BANKING SECTOR EFFORTS TO CONTAINMENT/ DAMAGE LIMITATION OF COVID-19 CRISIS AS A PREDICTIVE FACTOR IN THE ABILITY TO RECOVERY OF SMES IN JORDANIAN

Objective: The research aims to identify the efforts made by the banking sector to contain the damages caused by the COVID-19 in all its aspects (situation assessment and analysis, and crisis intervention) from the banking sector employees’ perspective. The research also aims to identify the role of the banking sector's efforts in containing the COVID-19 crisis damages on predicting the ability of Jordanian SMEs to recover their activity.   Methodology: The research population consisted of two sub-populations; the first consists a cluster sample was taken from Jordanian banks branch managers, all employees in the risk departments, and employees responsible for credit operations in (Bank of Jordan and the Islamic International Arab Bank), The second subpopulation consists of all SMEs’ owners, 24,000 enterprises in the Northern, Central, and Southern regions of Jordan.   Findings: The study found that there is a positive and statistically significant impact of the banking sector's efforts to contain COVID-19 crisis damage in its dimensions (efforts to assess and analyze the situation and efforts to intervene in the crisis) on the ability of SMEs to recover their activity. The results showed that SMEs suffer from an unprecedented shock and depression in the absence of financial assistance and facilities from the banking sector.   Conclusion: The responses showed (73.33%) of project owners indicated that banks and lenders did not provide any credit facilities

THE STATUS OF THE ENVIRONMENTAL MANAGEMENT SYSTEM, ITS IMPROVEMENT ASPECTS UNDER COVID-19 CRISIS, AND ITS IMPACT ON SUSTAINABLE ENVIRONMENTAL DEVELOPMENT IN JORDAN (AN APPLIED STUDY ON MINING INDUSTRIES SECTOR)

Objective: Identify the impact of the new conditions created by Covid-19 crisis on achieving sustainable environmental development by studying the environmental management system and the impact of improving energy use, improving water use, and improving the impact of emissions in Jordanian mining industrial companies in achieving sustainable environmental development as a useful framework in the post-pandemic recovery period.   Research Design & Methods: The descriptive correlational method was used where a questionnaire. The research population consisted of specialists in of safety, environment, and occupational health in the Jordanian extractive industries and mining companies. A total of (8) companies were identified, of which the two largest companies were chosen as a cluster sample for this study: Arab Potash Company with 33 employees in safety and environment, and Jordan Phosphate Mines Company with 45 employees.   Findings: The results showed from the point of view of the workers in the Jordan Phosphate Mines Company and the Arab Potash Mines that there is a positive and statistically significant impact of improving aspects of the environmental management system in light of the Covid-19 crisis in general on sustainable environmental development by (77%).   Conclusion: The results showed from the point of view of the workers in the Jordan Phosphate Mines Company and the Arab Potash Mines that the level of improvement of the environmental management system in the field of energy use, in the field of water use, and in the field of the impact of gas emissions, ranges between medium and high level, and the results showed that there is a positive and statistically significant impact of improving aspects of the environmental management system (improving energy use, improving water use, improving the impact of gas emissions) in light of the Covid-19 crisis in general on sustainable environmental development by (77%)