Developing a knowledge management approach to support managing credit risk in Jordanian banks

It is becoming increasing clear that; in banks; the sharing of knowledge amongst the senior executives has not been as effective as it should have been. The lack of knowledge amongst senior executives about the level of risks taken in sub-prime lending, the resulting "toxic assets‟ and the global nature of the instruments used to spread risks is said to be the main contributing reason for the current worldwide crisis in banks. Banks in Jordan, the focus of this study, are not immune from the exposure to the risks. The banking sector in Jordan is the most important in the Jordanian national economy and has effectively contributed to improving economic development through its important role in mobilising savings and channelling them into different fields of investment. Therefore, the overall aim of this research is to propose that developing a knowledge management (KM) approach to support managing credit risk will help banks in general, and Jordanian banks in particular, in improving the process of managing credit risk. To reach the aim, several objectives have been constructed: 1. Reviewing current status of KM and its relationship with CRM 2. Developing a scale to measure KM behaviour and practices 3. Determining current KM status in Jordanian banks 4. Building a CR decision support system using internal implicit knowledge to reduce the rate of defaults. As a result of this research, a KM approach has been developed to support managing credit risk. The approach contains the following steps: identify, measure, analyse, improve, and evaluate. Using the new KM approach, the main conclusion of this research suggest that considering credit risk management and KM together gives a much stronger basis for banks to manage credit risk

Human Resource Information Systems and their Impact on Human Resource Management Strategies: A Field Study in Jordanian Commercial Banks

Purpose – The purpose of this paper is to examine the impact of  Human resource information system (HRIS) on Human Resource Management Strategies.Design/methodology/approach – The papers develops a research model based on current literature and then tests this model in (7) Jordanian Commercial Banks, selected from (13) banks. Statistics society consists of 185 persons from the higher and middle of management.Findings – The Study revealed that HRIS had a significant effect at level (P? 0.05) on Human Resource Management Strategies in Jordanian Commercial Banks.Research limitations/implications – This study could benefit from a large sample, from banks.Practical implications – The paper offers practical suggestions to the banking industry and management in general on how to manage the HRIS effects on Human Resource Management Strategies.Originality/value – This paper has tried to provide an inclusive understanding about the HRIS effects on Human Resource Management Strategies in the banking industry. Keywords: Human Resource Information Systems (HRIS), Human Resource Management Strategies, Jordanian Commercial Banks

Evaluation of the Potential Use of Waste Tires as Supplementary Fuel in Jordan Cement Industry

Although scrap tires can cause serious environmental problems, their use as an energy source in cement industry could save considerable amounts of money. The total generated scrap tires in Jordan is estimated to be 7,862,968 per year. The elemental analysis showed that 81% of waste tires was carbon and the average of the measured lower heating value was 33845 kj/kg.  Jordan has seven cement factories that produce about 14.1 million tons of cement and consume about 987000 tons of crude oil which costs about 661 million dollars. The study analyzed the use of waste tires as supplementary fuel in cement industry in Jordan. Results showed that savings could reach 6.29 million dollars if we used 20% of the generated waste tires per year in cement industry and 31.43 if the whole generated waste tires (100%) was used in cement industry.Â

Strategic Fit and its Impact on Business Continuity Management: The Mediating Role of Strategic Agility in Jordanian Commercial Banks

This study aimed to identify the impact of f strategic fit on business continuity management in Jordanian commercial banks with the mediating role of strategic agility, the study used sampling strategy by selecting an appropriate sample from the study population; the descriptive analytical approach was used, through the development of (a questionnaire) as a main tool for data collection. This study was applied to a sample of (254) managers, and multiple regression analysis and simple regression analysis were adopted. The study results indicated that there is a statistically significant impact of strategic fit with its dimensions in business continuity management in its all dimensions collectively in Jordanian commercial banks, the presence of a statistically significant effect of strategic fit in terms of its dimensions collectively in business continuity management in terms of its dimensions collectively through strategic agility as a mediating variable in Jordanian commercial banks, a number of recommendations were formulated to enhance the strategic alignment in the management of business continuity, which will be positively reflected on the strategic agility of Jordanian commercial banks. One of the most important of these is to focus on developing products and services provided to customers on a continuous and participatory basis in line with their changing needs and desires, while reducing costs as much as possible, and in proportion to the internal and external fields through research and development processes

High Density Mixed Use as an Effective Scheme in Applying Sustainable Urban Design Principles in Amman, Jordan

The study seeks to explore the implementation of sustainable urban design principles in high density mixed use developments in Amman, Jordan. It was not known how HDMU mechanism would be implemented in Amman or what prerequisites were needed to enable this to happen. Accordingly, there was a need to research and propose an implementation framework. The primary research aim is to propose a framework, consisting of a set of recommendations for the implementation of SUDP using HDMU schemes using Amman as a case study. Using existing literature, this paper will review global sustainable urban indicators as it applies to the Amman context and highlight the constraints, solutions and the planning strategy to their delivery in HDMU in selected cases. The study uses two approaches, the testing-out and exploratory approaches, adopting a mixed method approach by using comparative cases, interviews and a questionnaire survey. Context-derived data and statistics analysed together were used to explore the components of this framework. The questionnaire was also used to evaluate core findings of the research. The research’s contribution lies in devising an implementation framework which consists of a series of practical recommendations for implementing HDMU schemes and to inform the future development of the Amman. Keywords: High density mixed use (HDMU), Sustainable urban design principles (SUDP), Amman city, Urban sustainability indicators and implementation framewor

Banks responsibility in the collection of the commercial paper contract

The importance of studying this contract is to establish the legal nature of the bank’s responsibility when it fails to collect the value of the commercial paper, and to know the role and direction of the judiciary in that respect. The study relied on the element of analysis and education in a brief scientific way. The purpose of the study is to examine the legal basis for the Bank’s responsibility in the collection contract and the general provisions for this responsibility resulting for it, and to cover that responsibility in all its aspects. The study relies on the analytical method in order to achieve the purpose and objectives of the research, where the legal texts will be analyzed and practical results will be reached. In this research legal texts will be analyzed to reach scientific results, the study also reached results, including that there was no regulation from the Jordanian legislator for the collection, in addition to the overlapping of the agency and deposit contracts in the collection contract and that the bank’s responsibility towards its client is a contractual responsibility due to the nature of the relationship between them. The research recommends that the Jordanian Trade law should include special texts dealing with the collection contract, and that the judiciary be more present while evaluating the nature of the relationship and the basis of responsibility between the bank and its client, and it should be clearly stated that the bank may require the disqualification of itself from the liability resulting from collection contract

E-Government and its Impact on Knowledge Management Processes: A Case Study: Ministry of Industry and Trade in Jordan

This study aimed to identify the application of E-government and its impact on knowledge management in Ministry of  Industry and Trade in Jordan, to achieve the objectives of this study, the researchers designed a questionnaire includes (46) questions; in order to collect the primary data from the study sample which consists of (80) employees at Ministry of Industry and Trade in Jordan. After analyzing the study data and test its hypotheses, the study found a set of results, including the following: -        The presence of a statistically significant effect at a specific level (P ? 0.05) for the applications of E-government on the four processes of knowledge management (acquisition and creation of knowledge,   save and store knowledge,   share and transfer of knowledge and apply and use of knowledge) at Ministry of Industry and Trade in Jordan. It also shows the presence of a statistically significant effect at a specific level (P ? 0.05) for the sub-variables of the applications of  E-government on the processes of knowledge management at Ministry of Industry and Trade in Jordan. In the light of the study’s findings, the researchers recommended a set of recommendations as: 1-     The need to develop a specialized unit for knowledge management in the Jordanian ministries like Ministry of Industry and Trade in Jordan, in order to ensure the continuity of work efficiently and effectively. 2-     Involve the staff of the ministry in specialized courses in E-government and knowledge management in order to increase their efficiency. 3-     Emphasize the need to provide an adequate administrative and financial support to activate the processes of knowledge management at the ministry. Keywords: E-government, Knowledge Management, Ministry of Industry and Trade in Jordan.

التأويـل في اليهوديـة: أسبابـه ودوافعـه، وأثره في الفكر الديني المسيحي Interpretation in Judaism, its causes, motives, and impact on Christian religious thought

ملخص تهدف هذه الدراسة إلى بيان حقيقة التأويل في اليهودية والمسيحية من خلال توضيح نشأته، والكشف عن دوافعه وأسبابه، وبيان الأثر الذي أحدثه التأويل عند فلاسفة اليهود في الفكر المسيحي وخصوصاً القضايا الكبرى التي غيّرت اتجاه الدين المسيحي وجوهره وأهمها ما تعلق بحقيقة المسيح u، وطبيعته؛ ليظهر للقارئ الأثر الخطير الذي أحدثه التأويل في ذلك. Interpretation in Judaism, its causes, motives, and impact on Christian religious thought Abstract This study aims to clarify the truth of interpretation in Judaism and Christianity by clarifying its origins, revealing its motives and causes, and explaining the impact that interpretation has had on Jewish philosophers on Christian thought, especially the major issues that have changed the direction and essence of the Christian religion, the most important of which is related to the truth and nature of Christ, peace be upon him, to show the reader the dangerous impact. That was caused by the interpretation in it

The novel Drew a Line in the Sand for Hani Alrrahib between self-flagellation and Condemnation of the Other Reading a Model in the Political Novel

This study presents a reading in the novel “Drew a Line in the Sand”, written by the Syrian novelist Hani Al-Rrahib, a reading on two topics forming an outstanding theme in modern Arabic narration. The first deals with the impact of “Oil” in Arab life, focusing on the negative effects of Modernism. The second sheds light on the new imperialism which tries to divide the Arab world into weak and unstable states. It condemns Western behavior toward Arab nations regarding the benefit of Israel. All of this is introduced in a direct wa