l'effet sur l'attractivité boursière devient décroissant. Ces résultats contribuent à une meilleure compréhension des dynamiques de valorisation dans le secteur bancaire marocain et offrent des implications pratiques pour les stratégies d'investissement. |
| Keywords: | Stock market attractiveness, Moroccan banks, Econometric analysis, Stock market, PER Attractivité boursière Banques marocaines Analyse économétrique Marché boursier PER Stock market attractiveness Moroccan banks Econometric analysis Stock market, PER, Attractivité boursière, Banques marocaines, Analyse économétrique, Marché boursier PER |
| Date: | 2025–01–31 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04862231 |
| By: | Maghniwi Rachid (UM5 - Université Mohammed V de Rabat [Agdal]); Pr Oukassi Mustapha (UM5 - Université Mohammed V de Rabat [Agdal]) |
| Abstract: | Artificial Intelligence (AI) emerges as a transformative force in a rapidly evolving banking landscape. This groundbreaking study explores the revolutionary impact of AI on managing the commercial performance of bank branches in Morocco, a market at the forefront of digital innovation. Through a rigorous empirical analysis conducted on the country's three banking giants-Attijariwafa Bank, Banque Centrale Populaire (BCP), and Bank of Africa (BMCE)-our research unveils the mechanisms by which AI is redefining the sector's commercial and operational strategies.The study draws on a representative sample of 150 bank branches, carefully selected to reflect the diversity of the Moroccan market. Our findings, of considerable scope, highlight the significant competitive advantages offered by AI: augmented decision-making, unprecedented customer personalization, and transformed operational efficiency.Beyond the numbers, this research offers a dive into the reality of the AI revolution within Moroccan bank branches. It reveals how AI, far from being a mere technological tool, is becoming a catalyst for cultural and strategic change. Our analysis uncovers Moroccan banks' unique challenges and novel opportunities in their quest for innovation and leadership in the African market. |
| Abstract: | Dans un paysage bancaire en rapide évolution, l'Intelligence Artificielle (IA) émerge comme une force transformatrice. Cette étude novatrice explore l'impact révolutionnaire de l'IA sur la gestion de la performance commerciale des agences bancaires au Maroc, un marché à l'avant-garde de l'innovation numérique. À travers une analyse empirique rigoureuse menée sur les trois géants bancaires du pays - Attijariwafa Bank, Banque Centrale Populaire (BCP) et Bank of Africa (BMCE) - notre recherche dévoile les mécanismes par lesquels l'IA redéfinit les stratégies commerciales et opérationnelles du secteur. L'étude s'appuie sur un échantillon représentatif de 150 agences bancaires, soigneusement sélectionnées pour refléter la diversité du marché marocain. Nos résultats, d'une portée considérable, mettent en lumière les avantages concurrentiels significatifs offerts par l'IA : une prise de décision augmentée, une personnalisation client sans précédent et une efficacité opérationnelle transformée. Au-delà des chiffres, cette recherche offre une plongée dans la réalité de la révolution de l'IA au sein des agences bancaires marocaines. Elle révèle comment l'IA, loin d'être un simple outil technologique, devient un catalyseur de changement culturel et stratégique. Notre analyse met au jour les défis uniques et les nouvelles opportunités auxquels font face les banques marocaines dans leur quête d'innovation et de leadership sur le marché africain. |
| Date: | 2024–12 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04894491 |
| By: | Noureddine Abdelbaki (UIT - Université Ibn Tofaïl) |
| Abstract: | Le monde a connu de profonds changements économiques, sociaux, politiques et environnementaux. Ces transformations marquées notamment par les crises économiques et les catastrophes naturelles ont impacté le développement des territoires dans l'espace et dans le temps. Des inégalités entre territoires sont observées dans de nombreux domaines différents, notamment l'économie, la démographie, l'éducation, la santé… L'objectif du développement territorial durable est d'harmoniser la croissance économique, la justice sociale et la protection de l'environnement sur le long terme. Néanmoins, devant les disparités régionales, ce problème devient particulièrement difficile. Les disparités et inégalités territoriales entre différentes régions ou au sein d'une même région résultent de nombreux facteurs et peuvent affecter la qualité de vie, les opportunités économiques et l'accès aux services publics dans ces zones. Cette communication examine les disparités territoriales en abordant les dimensions économiques, sociales, environnementales, et politiques. Elle étudie les éléments qui affectent la croissance des territoires, comme la compétitivité, l'attrait, la gestion et la durabilité. Notre intérêt pour le cas du Maroc est inhérent au fait que le développement territorial est au cœur des politiques publiques du pays, notamment à travers des stratégies comme la régionalisation avancée, la décentralisation et la mise en œuvre de projets structurants. Néanmoins, le pays fait face à des défis spécifiques, tels que les disparités entre les régions urbaines et rurales, la gestion des ressources naturelles (eau, terres agricoles) et les impacts du changement climatique. Étudier ces défis dans un cadre territorial peut apporter des pistes de réflexion sur la résilience et l'adaptation. A travers une revue de littérature se basant sur les écrits se rapportant au sujet du développement territorial ainsi que les rapports et les études officiels concernant le cas du Maroc, l'article met en lumière l'évolution historique du développement territorial au Maroc (I), la persistance des disparités territoriales en matière de déficits sociaux (II) et la nouvelle dynamique du développement territorial au Maroc (III). |
| Abstract: | Abstract : The world has experienced profound economic, social, political and environmental changes. These transformations, marked in particular by economic crises and natural disasters, have had an impact on the development of territories in space and time. Inequalities between territories are observed in many different areas, including the economy, demography, education, health... The objective of sustainable territorial development is to harmonize economic growth, social justice and environmental protection in the long term. However, given the regional disparities, this problem becomes particularly difficult. Territorial disparities and inequalities between or within different regions result from many factors and can affect the quality of life, economic opportunities and access to public services in these areas. This article examines territorial disparities by addressing economic, social, environmental and political dimensions. It studies the elements that affect the growth of territories, such as competitiveness, attractiveness, management and sustainability. Our interest in the case of Morocco is inherent in the fact that territorial development is at the heart of the country's public policies, particularly through strategies such as advanced regionalization, decentralization and the implementation of structuring projects. However, the country faces specific challenges such as disparities between urban and rural areas, natural resource management (water, agricultural land) and climate change impacts. Studying these challenges in a territorial context can provide insights into resilience and adaptation. Through a literature review based on the writings relating to the subject of territorial development as well as official reports and studies concerning the case of Morocco, the article highlights the historical evolution of territorial development in Morocco (I), the persistence of territorial disparities in terms of social deficits (II) and the new dynamics of territorial development in Morocco (III). |
| Keywords: | Territorial development Sustainable development Territorial inequalities Factors of territorial development, governance, Morocco, Territorial development, Sustainable development, Territorial inequalities, Factors of territorial development |
| Date: | 2024–12–27 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04878977 |
| By: | Amer Mohamad (Department of Banking and Finance, Eastern Mediterranean University, Famagusta, Northern Cyprus via Mersin 10, Turkey); Hatice Jenkins (Department of Banking and Finance, Eastern Mediterranean University, Famagusta, Northern Cyprus via Mersin 10, Turkey) |
| Abstract: | Corruption has long been a serious problem in most countries in the Middle East and North Africa (MENA). This research aims to investigate the impact of country-wide corruption on banks’ credit risk across 16 countries in this region over the period 2011–2019. Applying the interactive fixed effects estimation technique on a model consisting of both macro and bank-specific variables and utilizing data from 197 banks, the results show a positive significant association between corruption and banks non-performing loans (NPL). Corruption was found to have a positive relation with credit risk even in banks with high risk aversion. |
| Keywords: | MENA, non-performing, loans, transparency, International, corruption, banks |
| JEL: | G21 O53 C23 |
| Date: | 2025–01–29 |
| URL: | https://d.repec.org/n?u=RePEc:qed:dpaper:4625 |
| By: | Nur Bilge (Université de Lille, CNRS, IESEG School of Management, UMR 9221 Lille Economie Management, F-59000 Lille, France); Simone Moriconi (IESEG School of Management, Univ. Lille, CNRS, UMR 9221 - LEM - Lille Economie Management, F-59000 Lille, France, CESifo, Munich, Germany) |
| Abstract: | This paper uses data from the Turkish Household Labour Force Survey (2005–2020) to examine how Syrian refugee inflows affect gender inequality within households. Employing a shiftshare IV strategy based on the historical share of Arabic-speaking populations in Turkey in 1965, we find that increased refugee inflows are linked to greater intra-family gender inequality in households where both spouses work. Although the average effect is modest, it becomes sizeable when family dynamics are considered too. A 10% rise in refugee stock leads to a 3.85% increase in the gender productivity penalty for households with at least one child, while no effect is observed in childless families. These findings suggest that refugee migrants are closer substitutes for native female than male workers. Finally, we argue that conservative cultural norms may contribute to undermining the labor market position of native married women as the supply of migrant male workers grows. |
| Keywords: | refugees; household; inequality; local labour market |
| JEL: | D63 E24 F22 J12 J61 R23 |
| Date: | 2024–09 |
| URL: | https://d.repec.org/n?u=RePEc:ies:wpaper:e202418 |
| By: | Ilyasse Ech-Chafi (UH2MC - Université Hassan II de Casablanca = University of Hassan II Casablanca = جامعة الحسن الثاني (ar)); El Hassane Ait Ali (UH2MC - Université Hassan II de Casablanca = University of Hassan II Casablanca = جامعة الحسن الثاني (ar)) |
| Abstract: | The health of small and medium-sized business leaders is often overlooked, particularly in Morocco. These individuals, who do not have a contract of employment, run their own companies. Their health can have a considerable impact on the performance of their business, even leading to bankruptcy. Chronic stress, lack of work-life balance, overwork and financial hardship all have a significant impact on their well-being. Technological innovation plays a key role in providing tools and solutions to improve the well-being and professional efficiency of these leaders. The main objective of this article is to present a literature review aimed at defining key concepts related to health and technological innovation, identifying the main stressors contributing to burnout, and to highlight technologies that can ensure the health of SME managers. As regards the research methodology, a literature review was carried out mainly by consulting the Scopus database, as well as by conducting word-searchKey to carefully select the most recently published scientific papers and publications with a view to exploring innovative technologies that significantly contribute to improving the health of SME managers and the performance of their companies. The results from our literature review highlight several innovative technologies used to promote the health of self-employed workers while ensuring the sustainability of their businesses. These technologies include cognitive therapy, psychoeducation, WISE (Work Improvement in Small Enterprises), the Total Worker Health (TWH) programme, and teleworking and hybrid work facilitated by technological advances. Amork has also developed other projects such as the Amarok e-Health tool, an online questionnaire for managers to assess their health status, as well as psychological support for managers and the organization of seminars and conferences on occupational health. |
| Abstract: | La santé des dirigeants des petites et moyennes entreprises est souvent mise de côté, particulièrement au Maroc. Ces individus, ne disposant pas de contrat de travail, et dirigent leurs propres sociétés. Leur état de santé peut avoir un impact considérable sur les performances de leur entreprise, pouvant même conduire à la faillite. Le stress chronique, l'absence d'équilibre entre vie professionnelle et personnelle, la surcharge de travail ainsi que les difficultés financières exercent une influence significative sur leur bien-être. L'innovation technologique joue un rôle essentiel en fournissant des outils et des solutions destinés à améliorer le bien-être et l'efficacité professionnelle de ces dirigeants. L'objectif principal de cet article est de présenter une revue de littérature visant à définir les concepts clés relatifs à la santé et à l'innovation technologique, à identifier les principaux facteurs de stress contribuant à l'épuisement professionnel, et à mettre en évidence les technologies susceptibles d'assurer la santé des dirigeants de PME. En ce qui concerne la méthodologie de recherche, une étude documentaire a été effectuée en consultant principalement la base de données Scopus, ainsi qu'en menant des recherches par mots-clés afin de sélectionner rigoureusement les articles scientifiques et ouvrages récemment publiés dans le but d'explorer les technologies innovantes qui contribuent significativement à améliorer la santé des dirigeants des PME et la performance de leurs entreprises. Les résultats issus de notre analyse de littérature mettent en lumière plusieurs technologies novatrices utilisées pour favoriser la santé des travailleurs indépendants tout en garantissant la pérennité de leurs entreprises. Parmi ces technologies figurent la thérapie cognitive, la psychoéducation, la méthode WISE (Work Improvement in Small Enterprises), le programme Total Worker Health (TWH), ainsi que le télétravail et le travail hybride facilités par les avancées technologiques. L'association Amork a également conçu d'autres projets tels que l'outil Amarok e-Santé, un questionnaire en ligne permettant aux dirigeants d'évaluer leur état de santé, ainsi que l'accompagnement psychologique destiné aux dirigeants et l'organisation de séminaires et conférences portant sur la santé au travail. |
| Keywords: | Technological innovation, health of the manager, SMEs, stress factors, Morocco, Innovation technologique, santé du dirigeant, PME, facteurs de stress, Maroc |
| Date: | 2024 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04881490 |
| By: | Mouhsine Errabai Hassan Louaziz (Science de Vie et de la Santé FMP Université Med V Rabat - Faculté de médecine et de pharmacie Rabat) |
| Abstract: | Déclaration de divulgation : L'auteur n'a pas connaissance de quelconque financement qui pourrait affecter l'objectivité de cette étude. Conflit d'intérêts : L'auteur ne signale aucun conflit d'intérêts. |
| Keywords: | Activity-based costing hospital costs hospital management hospital information system, Comptabilité par activité, coûts hospitaliers, gestion hospitalière, système d’information hospitalier., hospital management, hospital information system |
| Date: | 2024–12–27 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04878073 |
| By: | Tabaqchali, Ahmed |
| Abstract: | It is asserted that Iran exercises dominance over Iraq’s economy to further its political hegemony and to circumvent the sanctions imposed on it. Three economic exchanges are almost always cited to support such assertions. Foremost is Iraq’s critical dependence on imports of Iranian electricity and gas; followed by large and growing imports of Iranian goods; and finally, the exploitation of the Central Bank of Iraq’s US dollar auction to siphon dollars. Such assertions are grounded in a Western, primarily US-led, narrative born out of the conflict with Iran, arguing that Iran was the true beneficiary, at the expense of the US, of its invasion of Iraq in 2003. As such, guiding policy decisions, often overlooking Iraq’s own political and economic dynamics, with often detrimental consequences. The US-Iranian conflict is likely to intensify under the Trump administration and the return of the maximum pressure campaign, which will likely spill over into US relations with Iraq. This piece seeks to put these three exchanges in context, arguing that Iran’s large economic footprint is a symptom of Iraq’s structural economic imbalances, and as such instead of confronting these symptoms through an ‘ideology of confrontation’, the focus should be on addressing the root causes of these imbalances. However, this requires pursuing rational policies, grounded in an understanding of the underlying economic structures. |
| JEL: | N0 |
| Date: | 2025–01–29 |
| URL: | https://d.repec.org/n?u=RePEc:ehl:lserod:127124 |
| By: | Abdulrazzak Tamim; Emma C. Smith; Bailey Palmer; Edward Miguel; Samuel Leone; Sandra V. Rozo; Sarah Stillman |
| Abstract: | Refugees require assistance for basic needs like housing but local host communities may feel excluded from that assistance, potentially affecting community relations. This study experimentally evaluates the effect of a housing assistance program for Syrian refugees in Jordan on both the recipients and their neighbors. The program offered full rental subsidies and landlord incentives for housing improvements, but saw only moderate uptake, in part due to landlord reluctance. The program improved short-run housing quality and lowered housing expenditures, but did not yield sustained economic benefits, partly due to redistribution of aid. The program unexpectedly led to a deterioration in child socio-emotional well-being, and also strained relations between Jordanian neighbors and refugees. In all, housing subsidies had limited measurable benefits for refugee well-being while worsening social cohesion, highlighting the possible need for alternative forms of aid. |
| JEL: | D22 J61 O17 |
| Date: | 2025–01 |
| URL: | https://d.repec.org/n?u=RePEc:nbr:nberwo:33408 |
| By: | Nirmine Jaber (UAE - Abdelmalek Essaadi University [Tétouan] = Université Abdelmalek Essaadi [Tétouan]); Said BALHADJ (UAE - Abdelmalek Essaadi University [Tétouan] = Université Abdelmalek Essaadi [Tétouan]) |
| Abstract: | The profusion of new information and communication technologies has profoundly altered people's relationship with work. Some perceive these technologies as work facilitators that make work less arduous and more fulfilling, while others perceive them as additional work that causes stress and burnout. The aim of this article is to study theoretically the perceived influence of professional digital technologies on the well-being and stress of individuals at work in the context of public higher education institutions in Morocco. This organizational environment, characterized by the introduction of new reforms whose main lever is digital transformation, will be the subject of our study. It should be pointed out that we have opted for a narrative literature review to analyse our study. Thus, the research question will be as follows: What are the consequences in terms of well-being and stress at work following the massive use of these professional technologies?This article highlights the importance of individual resources such as hierarchical support, the quality of interpersonal relations, and skills development when introducing these technologies, in order to reduce the inhibiting effect on well-being at work of demands such as information overload, the sense of urgency, the conflict between private and professional life, and technological uncertainty, which accentuate the feeling of ill-being of individuals in their professional environment. |
| Abstract: | Les auteurs n'ont pas connaissance de quelconque financement qui pourrait affecter l'objectivité de cette étude et ils sont responsables de tout plagiat dans cet article. Conflit d'intérêts :Les auteurs ne signalent aucun conflit d'intérêts. |
| Keywords: | Technologies d'information et de communication-Bien-être au travail-technostress-le personnel administratif JEL Classification O15-M15 Type du papier Recherche Théorique Information and communication technologies -Well-being at work-technostress-administrative staff. Classification JEL O15-M15 Paper type Theoretical Research, Technologies d'information et de communication-Bien-être au travail-technostress-le personnel administratif JEL Classification, O15-M15 Type du papier, Recherche Théorique Information and communication technologies -Well-being at work-technostress-administrative staff. Classification JEL, O15-M15 Paper type, Theoretical Research |
| Date: | 2025–01–10 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04890735 |
| By: | Ech-Chafi Ilyasse (UH2MC - Université Hassan II de Casablanca = University of Hassan II Casablanca = جامعة الحسن الثاني (ar)); El Hassane Ait Ali (UH2MC - Université Hassan II de Casablanca = University of Hassan II Casablanca = جامعة الحسن الثاني (ar)) |
| Abstract: | Moroccan SMEs represent a significant portion of the national economy, but they face economic, technological, and structural challenges. Digitization appears to be a promising solution to strengthen their resilience. However, these companies encounter major obstacles in their digital transition, making it crucial to examine its benefits and challenges. This work aims to present a narrative literature review. It will define the notion of business failure, list the main causes, show the advantages and opportunities offered by digitization, outline the challenges of integrating digitization, and present solutions to overcome these challenges. Digitization offers benefits such as improved operational efficiency, access to new markets, and enhanced decision-making. However, it also poses challenges like the lack of digital skills, high adoption costs, and data privacy issues. To meet these challenges, companies need to adopt a strategic approach, supported by public policies and training initiatives. Existing success stories could inspire companies to embrace digitization despite the obstacles. |
| Abstract: | Les PME marocaines, qui représentent une part importante de l'économie nationale, sont vulnérables face aux défis économiques, technologiques et structurels. La numérisation semble être une solution prometteuse pour renforcer leur résilience, Cependant, ces entreprises rencontrent des obstacles majeurs dans leur transition numérique, rendant crucial l'examen de ses avantages et de ses défis. Ce travail vise à présenter une revue de littérature narrative. Il définira brièvement la notion de défaillance des entreprises et énumérera les principales causes de leur faillite. Ensuite, il montrera les avantages et les opportunités offerts par la numérisation pour aider les dirigeants à assurer la pérennité et la durabilité de leurs entreprises. Enfin, il exposera les défis de l'intégration de la numérisation par les dirigeants de PME pour prévenir toute éventuelle défaillance, et présentera de certaines solutions tirées des travaux antérieurs pour surmonter ces défis. Une étude documentaire rigoureuse de la littérature existante sera menée pour contribuer à l'avancement des connaissances. En conclusion, la numérisation offre de nombreux avantages, comme une meilleure efficacité opérationnelle grâce à l'automatisation, un accès à de nouveaux marchés par les plateformes numériques et un renforcement de la prise de décision. Cependant, elle pose également des défis majeurs, tels que le manque de compétences numériques au sein des PME, les coûts élevés de son adoption et les problèmes de confidentialité des données. Pour relever ces défis, les entreprises doivent adopter une approche stratégique, soutenue par des politiques publiques favorisant la transformation numérique et des initiatives de formation. Des réussites existantes pourraient également inspirer les entreprises à franchir le pas malgré ces obstacles. |
| Keywords: | SME failure, digitalization, opportunities, challenges, Défaillance des PME, numérisation, opportunités, défis |
| Date: | 2025 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-04881551 |
| By: | Fontana Marzia |
| Abstract: | Austerity policies often prescribed as the remedy for economic crises tend to exacerbate gender inequalities as well as other inequalities. This paper asks what alternative macro-level policy responses are possible to alleviate the negative distributional effects of a crisis and build better foundations for a gender-equitable economy. It focuses on fiscal policy and considers Egypt and Kenya, two African countries with distinct gendered economic structures. |
| Date: | 2025 |
| URL: | https://d.repec.org/n?u=RePEc:aer:wpaper:5f3b9845-4b45-4c36-afaf-4a68b8074e6c |
| By: | Khlil, Brahim (Independent researcher) |
| Abstract: | This white paper delineates Mauritania’s strategic economic and social blueprint for 2024-2030, aimed at fostering sustainable growth, economic diversification, and resilience. It underscores the nation’s initiative to leverage its rich natural resources and the strategic pivot towards diversifying its economy, with special emphasis on the emerging gas sector and renewable energy ventures. Central to this strategy are pivotal initiatives such as the Tekavoul program, TAAZOUR’s comprehensive health insurance project, and SNDP’s role in bolstering the fisheries sector, each playing a crucial role in enhancing the living standards of Mauritania’s populace and steering the country towards its ambitious 2030 vision. Through these strategic endeavors, Mauritania is poised to navigate the complexities of global economic shifts, underscoring its commitment to sustainable development and prosperity. This document serves as an essential guide for stakeholders and investors looking into Mauritania’s concerted efforts towards a resilient and prosperous future. |
| Date: | 2024–03–30 |
| URL: | https://d.repec.org/n?u=RePEc:osf:africa:hgn46_v1 |
| By: | Mehmet Selman Colak; Yavuz Kilic; Huseyin Ozturk; Mehmet Emre Samci |
| Abstract: | This study employs model averaging methods to analyze the determinants of non-performing loans (NPLs) in the Turkish banking sector. The characteristic drivers of NPL are examined separately for different loan types categorized by customer segments (consumer loans, corporate loans, SME loans, mortgage loans, credit cards, general purpose loans, vehicle loans) and sectors (manufacturing, agriculture, construction etc.). Our results confirm that asset quality, proxied by NPL ratio of different loan segments, and economic sectors present unique relations with macroeconomic and banking variables. We conclude that customized risk management practices may bring significant benefits given that credit risk in different subcomponents of the economy responds to macroeconomic and banking variables differently. |
| Keywords: | NPL ratio, Loan segments, Emerging economies |
| JEL: | E58 G10 G20 |
| Date: | 2025 |
| URL: | https://d.repec.org/n?u=RePEc:tcb:wpaper:2504 |
| By: | Diab, Osama |
| Abstract: | By emphasising the role of historical contingency in determining the losers and winners of economic interaction, the article argues that barter terms of trade (BTT) evolution is key to understanding central phenomena of the modern capitalist era apart from Weberian and Sombartian culturalist interpretations. By examining BTT data between Egypt and Britain in the long 19th century, the article demonstrates how it was a rational choice by an independent economy to commit to a 'peripheral' comparative advantage as future value evolution could not have been predicted at the onset of such commitment. Relying on previously unpublished archival records, the article also explores the role of empire and political power in determining supply and demand and hence value evolution, challenging neoclassical assumptions about the central role of consumer choice in influencing supply, demand and commodity value. The article argues that the BTT evolution is key to understanding two central phenomena of the modern capitalist era away from Weberian- and Sombartian-style culturalist interpretations. First is the growing uneven development–known as the Great Divergence–between the 'core' and the 'periphery' of the global economic system, and second is the rise of anti-colonial sentiments and policies in the Global South. |
| Date: | 2023–06–20 |
| URL: | https://d.repec.org/n?u=RePEc:osf:africa:g69ed_v1 |