Said Aqel and Harby , " Islamic Bank Management- Recent Approach- " , "Islamic Bank Management- Recent Approach-",Vol.,No., Dar Wael, Amman, Jordan, 06/02/2009
Prof. Dr. Mouaid AI Dori , Said J. Aqel , " Financial Derivatives " , "Financial Derivatives",Vol.,No., Ithraa Publishing and Distrbution, Amman - Jordan, 01/01/2012
Said Aqel and Harby , " Insurance and Risk Management " , "Insurance and Risk Management",Vol.,No., darwael, Amman, Jordan, 03/05/2008
Said Jumah Aqel
This paper aims to examine the effects of the internal and external factors that contribute to the profitability of banks operating in Jordan and to asses the impact of the recent global financial crisis on the determinants of banks profitability over the period 2000 to 20011. The study uses a linear regression model to investigate the impact of the internal factors such as assets, loans, equity, deposits, cost as well as the external factors such as economic growth, inflation and bank concentration on major profitability indicators i.e., return on asset (ROA). The empirical results indicate that higher profit returns are associated with capital adequacy strength, credit risk management, income diversification, cost management and higher economic growth rate. The results also indicated that the decline in profitability in banks operating in Jordan was impacted by the global financial crises.
Key words: Banks, Profitability, Return on Assets, Jordan , Global Financial Crisis.
Mahmoud F. Al-Refai, Said J. Aqel, Mohammad Afaneh, " Determinants of Bank Rapid Credit Growth in Jordan " , " International Research Journal of Finance & Economics, Issue 109 May,2013",Vol.,No.109, International Research Journal of Finance & Economics, Taiwan, 05/01/2013
This paper empirically examines the determinants of bank rapid credit growth in Jordan. The study uses multivariate panel regressions model, in which the
Generalized Least Square (GLS), the Fixed Effect Model (FEM), and the Random
Effect Model (REM) on a panel data of 11 banks over the period of 2000– 2011.The
empirical findings of the study show that the capital, deposits, loan to deposit ratio and net interest income have positive effect on credit growth, while the concentration ratio has negative significant influence on the rapid credit growth supplied by
Jordanian banks. The results also show that the loan-loss provisions, size, and number of foreign banks operating in Jordan have no effect on bank rapid credit growth.Moreover, the results show that the sustainability of the credit growth in Jordan may be questionable as there are signs of rising probability of banking sector crisis in Jordan.
Key words: Credit growth, Banking Crisis, Jordan, Internal Bank Factors.
Professor Mouied Ald, " The Strategy of Interest Rate Risk Management in The Jordanian Commercial Banks By Using Interest Rate Swaps: an Empirical Study " , "Journal for Research and Scientific Studies",Vol.12,No.2 , Deanship of Postgraduate Studies & Scientific Research Al- Ahliyya Amman University , Amman,Jordan, 03/23/2008
The study examines how interest rate risks are currently managed at the Jordanian commercial banks, and explores the effect of strategy pertinent to interest rate swaps if implemented in terms of managing interest rate risks at the Jordanian commercial banks. The sample studied consists of 13 Jordanian commercial banks during the period 2000-2005. The empirical method has been used for investigating the real financial data taken from balance sheets issued by these banks. Data were analyzed, hypotheses were tested using the simple and multiple linear regressions, and paired sample T- test.
The Study concluded that implementing the modern strategy, based on using interest rate swaps, proved that it is more active, efficient and superior to the conventional strategy currently used in Jordanian commercial banks. The results indicated reduction in risks and increasing profits. The modern strategy based on using interest rate swaps has never been implemented at Jordanian commercial banks. This study has been concluded with implementing a strategy based on using interest rate swaps for managing interest rate risks at Jordanian commercial banks. The method of using these instruments has already been explained in detail in the text.
Abdual Aziz Saymeh , Harbi Ariqat, Saeid Aqel, " Higher education and scientific research of third world countries need Professional support " , "Educational",Vol.3,No.4, Science Publishing Group, NY., USA, 08/01/2014
Higher Education is the summit of the educational system, the culmination of the academic track, and
eventually the end of the formal educational ladder for all students. It is the cornerstone of the knowledge development for
the society. Institutions of higher education are the centers for policy and strategic directors for active and influential
communities. This study aims to emphasize the importance of re- structuring of university education programs to enhance
university curricula and keep pace with developments perceived by third world countries that cope with the global
challenges for the era of globalization in the field of higher education and scientific institutions and give them the ability
and efficiency to compete in the rehabilitation and development of graduates and researchers. This research is based on the
written literature in this field, as well as relevant statistical analysis in order to get to a confined strategy for the
development of the third world higher education in all stages, and is linked to the global developments as well. Researchers
found that world developments and global changes being brought about by recent world technological and the modern
means of telecommunications requires that developing countries have to strive and to develop their traditional university
systems to cope with the new market demands. Third world higher education centers need to follow the modern university
systems and modern application of educational technology, such as E-learning and distance education so as to produce
university graduates who are qualified to work and compete with their rivals in the developed countries through acquiring
the most modified skills and international experiences. The main aim of this study is to focus on the realities of third world
higher education and research, and how to be able to face all the challenges and prospects of the twenty-first century in
order to cope with the international developments and innovations. In this paper, researchers have concluded that the
quality of university education and scientific research in developing countries are affected by many factors commensurate
to commercialization, GDPs, B Ops, and population growth. Appropriate policies and academic development plans are
deemly necessary for improving the quality of higher education.
This study aims to analyze the technical efficiency of Jordanian insurance industry
by applying Data Envelopment Analysis (DEA) on28 companies during the years 2009 to
2013. The study found that the average technical efficiency during the study period was
64% while the pure technical efficiency w
The study investigates the relationship between capital flight, illicit financial flows, and economic growth in Jordan over the period 2000 - 2014. Using the World Bank Residual Model, the results show that the total illicit financial flows are JD36. 1 billion (or 16. 2% of GDP). In addition, by app