كلية الدراسات الاقتصادية والاجتماعية
Permanent URI for this communityhttps://repository.neelain.edu.sd/handle/123456789/5176
Browse
4 results
Search Results
Item دور الخدمات المصرفية الإلكترونية في تطور المصارف السودانية "دراسة حالة : بنك فيصل الإسلامي السوداني"(2010-2019م)(جامعة النيلين, 2021) أحمد كمال الدين عبد الرحمن عبد السلاممستخلص تناول البحث دور الخدمات المصرفية الإلكترونية في تطور المصارف السودانية دراسة حالة بنك فيصل الإسلامي السوداني خلال الفترة (2010-2019م). تمثلت مشكلة البحث في السؤال التالي: ما دور الخدمات المصرفية الإلكترونية في تطور المصارف السودانية، هدف البحث الى التعرف على مراحل تطور الخدمات المصرفية الإلكترونية في السودان، والتعرف على مدى مساهمة تعدد الخدمات المصرفية الإلكترونية في زيادة استقطاب مدخرات العملاء، افترض البحث الإفتراضات التالية: هنالك علاقة طردية بين تعدد الخدمات المصرفية الإلكترونية وحجم الإيداعات المصرفية ببنك فيصل السوداني، هنالك علاقة طردية بين إستخدام التقنية المصرفية الحديثة وتقديم الخدمات المصرفية الإلكترونية ببنك فيصل الإسلامي السوداني، اتبع البحث المنهج الوصفي التحليلي لموضوع البحث، توصل البحث الى عدة نتائج أهمها: وجود علاقة طردية بين تعدد الخدمات المصرفية الإلكترونية وزيادة القدرة على استقطاب مدخرات العملاء ببنك فيصل الإسلامي السوداني، ساهمت الخدمات المصرفية الإلكترونية في زيادة رأسمالية وأرباح بنك فيصل السوداني مما جعلة يتوسع بفروعه في العاصمة والولايات، خدمة الموبايل المصرفي ببنك فيصل السوداني ساعدت على إدارة العميل لحسابة دون الحاجة في الذهاب للبنك مما ساعد في تقليل ضغط العملاء على فروع البنك، واهم التوصيات التي توصل لها البحث هي: ضرورة ان يعمل بنك فيصل السوداني على تطوير خدماته الإلكترونية ومواكبة التقنيات التكنولوجية وتبني احدث التقنية المصرفية من اجل زيادة قدرتة التنافسية، لابد ان يعمل بنك فيصل السوداني على إزالة المعوقات التي تتعلق بتقنية المعلومات والإتصالات والشبكات بما يكفل إنسياب خدماته الإلكترونية للعملاء بكفاءة عالية، تفعيل تسويق الخدمات المصرفية الإلكترونية ببنك فيصل السوداني وتكثيف العمل الإعلامي لخدمات البنك التقنية في أوساط العملاء بالإضافة الى تفعيل العمل بخدمة نقاط البيع وتوفير شبكات متعددة للمحال التجارية. Abstract The research dealt with the role of electronic banking services in the development of Sudanese banks, a case study of the Faisal Islamic Bank of Sudan during the period from (2010-2019). The research problem was represented in the following question: What is the role of electronic banking services in the development of Sudanese banks, the aim of the research is to identify the stages of development of electronic banking services in Sudan, and to identify the extent to which the multiplicity of electronic banking services contribute to increasing the attraction of savings of customers, the research assumed the following assumptions: A direct relationship between the multiplicity of electronic banking services and the volume of bank deposits in Faisal Bank, there is a direct relationship between the use of modern banking technology and the provision of electronic banking services at Faisal Bank. Electronic banking and increasing the ability to attract customers’ savings at Faisal Bank. Electronic banking services contributed to increasing the capital and profits of Faisal Bank, which made it expand with branches in the capital and the states. The mobile banking service at Faisal Bank helped manage the customer for his account without the need to go to the bank, which helped reduce customer pressure on The bank’s branches, and the most important recommendations that the research reached are: The necessity for Faisal Bank to work on developing services Electronic banking and keeping pace with technological technologies and adopting the latest banking technology in order to increase its competitiveness. Faisal Bank must work to remove obstacles related to information technology, communications and networks in order to ensure the flow of its electronic services to customers with high efficiency, activate the marketing of electronic banking services at Faisal Bank and intensify the media work of the bank’s services Technology among customers, in addition to activating the work of point of sale service and providing multiple networks for shops.Item دور استخدام التقنيات المصرفية في تطوير المصارف السودانية دراسة تطبيقية علي عينة من المصارف بولاية البحر الأحمر الفترة 2010-2018(جامعة النيلين, 2021-01) : سمية ادم عيسي سعيدالمستخلص تهدف الدراسة إلي معرفة دور استخدام التقنية المصرفية في تطوير المصارف السودانية، حيث تمثلت مشكلة الدراسة في أن إتباع النظام التقليدي في العمليات المصرفية أدي إلي بطئها وبالتالي تدني أداء الجهاز المصرفي بصورة عامة، إضافة إلى ذلك أن عدم استخدام التقنية المصرفية يزيد من تكلفة الخدمات المصرفية والجهد المبذول للحصول على تلك الخدمات ومن هنا تأتي الحاجة إلى معرفة ما هو دور استخدام التقنية المصرفية في تطوير المصارف بولاية البحر الأحمر؟ افترضت الدراسة وجود علاقة بين استخدام التقنية المصرفية وتطوير العمل المصرفي بولاية البحر الاحمر ، واستخدمت الدراسة أداة الاستبانة لجمع البيانات ، تم استخدام المنهج الوصفي التحليلي والمنهج الإحصائي في الدراسة الميدانية لعرض وتحليل البيانات واختبار صحة الفروض . خلصت الدراسة إلي عدد من النتائج أهمها أن ارتفاع تكاليف البنية التحتية من شراء الأجهزة والتدريب والصيانة أدى إلي صعوبة تطبيق التقنية المصرفية، وأيضا استخدام التقنية المصرفية في العمل المصرفي يعمل علي جذب الكتلة النقدية الي داخل القطاع المصرفي، كما أوصى الباحث بعدد من التوصيات أهمها ضرورة استخدام التقنية المصرفية لأنها تؤدي إلى تطور العمل المصرفي بالإضافة إلى توسيع استخدام التقنية لمساعدة المصارف علي تقديم خدماتها بسهولة ويسر وتكلفة أقل. الكلمات المفتاحية:التقنية المصرفية - الخدمات المصرفية Abstract The study aims to know the role of using banking technology in the development of Sudanese banks. The problem of the study was that following the traditional system in banking operations led to a slowdown in the performance of the banking system in general. Moreover, the non-use of banking technology increases the cost of banking services and effort to obtain those services, hence the need to know what the role of using banking technology in the development of banks in the Red Sea state? The study hypotheses that there is a statistically significant between the usage of modern technology and development of banks in the Red Sea state ،And the study used the questionnaire as data collection tool in addition to the personal interviews with the specialists of the management of these banks. The descriptive analytical method and the statistical method were used in the field study to present and analyze the data and test the validity of the hypotheses. The study reached a number of results, the most important including; the high cost of infrastructure from the purchase of equipment, training and maintenance has led to the difficulty of applying banking technology, and also the use of banking technology in the work of banking leads to attract the mass of cash into the banking sector. The researcher recommended a number of recommendations, the most important including; The need to use banking technology because it leads to the development of banks in the Red Sea state in addition to the expansion of the use of technology to help banks to provide their services more easily and cost low. Key words: banking technology - banking services .Item تقويم فعالية عملية اتخاذ القرارات الأستثمارية في المصارف السودانية (دراسة مسحية على القطاع المصرفي السودانى)(2014) محمد الأمين محمود محمد عبداللهThis research aimed to identify the effectiveness of the investment decisions in the Sudanese Banks and the extent achievement of its objectives by studying the variables that may affect the effectiveness of these decisions. Where the research community included all the 37 banks operating in the Sudan, the comprehensive inventory method has been used to cover the departments related to the research subject. The researcher used the descriptive method based on the survey study in order to achieve research objectives and answering its questions, whereas the research was based on the following hypothesis: 1. There is a statistically significant relationship between the presence of a clear investment plan and the effectiveness of the investment decisions in the Sudanese banks. 2. There is a statistically significant relationship between the efficiency of the body that makes investment decision and the effectiveness of the investment decisions in the Sudanese banks. 3. There is a statistically significant relationship between the preparation of the feasibility study of the investment projects that the banks intend to enter in and the effectiveness of the investment decisions. 4. There is a statistically significant relationship between the use of the evaluation methods of the investment project and the effectiveness of the investment decisions in the Sudanese banks. 5. There is a statistically significant relationship between the availability of data & information and the effectiveness of the investment decisions in the Sudanese banks. 6. There is a statistically significant relationship between the observance of the Central Bank Guidelines in tenns of investment and the effectiveness of the investment decisions in the Sudanese banks. 7. There is a statistically significant relationship between the investment risk management and the effectiveness of the investment decisions in the Sudanese banks. 8. There is a statistically significant relationship between the presence of corporatergovemance systems in the Sudanese banks and the effectiveness of the investment decisions in the Sudanese banks. The field study results have disclosed numerous findings; the most important thereof are the followings: The investment decisions in the Sudanese banks have achieved its desired goals (Development, profitability, reserving a'ep0sit0r’s money, and achieving the social & economical objectives), the study also showed the presence of a statistically significant relationship between all the independent variablesmentioned in the hypothesis and the supplementary variable (the effectiveness of investment decisions in the Sudanese banks). The study come out with numeral- recommendations, the most important thereof are: The need to develop a clear investment plan for the Sudanese banks detennines the size of the expected amount of the investment, fields of ., K0 investment that the bank intends to enter in, as well as the bodies responsible for making investment decisions and the limits of their authority. The need for diversify the investment portfolio of the Sudanese banks, non-focusing only on a single field of investment, and taking into consideration making profits in addition to the reasonable level of risks.Item المصارف السودانية وتحديات العولمة الاقتصادية(جامعة النيلين, 2008) الصديق يوسف محمد موسىABSTRACT This study investigates the impacts of globalization economic challenges on Sudanese banks. It is an analytic and applied study that displays the Sudanese banks attitudes towards globalization challenges according to Bal, reports (1) + (2). The study takes Altadamun Islamic Bank Experiment as a sample represents Sudanese banks. It also investigates the Banking integration in Sudan wish focus on the adaptation of Sudanese Banks to meet the modem technological inventions such Electronic Banking and Electronic Banking Card. The study aims to find out the economic impacts of Bal reports (1), (2). On the Sudanese Banks, the development and establishment of Electronic Banking, the acceptance and refusal for the Electronic Banking, and evaluation of Banking Integration experiment in Sudan. The problem of this study is summarized in the Impacts of Bal Committee reports agreement (1) and (2) on the Sudanese Banks and the process of Banking Integration which was a source of disagreement among those who are responsible about the Banking Bureau. Accordingly this disagreement might lead to deficiency in Banking performance. In Chapter One, the first section defines the concept of Globalization and its characteristics, the word "Bank" semantically and as economic terminology. This section also identifies the supervisory role of the Central Bank of Sudan and the points of weakness in Sudanese Banking Bureau, and the theme of Banking electronic enterprises and their characteristics and the. expected danger from its application, and cheating crimes. In the second part of Chapter One, the researcher studies the concepts of electronic banking and its development, the rejection and acceptance options and the anticipated risks in its application. he third section investigates the globalization phenomena and the modem technological uses that have saved a lot of money and efforts and increase the incomes and improves the Banking perfomiance. For instance the Banking Card which highlighted in order to be defined and to mention the legislative opinion for its use, its establishment, its development and its types and characteristics. The researcher exemplify with the Electronic Banking service company in order to focus on the experiment of the smart Shamikh card in Sudan and its goals, schemes, service and benefits. ' In the second Chapter ( Sudanese Banks and the effects of economic globalization), the first section discusses the Sudanese Banks and he challenges Bazil Committee (l + 2). This section discusses these challenges on the level of Banking solvency, the capital adequacy, the Sudanese Banks attitude towards Bal Committee standards for capital adequacy, the concept of Bal directives (l+2) and their challenges for the lower level of capital requirements. In addition, this section identifies the credit and operational risks and the attitudes of Sudanese Banks to fulfill Bal challenges (Altadamun Bank was taken as example). The second section investigates the impacts and challenges of globalization such as Banking. Integration, the concept of the strategies, disciplines and procedures of integration, and the evaluation of Banking Integration in Sudan ( Khartoum, Blue Nile and Almashriq Banks are taken as general examples) and the integration of Muzara's and the Commercial Banks are taken as example in particular. The third section discusses the phenomenon of money laundering, its concept, its characteristics, and the legal framework and Islamic opinion for fighting it ( the money laundering law for the year 2003). n the third chapter ( The analysis of globalization economic challenges on Sudanese Banks). The first section of this chapter studies the degree of fulfillment of Sudanese Banks to Bal Committee (Tadamun Bank as example). This carried out through the analysis of Sudanese Banks Bureau performance till the end of the year 2003. In addition t that an analysis to the united Balance of the Sudanese Banks was done according to Bal standards. The second section describes the analysis and the evaluation of Banking Integration Experiment for the (Agricultural and Commercial Banks). These analysis and evaluation were done by a questionnaire that analyzed statistically, the study concluded a lot of results and recommendations, for example it urges on’ the necessity for the implementation of the Sudanese Banks modemization policy which is adopted by the Central Bank of Sudan as a response to Bal Committee reports ( 1 and 2) and following the policy of Banks Integration which was adopted by many Banks in Sudan.