{"id":18222,"date":"2026-10-30T11:34:27","date_gmt":"2026-10-30T11:34:27","guid":{"rendered":"https:\/\/www.hnjournal.net\/7-11-24\/"},"modified":"2026-10-30T18:06:50","modified_gmt":"2026-10-30T18:06:50","slug":"7-11-24","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/ar\/7-11-24\/","title":{"rendered":"Article 24"},"content":{"rendered":"<div class=\"journal-article\" style=\"margin-bottom: 20px;\"><h3 style='text-align: right; font-family:Simplified Arabic;'>\u0623\u062b\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629<\/h3><p style='text-align:right; font-weight:bold; direction:rtl;'>\u0645. \u0645. \u0639\u062f\u0646\u0627\u0646 \u0646\u0639\u0645\u0647 \u062e\u0636\u0631 \u0646\u0648\u0631<sup>1<\/sup><\/p><div style='direction:rtl; text-align:right; font-size:12px; line-height:1.5;'><p><sup>1<\/sup> \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u062a\u0631\u0628\u064a\u0629 \u0645\u062d\u0627\u0641\u0638\u0629 \u0627\u0644\u0628\u0635\u0631\u0629\u060c \u0627\u0644\u0639\u0631\u0627\u0642.<\/p><p>\u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a: Fadakfatima@ymail.com<\/p><\/div><h4 style='text-align:left; direction:ltr; unicode-bidi:embed; font-family:Times New Roman;'>The Impact of Digital Transformation on the Use of Financial Technology: An Analytical Study in the Basra Education Directorate<\/h4><p style='text-align:left; font-weight:bold; direction:ltr; margin-top:12px;'>Adnan Neama Khudair Noor<sup>1<\/sup><\/p><div style='direction:ltr; text-align:left; font-size:12px; line-height:1.7; margin-bottom:10px;'><p style='margin:0 0 8px 0;'><sup>1<\/sup> General Directorate of Education in Basra Governorate, Iraq.<\/p><p style='margin:0 0 8px 0;'>E-mail: Fadakfatima@ymail.com<\/p><\/div><p style='text-align:left;'><strong>DOI:<\/strong> <a href='https:\/\/doi.org\/https:\/\/doi.org\/10.53796\/hnsj711\/24' target='_blank' rel='noopener'>https:\/\/doi.org\/10.53796\/hnsj711\/24<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u0639\u0631\u0641 \u0627\u0644\u0639\u0644\u0645\u064a \u0627\u0644\u0639\u0631\u0628\u064a \u0644\u0644\u0623\u0628\u062d\u0627\u062b:<\/strong> <a href='https:\/\/arsri.org\/10000\/711\/24' target='_blank' rel='noopener'>https:\/\/arsri.org\/10000\/711\/24<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u062c\u0644\u062f (7) \u0627\u0644\u0639\u062f\u062f (11). \u0627\u0644\u0635\u0641\u062d\u0627\u062a:<\/strong> 434 - 460<\/p><p style='text-align: right;'><strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u0642\u0628\u0627\u0644:<\/strong> 2026-10-10 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0642\u0628\u0648\u0644:<\/strong> 2026-10-17 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0646\u0634\u0631:<\/strong> 2026-11-01<\/p><p><a href='\/volume7\/issue11\/7-11-24.pdf' target='_blank' rel='noopener' style='background-color:green;color:white;padding:10px 15px;text-decoration:none;border-radius:5px;'>Download PDF<\/a><\/p>\r\n<style>\r\n.hnsj-cite-btn{\r\n  display:inline-flex; 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N. K. (2026). The Impact of Digital Transformation on the Use of Financial Technology: An Analytical Study in the Basra Education Directorate. Humanities &amp; Natural Sciences Journal, 7(11). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;,&quot;Chicago&quot;:&quot;Noor Adnan Neama Khudair. 2026. \\&quot;The Impact of Digital Transformation on the Use of Financial Technology: An Analytical Study in the Basra Education Directorate.\\&quot; Humanities &amp; Natural Sciences Journal 7, no. 11. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;,&quot;Harvard&quot;:&quot;Noor A. N. K. 2026. The Impact of Digital Transformation on the Use of Financial Technology: An Analytical Study in the Basra Education Directorate. Humanities &amp; Natural Sciences Journal. [Internet] 2026-11-01. [Cited 2026-11-01]. 7(11). Available at: https:\\\/\\\/www.hnjournal.net\\\/ar\\\/7-11-24\\\/. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;,&quot;Vancouver&quot;:&quot;Noor A. N. K. The Impact of Digital Transformation on the Use of Financial Technology: An Analytical Study in the Basra Education Directorate. Humanities &amp; Natural Sciences Journal. [Internet]. 2026-11-01; 7(11). Available from: https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;,&quot;IEEE&quot;:&quot;Noor A. N. K, \\&quot;The Impact of Digital Transformation on the Use of Financial Technology: An Analytical Study in the Basra Education Directorate,\\&quot; Humanities &amp; Natural Sciences Journal, vol. 7, no. 11, 2026. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;,&quot;MLA&quot;:&quot;Noor Adnan Neama Khudair. \\&quot;The Impact of Digital Transformation on the Use of Financial Technology: An Analytical Study in the Basra Education Directorate.\\&quot; Humanities &amp; Natural Sciences Journal, vol. 7, no. 11, 2026-11-01, https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;}' data-cit-ar='{&quot;APA&quot;:&quot;\u0646\u0648\u0631 \u0639. \u0646. \u062e. 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https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;,&quot;MLA&quot;:&quot;\u0646\u0648\u0631 \u0639\u062f\u0646\u0627\u0646 \u0646\u0639\u0645\u0647 \u062e\u0636\u0631. \u00ab\u0623\u062b\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0645 7\u060c \u0639 11\u060c 2026-11-01\u060c https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj711\\\/24&quot;}'>\r\n    <div class='hnsj-modal-header'>\r\n    <div 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\u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 (0.05)\u060c \u0628\u0645\u0639\u0627\u0645\u0644 \u0627\u0631\u062a\u0628\u0627\u0637 (R = 0.692) \u0648\u0645\u0639\u0627\u0645\u0644 \u062a\u062d\u062f\u064a\u062f (R\u00b2 = 0.479)\u060c \u0628\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u064a\u0641\u0633\u0631 47.9% \u0645\u0646 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0648\u062a\u0624\u0643\u062f \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0623\u0647\u0645\u064a\u0629 \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u062f\u0639\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0629. \u0648\u0623\u0648\u0635\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0628\u0645\u0648\u0627\u0635\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u062a\u0637\u0628\u064a\u0642\u0647 \u0628\u0635\u0648\u0631\u0629 \u0645\u062b\u0644\u0649\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0648\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0628\u0645\u0627 \u064a\u062f\u0639\u0645 \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0644\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u064a\u0646.<\/p><p style='text-align:right;'><strong>\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong> \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629.<\/p><p style='text-align:justify; direction:ltr;'><strong>Abstract: <\/strong> This study examines the impact of digital transformation on the use of financial technology (FinTech) in the Basra Education Directorate. Digital technologies offer opportunities to improve administrative and financial services, accelerate transactions, reduce costs, and strengthen transparency and financial oversight. The study addresses the limited research on the relationship between digital transformation and FinTech in Iraqi governmental educational institutions. A quantitative descriptive-analytical approach was adopted, targeting all employees in the Directorate\u2019s Internal Audit and Control Department through a census survey. Data were collected using a questionnaire developed after reviewing relevant literature and previous studies. Of the 179 questionnaires collected, 175 were retained for analysis following data screening. The Statistical Package for the Social Sciences (SPSS V27) was used to perform descriptive analyses, Pearson correlation tests, and simple linear regression. The results indicated moderate levels of digital transformation and FinTech usage, with mean scores of 3.54 and 3.61, respectively. Statistically significant positive correlations were found between digital transformation and FinTech, including its dimensions of technological payments and technological financial oversight. Simple linear regression showed a significant effect of digital transformation on FinTech usage at the 0.05 significance level. The correlation coefficient was R = 0.692, and the coefficient of determination was R\u00b2 = 0.479, indicating that the model explained 47.9% of the variance in FinTech usage. These findings highlight the importance of strengthening digital transformation to support financial technology in the Directorate. The study recommends continued investment in digital transformation, its effective implementation, and further development of technological payment methods and financial oversight tools to improve financial operations and the quality of services delivered to beneficiaries.<\/p><p style='direction:ltr; text-align:left;'><strong>Keywords: <\/strong> Digital transformation, financial technology, technological payments, technological financial oversight.<\/p><\/div>\n<p style=\"text-align: justify;\"><strong>\u0645\u0642\u062f\u0645\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0623\u0635\u0628\u062d \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0623\u0648\u0644\u0648\u064a\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0645\u0631\u0643\u0632\u064a\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u0639\u0649 \u0625\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 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\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u0629\u060c \u0648\u064a\u0648\u0641\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0638\u0631\u0648\u0641\u064b\u0627 \u0645\u0648\u0627\u062a\u064a\u0629 \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0643\u064a\u0641\u064a\u0629 \u0623\u062f\u0627\u0621 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u064a\u0646 \u0644\u0623\u062f\u0648\u0627\u0631\u0647\u0645 \u0648\u062d\u0644 \u0627\u0644\u0645\u0634\u0643\u0644\u0627\u062a (<a href=\"https:\/\/doi.org\/10.1016\/j.ssaho.2026.102573\">Maqbuli &amp; Al-Mahmoudi, 2026;p3<\/a>),<\/p>\n<p style=\"text-align: justify;\">\u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u0627\u0644\u062a\u063a\u064a\u064a\u0631 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\u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c \u0643\u0645\u0627 \u062a\u0633\u0627\u0639\u062f \u0647\u0630\u0647 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0629 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0623\u0648\u0644\u0648\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0628\u0645\u0627 \u064a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0629 \u0648\u0625\u0645\u0643\u0627\u0646\u0627\u062a\u0647\u0627.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0631\u0627\u0628\u0639\u0627\u064b \u2013 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u0647\u062f\u0641 \u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0622\u062a\u064a\u0629:<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0627\u0644\u0623\u0648\u0644: <\/strong>\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0627\u0644\u062b\u0627\u0646\u064a<\/strong>: \u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0627\u0644\u062b\u0627\u0644\u062b:<\/strong> \u0628\u064a\u0627\u0646 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0627\u0644\u0631\u0627\u0628\u0639<\/strong>: \u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0623\u062b\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0623\u0628\u0639\u0627\u062f\u0647\u0627 (\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629) \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/p>\n<p style=\"text-align: justify;\">\u062d\u064a\u062b \u064a\u062a\u0641\u0631\u0639 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0627\u0644\u0622\u062a\u064a\u0629:<\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0623\u062b\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0623\u062b\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u062e\u0627\u0645\u0633\u0627\u064b \u2013 \u0623\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u062a\u0643\u0648\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0645\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0648\u0647\u064a \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0622\u062a\u064a:<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0644<\/strong>: \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0627\u0639\u062a\u0645\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0639\u0644\u0649 \u0633\u0628\u0639\u0629 \u0641\u0642\u0631\u0627\u062a \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u062d\u064a\u062b \u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0647\u0630\u0647 \u0627\u0644\u0623\u0628\u0639\u0627\u062f \u0628\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u062f\u0631\u0627\u0633\u0629(<a href=\"https:\/\/doi.org\/10.1108\/BPMJ-03-2025-0341\">Kobusingye et.al, 2026;p22<\/a>),(<a href=\"https:\/\/doi.org\/10.1038\/s41598-024-76416-8\">Chen &amp; Wang, 2024;p9<\/a>).<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0627\u0628\u0639<\/strong>: \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0627\u0639\u062a\u0645\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0639\u0644\u0649 \u0628\u0639\u062f\u064a\u0646 \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0647\u064a (\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629), \u062d\u064a\u062b \u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0647\u0630\u0647 \u0627\u0644\u0623\u0628\u0639\u0627\u062f \u0639\u0644\u0649 \u062f\u0631\u0627\u0633\u0629(<a href=\"https:\/\/search.emarefa.net\">Hamou Iskandar, 2020;P108<\/a>).<\/p>\n<p style=\"text-align: justify;\"><strong>\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" width=\"1800\" height=\"540\" class=\"wp-image-18287\" src=\"http:\/\/www.hnjournal.net\/wp-content\/uploads\/2026\/10\/word-image-18222-1.png\" srcset=\"https:\/\/www.hnjournal.net\/wp-content\/uploads\/2026\/10\/word-image-18222-1.png 1800w, https:\/\/www.hnjournal.net\/wp-content\/uploads\/2026\/10\/word-image-18222-1-300x90.png 300w, https:\/\/www.hnjournal.net\/wp-content\/uploads\/2026\/10\/word-image-18222-1-1024x307.png 1024w, https:\/\/www.hnjournal.net\/wp-content\/uploads\/2026\/10\/word-image-18222-1-768x230.png 768w, https:\/\/www.hnjournal.net\/wp-content\/uploads\/2026\/10\/word-image-18222-1-1536x461.png 1536w, https:\/\/www.hnjournal.net\/wp-content\/uploads\/2026\/10\/word-image-18222-1-18x5.png 18w\" sizes=\"auto, (max-width: 1800px) 100vw, 1800px\" \/><\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: \u0645\u0646 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0628\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0633\u0627\u0628\u0642\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0633\u0627\u062f\u0633\u0627\u064b- \u0641\u0631\u0636\u064a\u0627\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u062a\u062d\u062f\u062f \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0628\u0640<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u0623\u0648\u0644\u0649<\/strong>: \u062a\u0648\u062c\u062f \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629<\/strong>: \u064a\u0648\u062c\u062f \u0623\u062b\u0631 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0623\u0628\u0639\u0627\u062f\u0647\u0627 (\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629) \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 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style=\"text-align: justify;\"><strong>\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a.<\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u064f\u0639\u0631\u064e\u0651\u0641 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0628\u0623\u0646\u0647 \u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0648\u062e\u0644\u0642 \u0627\u0644\u0642\u064a\u0645\u0629\u060c \u0648\u0647\u0648 \u0623\u064a\u0636\u0627\u064b \u0645\u0632\u064a\u062c \u0645\u0646 \u0627\u0644\u0642\u062f\u0631\u0627\u062a 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\u0627\u0644\u0645\u0624\u0633\u0633\u064a (<a href=\"https:\/\/jurnal.stie-aas.ac.id\/index.php\/IJEBAR\">Hidayati, 2022;p 1272<\/a>). \u0643\u0645\u0627 \u064a\u064f\u0639\u0631\u064e\u0651\u0641 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0628\u0623\u0646\u0647 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0645\u062b\u0644 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u060c \u0648\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629\u060c \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a\u060c \u0623\u0648 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u062f\u0645\u062c\u0629 \u0644\u062a\u0645\u0643\u064a\u0646 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\u0627\u0644\u062a\u0643\u064a\u0641\u060c \u0648\u062c\u0648\u062f\u0629 \u062e\u062f\u0645\u0629 \u0645\u062d\u0633\u0651\u0646\u0629\u060c \u0648\u0641\u0639\u0627\u0644\u064a\u0629 \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0623\u0643\u0628\u0631(Hinings et.al, 2018;p53). \u0643\u0645\u0627 \u064a\u064f\u0639\u0631\u064e\u0651\u0641 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0623\u064a\u0636\u0627\u064b \u0628\u0623\u0646\u0647 \u0627\u0644\u062a\u0623\u062b\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0644\u0639\u062f\u0629 \u0627\u0628\u062a\u0643\u0627\u0631\u0627\u062a \u0631\u0642\u0645\u064a\u0629 \u062a\u064f\u0624\u062f\u064a \u0625\u0644\u0649 \u0638\u0647\u0648\u0631 \u062c\u0647\u0627\u062a \u0641\u0627\u0639\u0644\u0629 \u062c\u062f\u064a\u062f\u0629 (\u0648\u0645\u062c\u0645\u0648\u0639\u0627\u062a \u0645\u0646 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0641\u0627\u0639\u0644\u0629)\u060c \u0648\u0647\u064a\u0627\u0643\u0644\u060c \u0648\u0645\u0645\u0627\u0631\u0633\u0627\u062a\u060c \u0648\u0642\u064a\u0645\u060c \u0648\u0645\u0639\u062a\u0642\u062f\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u062a\u064f\u063a\u064a\u0631\u060c \u0623\u0648 \u062a\u064f\u0647\u062f\u062f\u060c \u0623\u0648 \u062a\u064f\u0633\u062a\u0628\u062f\u0644\u060c \u0623\u0648 \u062a\u064f\u0643\u0645\u0644 \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0644\u0639\u0628\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a\u060c \u0623\u0648 \u0627\u0644\u0646\u0638\u0645 \u0627\u0644\u0628\u064a\u0626\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a\u060c \u0623\u0648 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a (Bondar et.al, 2017;p33).<\/p>\n<p style=\"text-align: justify;\">\u0648\u064a\u0645\u0643\u0646 \u0623\u064a\u0636\u0627\u064b \u062a\u0639\u0631\u064a\u0641 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\u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0648\u0646\u0647\u062c\u0647\u0627 \u0627\u0644\u062a\u0639\u0627\u0648\u0646\u064a \u0648\u062b\u0642\u0627\u0641\u062a\u0647\u0627(Garzoni et.al, 2020;p1457).<\/p>\n<p style=\"text-align: justify;\">\u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0627 \u0633\u0628\u0642 \u064a\u062a\u0636\u062d \u0623\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0647\u0648 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u062f\u0645\u062c \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u0645\u0624\u0633\u0633\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u0623\u062f\u062a \u0625\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u062c\u0630\u0631\u064a\u0629 \u0641\u064a \u0637\u0631\u064a\u0642\u0629 \u0625\u062f\u0627\u0631\u0629 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\u0648\u062a\u0639\u0632\u064a\u0632 \u0643\u0641\u0627\u0621\u062a\u0647\u0627 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0623\u062b\u0631 \u0627\u0644\u0628\u064a\u0626\u064a.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u0631\u0649 \u0628\u0627\u062d\u062b\u0648\u0646 \u0623\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u062c\u0648\u0647\u0631\u064a\u0629 \u0641\u064a \u062e\u0635\u0627\u0626\u0635\u0647\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u060c \u0648\u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u0647\u064a\u0643\u0644\u0647\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0648\u0633\u0644\u0648\u0643\u0647\u0627 \u0648\u0646\u0638\u0627\u0645 \u062a\u0634\u063a\u064a\u0644\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0645\u064f\u062a\u0643\u0627\u0645\u0644 \u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0648\u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0648\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0628\u0637\u060c \u062d\u064a\u062b \u062a\u062a\u0636\u062d \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0622\u062a\u064a\u0629: (<a href=\"https:\/\/ijabo.a3i.or.id\/index.php\/ijabo\">Efawati et.al, 2025;p458<\/a>), (<a href=\"https:\/\/doi.org\/10.3390\/su14106012.\">Teng et.al, 2022;p5<\/a>).<\/p>\n<p style=\"text-align: justify;\">\u064a\u0624\u062f\u064a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0625\u0644\u0649 \u062a\u063a\u064a\u064a\u0631 \u062c\u0630\u0631\u064a \u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">\u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u0648\u062a\u0637\u0648\u064a\u0631 \u0645\u0646\u0638\u0648\u0645\u0627\u062a \u0627\u0644\u0642\u064a\u0645.<\/p>\n<p style=\"text-align: justify;\">\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 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style=\"text-align: justify;\">\u062a\u062d\u0633\u064a\u0646 \u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0641\u064a \u0625\u0646\u062c\u0627\u0632 \u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0648\u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629\u060c \u0643\u0645\u0627 \u062a\u0633\u0647\u0645 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u062c\u0648\u062f\u0629 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u062c\u0648\u062f\u0629.<\/p>\n<p style=\"text-align: justify;\">\u064a\u064f\u0647\u064a\u0626 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0628\u064a\u0626\u0629\u064b \u062a\u064f\u062d\u0641\u0632 \u0627\u0644\u062a\u0639\u0644\u0645 \u0648\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u0647\u0627\u0631\u0627\u062a\u060c \u0645\u0645\u0627 \u064a\u064f\u0639\u0632\u0632 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">\u062a\u0639\u0632\u0632 \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0645\u0643\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0628\u0646\u0627\u0621 \u0648\u062a\u062c\u062f\u064a\u062f \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0645\u0646 \u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u0623\u062f\u0646\u0649\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 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\u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0648\u064a\u0639\u0632\u0632 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0625\u0646\u0634\u0627\u0621 \u0645\u0648\u0627\u0631\u062f \u063a\u064a\u0631 \u0645\u062a\u062c\u0627\u0646\u0633\u0629(<a href=\"https:\/\/www.elsevier.com\">Vial, 2019;p124<\/a>).<\/p>\n<p style=\"text-align: justify;\">\u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647\u060c \u064a\u0634\u064a\u0631 \u0645\u0646\u0638\u0648\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0625\u0644\u0649 \u0636\u0631\u0648\u0631\u0629 \u0645\u0648\u0627\u0621\u0645\u0629 \u062a\u062e\u0635\u064a\u0635 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\u0627\u0644\u0645\u0627\u0644\u064a\u0629(Shah et.al, 2023;p1132), \u0643\u0645\u0627 \u062a\u0634\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u064a\u0636\u0627\u064b \u0628\u0623\u0646\u0647\u0627 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062d\u0627\u0633\u0648\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0647\u064a \u062a\u064f\u062d\u062f\u062b \u062a\u063a\u064a\u064a\u0631\u064b\u0627 \u062c\u0630\u0631\u064a\u064b\u0627 \u0641\u064a \u0637\u0631\u064a\u0642\u0629 \u0639\u0645\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Sangwan et.al, 2020;p270), \u0643\u0645\u0627 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\u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong> \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/strong><\/p>\n<p style=\"text-align: justify;\">\u0625\u0646 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u0647\u0645\u064a\u0629 \u0643\u0628\u064a\u0631\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0648\u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0625\u0630 \u062a\u062a\u0636\u062d \u0623\u0647\u0645\u064a\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0622\u062a\u064a\u0629: (<a href=\"https:\/\/doi.org\/10.59145\">Khalifa &amp; Al-Makhlafi, 2026;p456<\/a>), (<a href=\"http:\/\/dx.doi.org\/10.7575\/aiac.ijels.v.9n.1p.86\">Farida et.al, 2021;p88<\/a>).<\/p>\n<p style=\"text-align: justify;\">\u062a\u0633\u0647\u0645 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u062d\u064a\u062b \u062a\u0635\u0628\u062d \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u062a\u0627\u062d\u0629 \u0644\u0643\u0627\u0641\u0629 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0630\u064a \u064a\u062a\u0645\u062a\u0639 \u0628\u0647 \u0627\u0644\u0641\u0631\u062f\u060c \u0643\u0645\u0627 \u062a\u0633\u0647\u0645 \u0641\u064a \u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0639\u0628\u0631 \u062a\u0628\u0646\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062d\u062f\u062b \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u0627\u062a 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\u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0628\u062f\u064a\u0644\u0629 \u0628\u0645\u0627 \u064a\u062f\u0639\u0645 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u062a\u064a \u062a\u0646\u0639\u0643\u0633 \u0625\u064a\u062c\u0627\u0628\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0623\u0641\u0631\u0627\u062f\u060c \u0648\u0623\u064a\u0636\u0627\u064b \u0639\u0644\u0649 \u062a\u0637\u0648\u0631 \u0627\u0644\u0645\u062c\u062a\u0645\u0639 \u0648\u062a\u062d\u0633\u064a\u0646 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a.<\/p>\n<p style=\"text-align: justify;\">\u062f\u0639\u0645 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u0633\u0631\u064a\u0639 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justify;\">\u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629 \u0648\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0641\u064a \u0627\u0644\u062e\u0627\u0631\u062c \u0639\u0628\u0631 \u062a\u0648\u0641\u064a\u0631 \u0648\u0633\u0627\u0626\u0644 \u062f\u0641\u0639 \u0639\u0627\u0628\u0631\u0629 \u0644\u0644\u062d\u062f\u0648\u062f \u062a\u062a\u0645\u064a\u0632 \u0628\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641\u060c \u0643\u0645\u0627 \u062a\u0633\u0627\u0639\u062f \u0625\u0646\u062c\u0627\u0632 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0648\u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0627\u062a 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\u0648\u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0645\u0639 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u062f\u0648\u0644\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0625\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0648\u0623\u062f\u0648\u0627\u062a \u0648\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062a\u062d\u0642\u0642 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0648\u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0647\u064a \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0622\u062a\u064a:( <a href=\"https:\/\/doi.org\/10.24086\/cuejhss.v4n2y2020.pp127-135\">Abdulreda &amp; Harjan, 2020;p129<\/a>).<\/p>\n<p style=\"text-align: justify;\">\u062e\u0641\u0636 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u062d\u064a\u062b \u0623\u062b\u0628\u062a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c 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style=\"text-align: justify;\">\u0627\u0639\u062a\u0645\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0628\u0639\u0627\u062f \u0627\u0644\u0623\u0643\u062b\u0631 \u0645\u0644\u0627\u0621\u0645\u0629 \u0644\u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0628\u062d\u062b \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641 \u0648\u0647\u064a (\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629) \u0628\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u062f\u0631\u0627\u0633\u0629 (<a href=\"https:\/\/search.emarefa.net\">Hamou Iskandar, 2020;P108<\/a>).<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0628\u064f\u0639\u062f \u0627\u0644\u0623\u0648\u0644: \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629:<\/strong> \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0623\u064a\u0636\u0627\u064b \u062d\u0644\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a \u0623\u0648 \u0645\u0627 \u064a\u0633\u0645\u0649 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0628\u062f\u0644\u0627\u064b \u0639\u0646 \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0648\u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u0633\u064a\u0646 \u0639\u0645\u0644\u064a\u0627\u062a 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2020;P10<\/a>).<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0628\u062d\u062b \u0627\u0644\u062b\u0627\u0644\u062b: \u0627\u0644\u062c\u0627\u0646\u0628 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u064a \u0644\u0644\u0628\u062d\u062b<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0623\u0648\u0644\u0627\u064b- \u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0628\u062d\u062b:<\/strong> \u064a\u062a\u0643\u0648\u0646 \u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0645\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0641\u064a \u0642\u0633\u0645 \u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629 \u0648\u0627\u0644\u0628\u0627\u0644\u063a \u0639\u062f\u062f\u0647\u0645 (185).<\/p>\n<p style=\"text-align: justify;\">\u062b\u0627\u0646\u064a\u0627\u064b: \u0639\u064a\u0646\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0629: \u0646\u0638\u0631\u0627\u064b \u0644\u0635\u063a\u0631 \u062d\u062c\u0645 \u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0628\u062d\u062b \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641 \u0627\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0628\u0627\u062d\u062b \u0623\u0633\u0644\u0648\u0628 \u0627\u0644\u062d\u0635\u0631 \u0627\u0644\u0634\u0627\u0645\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0633\u062a\u0647\u062f\u0627\u0641 \u062c\u0645\u064a\u0639 \u0623\u0641\u0631\u0627\u062f \u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0628\u062d\u062b\u060c \u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0647\u0630\u0627 \u0627\u0644\u0639\u062f\u062f \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639 \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 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justify;\">\u064a\u0644\u064a \u0630\u0644\u0643 \u062a\u0645 \u062a\u0631\u0645\u064a\u0632 \u0627\u0644\u0645\u0644\u0641 \u0648\u062a\u0634\u063a\u064a\u0644\u0647 \u0636\u0645\u0646 \u0628\u064a\u0626\u0629 \u0639\u0645\u0644 \u0628\u0631\u0646\u0627\u0645\u062c SPSS\u060c \u0648\u0628\u0630\u0644\u0643 \u0628\u062f\u0623\u062a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0645\u0639\u0627\u064a\u0646\u0629 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u062d\u064a\u062b \u0623\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0645 \u0645\u0633\u0628\u0642\u0627\u064b \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0648\u062c\u0648\u062f \u0623\u0646\u0645\u0627\u0637 \u0641\u064a \u0627\u0644\u0625\u062c\u0627\u0628\u0629\u060c \u0644\u0630\u0644\u0643 \u062a\u0645 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0648\u062c\u0648\u062f 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\u0645\u0631\u0627\u062c\u0639\u062a\u0647 \u0645\u0646 \u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0623\u062f\u0628\u064a\u0627\u062a \u0633\u0627\u0628\u0642\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u0628\u062d\u062b \u0648\u0645\u0646 \u0623\u0645\u062b\u0644\u062a\u0647\u0627 (<a href=\"https:\/\/doi.org\/10.1108\/BPMJ-03-2025-0341\">Kobusingye et.al, 2026;p22<\/a>),(<a href=\"https:\/\/doi.org\/10.1038\/s41598-024-76416-8\">Chen &amp; Wang, 2024;p9<\/a>), (<a href=\"https:\/\/search.emarefa.net\">Hamou Iskandar, 2020;P108<\/a>).<\/p>\n<p style=\"text-align: justify;\"><strong>\u062e\u0627\u0645\u0633\u0627- \u0645\u0642\u0627\u064a\u064a\u0633 \u0627\u0644\u062f\u0631\u0627\u0633\u0629:<\/strong> \u0641\u064a \u0628\u0646\u0627\u0621 \u0627\u0633\u062a\u0628\u064a\u0627\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u062a\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0642\u064a\u0627\u0633 \u0644\u064a\u0643\u0631\u062a \u0627\u0644\u062e\u0645\u0627\u0633\u064a (Likert 5 points scale) \u0648\u0627\u0644\u0630\u064a \u064a\u0642\u062f\u0645 \u062e\u0645\u0633 \u062f\u0631\u062c\u0627\u062a \u0644\u0644\u0627\u062a\u0641\u0627\u0642 \u0639\u0644\u0649 \u0628\u0646\u0648\u062f \u0627\u0644\u0627\u0633\u062a\u0628\u064a\u0627\u0646 (\u0627\u062a\u0641\u0642 \u0628\u0634\u062f\u0629 5\u060c \u0627\u062a\u0641\u0642 4\u060c \u0645\u062d\u0627\u064a\u062f 3\u060c \u0644\u0627 \u0627\u062a\u0641\u0642 2\u060c \u0648\u0644\u0627 \u0627\u062a\u0641\u0642 \u0628\u0634\u062f\u0629 1). \u0648\u0644\u0639\u0631\u0636 \u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 \u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0645\u0628\u062d\u0648\u062b\u064a\u0646 \u0639\u0644\u0649 \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u062a\u0645 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0642\u064a\u0627\u0633 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\u0645\u0631\u062a\u0641\u0639\u0629. \u062d\u064a\u062b \u064a\u0628\u0644\u063a \u0637\u0648\u0644 \u0627\u0644\u0641\u0626\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u064a\u0627\u0633 1.33\u060c \u0648\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628\u0647 \u0628\u0637\u0631\u062d \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062e\u0645\u0627\u0633\u064a \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0639\u0644\u0649 \u0644\u0647\u060c \u062b\u0645 \u0642\u0633\u0645\u0629 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0644\u0649 3\u060c \u0648\u0647\u0648 \u0639\u062f\u062f \u0641\u0626\u0627\u062a \u0627\u0644\u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062b\u0644\u0627\u062b\u064a\u060c \u0648\u0630\u0644\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u062a\u064a \u0642\u062f\u0645\u0647\u0627 <a href=\"https:\/\/www.wiley-vch\">Bougie &amp; Sekaran (2019<\/a>)<\/p>\n<p style=\"text-align: justify;\"><strong>\u0633\u0627\u062f\u0633\u0627\u064b: \u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u0648\u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629: <\/strong>\u0642\u0627\u0645 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u062a\u0637\u0628\u064a\u0642 \u0639\u062f\u0629 \u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0648\u0623\u062f\u0648\u0627\u062a \u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062d\u0632\u0645\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0644\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 (The statistical package for social sciences) \u0646\u0633\u062e\u0629 27\u060c \u0648\u062a\u0646\u0648\u0639\u062a \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0644\u062a\u0634\u0645\u0644 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0627\u0644\u062a\u0648\u0627\u0621 \u0648\u0627\u0644\u062a\u0641\u0644\u0637\u062d \u0644\u0645\u0639\u0627\u064a\u0646\u0629 \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0637\u0628\u064a\u0639\u064a \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0643\u0631\u0648\u0646\u0628\u0627\u062e \u0623\u0644\u0641\u0627 \u0648\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0631\u0633\u0648\u0646 \u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0644\u0644\u0627\u0633\u062a\u0628\u064a\u0627\u0646\u060c \u0627\u0644\u0625\u062d\u0635\u0627\u0621\u0627\u062a \u0627\u0644\u0648\u0635\u0641\u064a\u0629 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\u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a 0.60\u060c \u0648\u064a\u0639\u062a\u0628\u0631 \u062d\u062f 0.70 \u0623\u0641\u0636\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u062b\u0628\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u060c \u0648\u0647\u0630\u0627 \u0648\u0641\u0642\u0627\u064b \u0644\u062a\u0648\u0635\u064a\u0627\u062a \u0643\u0644 \u0645\u0646 (Bougie &amp; Sekaran, 2019). \u062a\u0634\u064a\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u064a \u062a\u0645 \u0639\u0631\u0636\u0647\u0627 \u0641\u064a \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (2) \u0623\u0646 \u0646\u062a\u0627\u0626\u062c \u0645\u0639\u0627\u062f\u0644\u0629 \u0643\u0631\u0648\u0646\u0628\u0627\u062e \u0623\u0644\u0641\u0627 \u062a\u062c\u0627\u0648\u0632\u062a \u062d\u062f 0.60 \u0644\u0643\u0627\u0641\u0629 \u0627\u0644\u0645\u0642\u0627\u064a\u064a\u0633 \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0629\u060c \u0648\u0643\u0627\u0646\u062a \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644 \u062c\u064a\u062f\u0629 \u0628\u0644 \u0648\u062a\u062c\u0627\u0648\u0632 \u063a\u0627\u0644\u0628\u064a\u062a\u0647\u0627 \u0645\u0633\u062a\u0648\u0649 0.70\u060c \u0648\u0647\u0648 \u0627\u0644\u062d\u062f \u0627\u0644\u0645\u0648\u0635\u0649 \u0628\u0647 \u0644\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u062b\u0628\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a \u0644\u0644\u0623\u062f\u0627\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u062b\u0628\u062a \u062a\u0645\u062a\u0639 \u0647\u0630\u0647 \u0627\u0644\u0623\u062f\u0627\u0629 \u0628\u0627\u0644\u062b\u0628\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a \u0627\u0644\u062c\u064a\u062f.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (2): \u0645\u0639\u0627\u0645\u0644 \u0643\u0631\u0648\u0646\u0628\u0627\u062e \u0623\u0644\u0641\u0627 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u062b\u0628\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a \u0644\u0623\u062f\u0627\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u0627\u0644\u0645\u062c\u0627\u0644<\/strong><\/th>\n<th><strong>\u0639\u062f\u062f \u0627\u0644\u0641\u0642\u0631\u0627\u062a<\/strong><\/th>\n<th><strong>\u0643\u0631\u0648\u0646\u0628\u0627\u062e \u0623\u0644\u0641\u0627<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<td>7<\/td>\n<td>0.802<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>4<\/td>\n<td>0.652<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>4<\/td>\n<td>0.789<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/td>\n<td>8<\/td>\n<td>0.832<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0627\u0639\u062a\u0645\u0627\u062f\u0627 \u0639\u0644\u0649 \u0646\u062a\u0627\u0626\u062c \u0628\u0631\u0646\u0627\u0645\u062c SPSS<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u062b\u0627\u0645\u0646\u0627\u064b: \u0645\u0639\u0627\u064a\u0646\u0629 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\u0648\u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 \u0644\u0644\u0645\u062c\u0627\u0644\u060c \u0648\u064a\u0634\u064a\u0631 (Pallant, 2020) \u0625\u0644\u0649 \u0623\u0646 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0627\u062a\u0633\u0627\u0642 \u0627\u0644\u062f\u0627\u062e\u0644\u064a \u062a\u062a\u062d\u0642\u0642 \u0639\u0646\u062f\u0645\u0627 \u062a\u0633\u062c\u0644 \u0643\u0644 \u0641\u0642\u0631\u0629 \u062f\u0627\u062e\u0644 \u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u0645\u062c\u0627\u0644 \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0637\u0631\u062f\u064a\u0629 \u0645\u0639 \u0645\u062c\u0627\u0644\u0647\u0627\u060c \u0648\u064a\u0634\u062a\u0631\u0637 \u0623\u0646 \u062a\u062a\u062c\u0627\u0648\u0632 \u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 \u0623\u062f\u0646\u0649 \u0645\u0633\u062a\u0648\u0649 \u0648\u0647\u0648 0.20\u060c \u0643\u0645\u0627 \u0648\u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u062f\u0627\u0644\u0629 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u064b \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 0.01. \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u064a \u062c\u0645\u0639\u0647\u0627 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (3)\u060c \u0641\u0625\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u062a\u0624\u0643\u062f \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u062c\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u0627\u062a\u0633\u0627\u0642 \u0627\u0644\u062f\u0627\u062e\u0644\u064a \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0629\u060c \u0625\u0630 \u0623\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0633\u062c\u0644\u0629 \u062f\u0627\u0644\u0629 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u064b \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 0.01\u060c \u0648\u062c\u0645\u064a\u0639\u0647\u0627 \u0637\u0631\u062f\u064a\u0629 \u0648\u0623\u0639\u0644\u0649 \u0645\u0646 \u0645\u0633\u062a\u0648\u0649 0.20\u060c \u0648\u0647\u0630\u0627 \u064a\u0639\u0643\u0633 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u062c\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u0627\u062a\u0633\u0627\u0642 \u0627\u0644\u062f\u0627\u062e\u0644\u064a \u0644\u0644\u0623\u062f\u0627\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (3): \u0645\u0639\u0627\u0645\u0644 \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0631\u0633\u0648\u0646 \u0628\u064a\u0646 \u0627\u0644\u0641\u0642\u0631\u0627\u062a \u0648\u0645\u062c\u0627\u0644\u0627\u062a\u0647\u0627 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0627\u062a\u0633\u0627\u0642 \u0627\u0644\u062f\u0627\u062e\u0644\u064a \u0644\u0623\u062f\u0627\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u0627\u0644\u0645\u062c\u0627\u0644<\/strong><\/th>\n<th><strong>\u0631\u0645\u0632 \u0627\u0644\u0641\u0642\u0631\u0629<\/strong><\/th>\n<th><strong>\u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637<\/strong><\/th>\n<th><strong>\u0627\u0644\u0645\u062c\u0627\u0644<\/strong><\/th>\n<th><strong>\u0631\u0645\u0632 \u0627\u0644\u0641\u0642\u0631\u0629<\/strong><\/th>\n<th><strong>\u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td rowspan=\"7\">\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<td>DT1<\/td>\n<td>0.762**<\/td>\n<td rowspan=\"4\">\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>TP1<\/td>\n<td>0.659**<\/td>\n<\/tr>\n<tr>\n<td>DT2<\/td>\n<td>0.651**<\/td>\n<td>TP2<\/td>\n<td>0.741**<\/td>\n<\/tr>\n<tr>\n<td>DT3<\/td>\n<td>0.698**<\/td>\n<td>TP3<\/td>\n<td>0.634**<\/td>\n<\/tr>\n<tr>\n<td>DT4<\/td>\n<td>0.646**<\/td>\n<td>TP4<\/td>\n<td>0.764**<\/td>\n<\/tr>\n<tr>\n<td>DT5<\/td>\n<td>0.678**<\/td>\n<td rowspan=\"4\">\u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>TFC1<\/td>\n<td>0.745**<\/td>\n<\/tr>\n<tr>\n<td>DT6<\/td>\n<td>0.624**<\/td>\n<td>TFC2<\/td>\n<td>0.805**<\/td>\n<\/tr>\n<tr>\n<td>DT7<\/td>\n<td>0.673**<\/td>\n<td>TFC3<\/td>\n<td>0.753**<\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\">\/\/<\/td>\n<td>TFC4<\/td>\n<td>0.826**<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>**\u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u062f\u0627\u0644\u0629 \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 (\u03b1 \u22640.01 )<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u062a\u0627\u0633\u0639\u0627\u064b: \u062a\u0648\u0627\u0641\u0642 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0645\u0639 \u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629:<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0642\u0628\u0644 \u062a\u0637\u0628\u064a\u0642 \u0623\u064a \u0645\u0646 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0641\u0625\u0646\u0647 \u0644\u0627\u0628\u062f \u0645\u0646 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u0648\u0627\u0641\u0642 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0639 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629\u060c \u0648\u062a\u0639\u062a\u0628\u0631 \u0627\u0639\u062a\u062f\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0646 \u0623\u0647\u0645 \u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u0648\u0627\u0641\u0642\u060c \u0623\u0645\u0627 \u0641\u064a\u0645\u0627 \u064a\u062e\u0635 \u0634\u0631\u0637 \u062e\u0644\u0648 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0645\u0646 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0645\u062a\u0639\u062f\u062f\u060c \u0641\u0646\u0638\u0631\u0627\u064b \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0644\u0627 \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0623\u0628\u0639\u0627\u062f \u0644\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u060c \u0641\u0625\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u063a\u064a\u0631 \u0648\u0627\u0631\u062f\u0629 \u0644\u0647\u0630\u0627 \u0644\u0627 \u064a\u0648\u062c\u062f \u062d\u0627\u062c\u0629 \u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u064a \u0645\u0646 \u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0643\u0634\u0641 \u0639\u0646 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0645\u062a\u0639\u062f\u062f. \u0641\u064a\u0645\u0627 \u064a\u062e\u0635 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0639\u062a\u062f\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0641\u0625\u0646 \u062a\u0645\u0627\u062b\u0644 \u0630\u064a\u0644\u064a \u0645\u0646\u062d\u0646\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u064a\u0642\u062f\u0645 \u062f\u0644\u064a\u0644 \u0645\u0644\u0645\u0648\u0633 \u0639\u0644\u0649 \u0627\u0639\u062a\u062f\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u062a\u0639\u062a\u0628\u0631 \u0630\u064a\u0648\u0644 \u0627\u0644\u0645\u0646\u062d\u0646\u0649 \u0645\u062a\u0645\u0627\u062b\u0644\u0629 \u0639\u0646\u062f\u0645\u0627 \u062a\u062e\u0644\u0648 \u0630\u064a\u0648\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0646 \u0645\u0634\u0627\u0643\u0644 \u0627\u0644\u0627\u0644\u062a\u0648\u0627\u0621 \u0627\u0644\u0634\u062f\u064a\u062f \u0623\u0648 \u0627\u0644\u062a\u0641\u0644\u0637\u062d \u0627\u0644\u0634\u062f\u064a\u062f. \u064a\u0648\u0635\u064a (George, 2011) \u0628\u0645\u0639\u0627\u064a\u0646\u0629 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0627\u0644\u062a\u0648\u0627\u0621 \u0648\u0627\u0644\u062a\u0641\u0644\u0637\u062d \u0644\u0644\u062d\u0643\u0645 \u0639\u0644\u0649 \u0627\u0639\u062a\u062f\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u064a\u0648\u0635\u064a \u0628\u062d\u062f\u0648\u062f \u0645\u062b\u0644\u0649 \u0644\u0647\u0630\u0647 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0648\u0647\u064a \u00b1 2.3 \u0644\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u0627\u0644\u062a\u0648\u0627\u0621 \u0648\u00b13.6 \u0644\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0641\u0644\u0637\u062d. \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u064a \u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (4)\u060c \u0641\u0625\u0646 \u0627\u0644\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u0633\u062c\u0644\u0647\u0627 \u0643\u0644\u0627 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u064a\u0646 \u0648\u0642\u0639\u062a \u0636\u0645\u0646 \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u062b\u0644\u0649 \u0648\u0644\u0645 \u062a\u062a\u062c\u0627\u0648\u0632 \u0644\u062a\u062d\u0635\u0644 \u0625\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0645\u0631\u062a\u0641\u0639\u0629\u060c \u0645\u0645\u0627 \u064a\u062f\u0644\u0644 \u0639\u0644\u0649 \u0627\u0639\u062a\u062f\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0647\u0630\u0627 \u064a\u0624\u0643\u062f \u0639\u0644\u0649 \u0635\u062d\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u0644\u062e\u0636\u0648\u0639 \u0644\u0644\u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (4): \u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u0627\u0644\u062a\u0648\u0627\u0621 \u0648\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0641\u0644\u0637\u062d \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0639\u062a\u062f\u0627\u0644\u064a\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u0627\u0644\u0645\u062c\u0627\u0644<\/strong><\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u0627\u0644\u062a\u0648\u0627\u0621<\/strong><\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0641\u0644\u0637\u062d<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<td>0.106<\/td>\n<td>-0.032<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>-0.364<\/td>\n<td>0.651<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>-0.123<\/td>\n<td>0.561<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/td>\n<td>-0.339<\/td>\n<td>0.863<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0627\u0639\u062a\u0645\u0627\u062f\u0627 \u0639\u0644\u0649 \u0646\u062a\u0627\u0626\u062c \u0628\u0631\u0646\u0627\u0645\u062c SPSS<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0639\u0627\u0634\u0631\u0627\u064b: \u0627\u0644\u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u062f\u064a\u0645\u0648\u063a\u0631\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0629:<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0642\u062f\u0645\u062a \u0627\u0644\u062a\u0643\u0631\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0641\u064a \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (5) \u0639\u0631\u0636\u0627\u064b \u0644\u0644\u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u062f\u064a\u0645\u0648\u063a\u0631\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0629\u060c \u0648\u0628\u064a\u0646\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0628\u0645\u062c\u0645\u0644\u0647\u0627 \u062e\u0635\u0627\u0626\u0635 \u0645\u062a\u0646\u0648\u0639\u0629 \u0648\u0645\u062b\u0631\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0627\u0644\u0645\u0628\u062d\u0648\u062b\u064a\u0646 \u0645\u0646 \u062d\u064a\u062b \u062a\u0646\u0648\u0639\u0647\u0645 \u0648\u062a\u0645\u062a\u0639\u0647\u0645 \u0628\u062a\u0623\u0647\u064a\u0644 \u0623\u0643\u0627\u062f\u064a\u0645\u064a \u0645\u0631\u062a\u0641\u0639\u060c \u0633\u0646\u0648\u0627\u062a \u062e\u0628\u0631\u0629 \u062c\u064a\u062f\u0629\u060c \u0648\u0647\u0630\u0627 \u064a\u0639\u0643\u0633 \u0639\u0645\u0648\u0645\u0627\u064b \u0642\u062f\u0631\u0629 \u0627\u0644\u0639\u064a\u0646\u0629 \u0627\u0644\u062c\u064a\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u0628\u064a\u0627\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0629. \u062c\u0627\u0621 \u062a\u0648\u0632\u0639 \u0627\u0644\u0645\u0628\u062d\u0648\u062b\u064a\u0646 \u0643\u0627\u0644\u0627\u062a\u064a: \u0627\u0644\u0646\u0648\u0639 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a: \u0633\u062c\u0644 \u0627\u0644\u0630\u0643\u0648\u0631 (\u0646= 89\u060c 50.9%)\u060c \u0628\u064a\u0646\u0645\u0627 \u0633\u062c\u0644\u062a \u0627\u0644\u0625\u0646\u0627\u062b (\u0646= 86\u060c 49.1%). \u0627\u0644\u0639\u0645\u0631: \u0633\u062c\u0644\u062a \u0627\u0644\u0641\u0626\u0627\u062a \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0627\u062a\u064a\u0629: \u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0645\u0646 25 \u0633\u0646\u0629 \u0625\u0644\u0649 30 \u0633\u0646\u0629 (\u0646= 2\u060c 1.1%)\u060c \u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0645\u0646 31 \u0633\u0646\u0629 \u0625\u0644\u0649 35 \u0633\u0646\u0629 (\u0646= 33\u060c 18.9%)\u060c \u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0645\u0646 36 \u0633\u0646\u0629 \u0625\u0644\u0649 40 \u0633\u0646\u0629 (\u0646= 79\u060c 45.1%)\u060c \u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0645\u0646 41 \u0633\u0646\u0629 \u0625\u0644\u0649 45 \u0633\u0646\u0629 (\u0646= 37\u060c 21.1%)\u060c \u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0645\u0646 46 \u0633\u0646\u0629 \u0625\u0644\u0649 50 \u0633\u0646\u0629 (\u0646= 18\u060c 10.3%)\u060c \u0648\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 51 \u0633\u0646\u0629 \u0641\u0623\u0643\u062b\u0631 (\u0646= 6\u060c 3.4%). \u0623\u0645\u0627 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0624\u0647\u0644 \u0627\u0644\u0639\u0644\u0645\u064a \u0641\u0642\u062f \u0643\u0627\u0646\u062a \u0643\u0645\u0627 \u064a\u0644\u064a: \u0645\u0624\u0647\u0644 \u062f\u0628\u0644\u0648\u0645 \u0641\u0623\u0642\u0644 (\u0646= 6\u060c 3.4%)\u060c \u0648\u0645\u0624\u0647\u0644 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 (\u0646= 131\u060c 74.9%)\u060c \u0648\u0645\u0624\u0647\u0644 \u0645\u0627\u062c\u0633\u062a\u064a\u0631 (\u0646= 38\u060c 21.7%).<\/p>\n<p style=\"text-align: justify;\">\u0628\u064a\u0646\u0645\u0627 \u062c\u0627\u0621\u062a \u0646\u062a\u0627\u0626\u062c \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u062e\u0628\u0631\u0629 \u0648\u0641\u0642 \u0627\u0644\u0627\u062a\u064a: \u0641\u0626\u0629 5 \u0633\u0646\u0648\u0627\u062a \u0641\u0623\u0642\u0644 (\u0646= 8\u060c 4.6%)\u060c \u0641\u0626\u0629 \u0645\u0646 5 \u0633\u0646\u0648\u0627\u062a \u0625\u0644\u0649 10 \u0633\u0646\u0648\u0627\u062a (\u0646= 101\u060c 57.7%)\u060c \u0641\u0626\u0629 \u0645\u0646 11 \u0633\u0646\u0629 \u0625\u0644\u0649 15 \u0633\u0646\u0629 (\u0646= 57\u060c 32.6%)\u060c \u0641\u0626\u0629 \u0645\u0646 16 \u0633\u0646\u0629 \u0625\u0644\u0649 20 \u0633\u0646\u0629 (\u0646= 5\u060c 2.9%)\u060c \u0648\u0641\u0626\u0629 \u0645\u0646 21 \u0633\u0646\u0629 \u0625\u0644\u0649 25 \u0633\u0646\u0629 (\u0646= 4\u060c 2.3%). \u0623\u062e\u064a\u0631\u0627\u064b\u060c \u062d\u0644\u062a \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0633\u0645\u064a\u0627\u062a \u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629 \u0643\u0645\u0627 \u064a\u0644\u064a: \u0645\u0633\u0645\u0649 \u0645\u062f\u064a\u0631 \u062d\u0633\u0627\u0628\u0627\u062a (\u0646= 4\u060c 2.3%)\u060c \u0645\u0633\u0645\u0649 \u0645\u0639\u0627\u0648\u0646 \u0645\u062f\u064a\u0631 \u062d\u0633\u0627\u0628\u0627\u062a (\u0646= 4\u060c 2.3%)\u060c \u0645\u0633\u0645\u0649 \u0645\u062f\u064a\u0631 \u062a\u062f\u0642\u064a\u0642 (\u0646= 6\u060c 3.4%)\u060c \u0645\u0633\u0645\u0649 \u0645\u0639\u0627\u0648\u0646 \u0645\u062f\u064a\u0631 \u062a\u062f\u0642\u064a\u0642 (\u0646= 8\u060c 4.6%)\u060c \u0645\u0633\u0645\u0649 \u0645\u062f\u0642\u0642 (\u0646= 56\u060c 32.0%)\u060c \u0648\u0645\u0633\u0645\u0649 \u0645\u062d\u0627\u0633\u0628 (\u0646= 97\u060c 55.4%).<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (5): \u0627\u0644\u062a\u0643\u0631\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0644\u0639\u0631\u0636 \u0627\u0644\u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u062f\u064a\u0645\u0648\u063a\u0631\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u0627\u0644\u062e\u0627\u0635\u064a\u0629<\/strong><\/th>\n<th><strong>\u0627\u0644\u0641\u0626\u0629<\/strong><\/th>\n<th><strong>\u0627\u0644\u062a\u0643\u0631\u0627\u0631<\/strong><\/th>\n<th><strong>\u0627\u0644\u0646\u0633\u0628\u0629<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td rowspan=\"2\">\u0627\u0644\u0646\u0648\u0639 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a<\/td>\n<td>\u0630\u0643\u0631<\/td>\n<td>89<\/td>\n<td>50.9%<\/td>\n<\/tr>\n<tr>\n<td>\u0623\u0646\u062b\u0649<\/td>\n<td>86<\/td>\n<td>49.1%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"6\">\u0627\u0644\u0639\u0645\u0631<\/td>\n<td>\u0645\u0646 25 \u0633\u0646\u0629 \u0625\u0644\u0649 30 \u0633\u0646\u0629<\/td>\n<td>2<\/td>\n<td>1.1%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 31 \u0633\u0646\u0629 \u0625\u0644\u0649 35 \u0633\u0646\u0629<\/td>\n<td>33<\/td>\n<td>18.9%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 36 \u0633\u0646\u0629 \u0625\u0644\u0649 40 \u0633\u0646\u0629<\/td>\n<td>79<\/td>\n<td>45.1%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 41 \u0633\u0646\u0629 \u0625\u0644\u0649 45 \u0633\u0646\u0629<\/td>\n<td>37<\/td>\n<td>21.1%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 46 \u0633\u0646\u0629 \u0625\u0644\u0649 50 \u0633\u0646\u0629<\/td>\n<td>18<\/td>\n<td>10.3%<\/td>\n<\/tr>\n<tr>\n<td>51 \u0633\u0646\u0629 \u0641\u0623\u0643\u062b\u0631<\/td>\n<td>6<\/td>\n<td>3.4%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"4\">\u0627\u0644\u0645\u0624\u0647\u0644 \u0627\u0644\u0639\u0644\u0645\u064a<\/td>\n<td>\u062f\u0628\u0644\u0648\u0645 \u0641\u0623\u0642\u0644<\/td>\n<td>6<\/td>\n<td>3.4%<\/td>\n<\/tr>\n<tr>\n<td>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633<\/td>\n<td>131<\/td>\n<td>74.9%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0627\u062c\u0633\u062a\u064a\u0631<\/td>\n<td>38<\/td>\n<td>21.7%<\/td>\n<\/tr>\n<tr>\n<td>\u062f\u0643\u062a\u0648\u0631\u0627\u0647<\/td>\n<td>&#8212;<\/td>\n<td>&#8212;<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"6\">\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u062e\u0628\u0631\u0629<\/td>\n<td>5 \u0633\u0646\u0648\u0627\u062a \u0641\u0623\u0642\u0644<\/td>\n<td>8<\/td>\n<td>4.6%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 5 \u0633\u0646\u0648\u0627\u062a \u0625\u0644\u0649 10 \u0633\u0646\u0648\u0627\u062a<\/td>\n<td>101<\/td>\n<td>57.7%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 11 \u0633\u0646\u0629 \u0625\u0644\u0649 15 \u0633\u0646\u0629<\/td>\n<td>57<\/td>\n<td>32.6%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 16 \u0633\u0646\u0629 \u0625\u0644\u0649 20 \u0633\u0646\u0629<\/td>\n<td>5<\/td>\n<td>2.9%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0646 21 \u0633\u0646\u0629 \u0625\u0644\u0649 25 \u0633\u0646\u0629<\/td>\n<td>4<\/td>\n<td>2.3%<\/td>\n<\/tr>\n<tr>\n<td>26 \u0633\u0646\u0629 \u0641\u0623\u0643\u062b\u0631<\/td>\n<td>&#8212;<\/td>\n<td>&#8212;<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"6\">\u0627\u0644\u0645\u0633\u0645\u0649 \u0627\u0644\u0648\u0638\u064a\u0641\u064a<\/td>\n<td>\u0645\u062f\u064a\u0631 \u062d\u0633\u0627\u0628\u0627\u062a<\/td>\n<td>4<\/td>\n<td>2.3%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0639\u0627\u0648\u0646 \u0645\u062f\u064a\u0631 \u062d\u0633\u0627\u0628\u0627\u062a<\/td>\n<td>4<\/td>\n<td>2.3%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062f\u064a\u0631 \u062a\u062f\u0642\u064a\u0642<\/td>\n<td>6<\/td>\n<td>3.4%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u0639\u0627\u0648\u0646 \u0645\u062f\u064a\u0631 \u062a\u062f\u0642\u064a\u0642<\/td>\n<td>8<\/td>\n<td>4.6%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062f\u0642\u0642<\/td>\n<td>56<\/td>\n<td>32.0%<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062d\u0627\u0633\u0628<\/td>\n<td>97<\/td>\n<td>55.4%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0627\u0639\u062a\u0645\u0627\u062f\u0627 \u0639\u0644\u0649 \u0646\u062a\u0627\u0626\u062c \u0628\u0631\u0646\u0627\u0645\u062c SPSS<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062d\u0627\u062f\u064a \u0639\u0634\u0631: \u0639\u0631\u0636 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0648\u0635\u0641\u064a \u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629: <\/strong>\u0628\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0627\u0646\u062d\u0631\u0627\u0641\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a\u0629\u060c \u0639\u0631\u0636 \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0648\u0635\u0641\u064a \u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u060c \u0648\u0628\u064a\u0646\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0645\u0624\u0634\u0631\u0627\u062a \u062c\u064a\u062f\u0629 \u0641\u064a\u0645\u0627 \u064a\u062e\u0635 \u0645\u0633\u064a\u0631\u0629 \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629 \u0641\u064a \u0643\u0644 \u0645\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0625\u0644\u0627 \u0623\u0646\u0647 \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u062c\u064a\u062f\u0629 \u0648\u0627\u0644\u0645\u062a\u0645\u062b\u0644\u0629 \u0628\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0645\u062a\u0648\u0633\u0637\u0629 \u0645\u0646 \u0627\u0644\u0645\u0633\u064a\u0631\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0625\u0644\u0627 \u0623\u0646\u0647 \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u062f\u064a\u0631\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0623\u0639\u0644\u0649 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644. \u0633\u062c\u0644\u062a \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u062f\u0631\u062c\u0627\u062a \u0645\u062a\u0648\u0633\u0637\u0629 \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0625\u0630 \u0633\u062c\u0644 \u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0645\u062a\u0648\u0633\u0637 \u062d\u0633\u0627\u0628\u064a (3.54)\u060c \u0628\u064a\u0646\u0645\u0627 \u0633\u062c\u0644 \u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u062a\u0648\u0633\u0637 \u062d\u0633\u0627\u0628\u064a \u0639\u0627\u0645 (3.61)\u060c \u0648\u0633\u062c\u0644 \u0627\u0644\u0645\u062c\u0627\u0644\u064a\u0646 \u0623\u064a\u0636\u0627\u064b \u062f\u0631\u062c\u0627\u062a \u0645\u0648\u0627\u0641\u0642\u0629 \u0645\u062a\u0648\u0633\u0637\u0629 \u0643\u0627\u0644\u0627\u062a\u064a: \u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 (3.66)\u060c \u0648\u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 (3.56). \u0643\u0645\u0627 \u0648\u0633\u062c\u0644\u062a \u062c\u0645\u064a\u0639 \u0627\u0644\u0627\u0646\u062d\u0631\u0627\u0641\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a\u0629 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0645\u0646\u062e\u0641\u0636\u0629 \u0644\u0645 \u062a\u0635\u0644 \u0625\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 1\u060c \u0648\u0647\u0630\u0627 \u064a\u0628\u0631\u0632 \u062a\u062c\u0645\u0639 \u0627\u0644\u0625\u062c\u0627\u0628\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627\u060c \u0645\u0645\u0627 \u064a\u0639\u0643\u0633 \u0627\u0644\u0625\u062c\u0645\u0627\u0639 \u0648\u0627\u0644\u062a\u0642\u0627\u0631\u0628 \u0628\u064a\u0646 \u0627\u0644\u0645\u0628\u062d\u0648\u062b\u064a\u0646.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (6): \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0627\u0646\u062d\u0631\u0627\u0641\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a\u0629 \u0644\u0639\u0631\u0636 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0648\u0635\u0641\u064a \u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0646\u0645\u0648\u0630\u062c (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u0627\u0644\u0645\u062c\u0627\u0644<\/strong><\/th>\n<th><strong>\u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062d\u0633\u0627\u0628\u064a<\/strong><\/th>\n<th><strong>\u0627\u0644\u0627\u0646\u062d\u0631\u0627\u0641 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a<\/strong><\/th>\n<th><strong>\u0627\u0644\u0631\u062a\u0628\u0629<\/strong><\/th>\n<th><strong>\u0627\u0644\u062f\u0631\u062c\u0629<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td colspan=\"5\">\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062d\u0633\u0627\u0628\u064a \u0627\u0644\u0639\u0627\u0645<\/td>\n<td>3.54<\/td>\n<td>0.63<\/td>\n<td>&#8212;<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\">\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>3.66<\/td>\n<td>0.63<\/td>\n<td>1<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>3.56<\/td>\n<td>0.48<\/td>\n<td>2<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062d\u0633\u0627\u0628\u064a \u0627\u0644\u0639\u0627\u0645<\/td>\n<td>3.61<\/td>\n<td>0.52<\/td>\n<td>&#8212;<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0635\u062f\u0631: \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0628\u0627\u062d\u062b \u0627\u0639\u062a\u0645\u0627\u062f\u0627 \u0639\u0644\u0649 \u0646\u062a\u0627\u0626\u062c \u0628\u0631\u0646\u0627\u0645\u062c SPSS<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062b\u0627\u0646\u064a \u0639\u0634\u0631: \u0646\u062a\u0627\u0626\u062c \u0627\u062e\u062a\u0628\u0627\u0631 \u0641\u0631\u0636\u064a\u0627\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u0646\u062a\u0642\u0644 \u0647\u0630\u0627 \u0627\u0644\u062c\u0632\u0621 \u0625\u0644\u0649 \u0639\u0631\u0636 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0628\u0631 \u062c\u0648\u0647\u0631 \u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629\u060c \u0648\u0647\u0648 \u0628\u0627\u0644\u0643\u0634\u0641 \u0639\u0646 \u0646\u062a\u0627\u0626\u062c \u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0627\u062a \u0648\u0627\u0644\u062a\u064a \u062a\u0645 \u0627\u062e\u062a\u0628\u0627\u0631\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0643\u0644 \u0645\u0646 \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0631\u0633\u0648\u0646 \u0648\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637\u060c \u0648\u0643\u0627\u0646\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0643\u0627\u0644\u0627\u062a\u064a:<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u0623\u0648\u0644\u0649: \u062a\u0648\u062c\u062f \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0639\u0631\u0636 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (7) \u0646\u062a\u0627\u0626\u062c \u0627\u062e\u062a\u0628\u0627\u0631 \u0647\u0630\u0647 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0631\u0633\u0648\u0646 \u0628\u064a\u0646 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a:<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (7): \u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0631\u0633\u0648\u0646 \u0644\u0639\u0631\u0636 \u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u0627\u0644\u0645\u062c\u0627\u0644<\/strong><\/th>\n<th><strong>\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>0.612**<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629<\/td>\n<td>0.701**<\/td>\n<\/tr>\n<tr>\n<td>\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/td>\n<td>0.692**<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong> \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u062f\u0627\u0644\u0629 \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 (\u03b1 \u22640.01 )<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0628\u064a\u0646\u062a \u0646\u062a\u0627\u0626\u062c \u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u064a\u0631\u0633\u0648\u0646 \u0639\u0644\u0627\u0642\u0627\u062a \u0637\u0631\u062f\u064a\u0629 \u062f\u0627\u0644\u0629 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u064b \u0628\u064a\u0646 \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u060c \u0643\u0645\u0627 \u0648\u0643\u0627\u0646\u062a \u062c\u0645\u064a\u0639 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u062f\u0627\u0644\u0629 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u064b \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 0.01\u060c \u0648\u062a\u0634\u064a\u0631 \u0647\u0630\u0647 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0637\u0631\u062f\u064a\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0631\u062a\u0641\u0627\u0639 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0631\u062a\u0641\u0627\u0639 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0645\u0648\u0645\u0627\u064b\u060c \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u0645\u0633\u062a\u0648\u064a\u0627\u062a\u0647\u0627 \u0645\u062c\u0627\u0644\u0627\u062a\u0647\u0627 \u0623\u064a\u0636\u0627\u064b. \u0633\u062c\u0644\u062a \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (0.692**)\u060c \u0648\u0633\u062c\u0644\u062a \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 (0.612**)\u060c \u0648\u0633\u062c\u0644\u062a \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 (0.701**). \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0641\u0625\u0646\u0647 \u064a\u0645\u0643\u0646 \u062f\u0639\u0645 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629: \u064a\u0648\u062c\u062f \u0623\u062b\u0631 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0623\u0628\u0639\u0627\u062f\u0647\u0627 (\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629) \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629.<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637 \u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0648\u064a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (8):<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (8): \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637 \u0644\u0639\u0631\u0636 \u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th rowspan=\"2\">\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a<\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 R<\/strong><\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0627\u0644\u0645\u0641\u0633\u0631 R2<\/strong><\/th>\n<th><strong>\u0642\u064a\u0645\u0629 F<\/strong><\/th>\n<th colspan=\"2\"><strong>\u062f\u0627\u0644\u0629 \u0627\u0644\u0646\u0645\u0648\u0630\u062c<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>0.692<\/td>\n<td>0.479<\/td>\n<td>158.859<\/td>\n<td colspan=\"2\">0.000*<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0644<\/strong><\/td>\n<td colspan=\"2\"><strong>\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629<\/strong><\/td>\n<td><strong>\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629<\/strong><\/td>\n<td colspan=\"2\"><strong>\u0627\u062e\u062a\u0628\u0627\u0631 (T)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u0642\u064a\u0645\u0629 b<\/strong><\/td>\n<td><strong>\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a<\/strong><\/td>\n<td><strong>\u0642\u064a\u0645\u0629 \u0628\u064a\u062a\u0627 (\u03b2)<\/strong><\/td>\n<td><strong>\u0642\u064a\u0645\u0629 (T)<\/strong><\/td>\n<td><strong>\u0627\u0644\u062f\u0627\u0644\u0629<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 (a)<\/td>\n<td>1.583<\/td>\n<td>0.164<\/td>\n<td>&#8212;<\/td>\n<td>9.664<\/td>\n<td>0.000*<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<td>0.573<\/td>\n<td>0.045<\/td>\n<td>0.692<\/td>\n<td>12.604<\/td>\n<td>0.000*<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0627\u0628\u0639: \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0623\u062b\u0631 \u062f\u0627\u0644 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u064b \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 (\u03b1 \u2264 0.05)<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0639\u0631\u0636 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (8) \u0646\u062a\u0627\u0626\u062c \u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637\u060c \u0648\u0628\u064a\u0646\u062a \u0648\u062c\u0648\u062f \u0623\u062b\u0631 \u0645\u0639\u0646\u0648\u064a \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 0.05 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629\u060c \u0633\u062c\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0645\u0639\u0627\u0645\u0644 F \u0645\u062d\u0633\u0648\u0628 \u0628\u0644\u063a (158.859). \u0633\u062c\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0645\u0639\u0627\u0645\u0644 \u0627\u0631\u062a\u0628\u0627\u0637 R \u0628\u0644\u063a (0.692)\u060c \u0648\u0647\u0630\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0625\u064a\u062c\u0627\u0628\u064a\u0629 \u0628\u0645\u0633\u062a\u0648\u0649 \u0645\u062a\u0648\u0633\u0637\u060c \u0623\u064a \u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0642\u0627\u0628\u0644\u0647\u0627 \u0627\u0631\u062a\u0641\u0627\u0639 \u0628\u062f\u0631\u062c\u0629 \u0645\u062a\u0648\u0633\u0637\u0629 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0641\u062a\u0631\u0636\u0647 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u062f\u0631\u0627\u0633\u0629\u060c \u0643\u0645\u0627 \u0633\u062c\u0644 \u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0627\u0644\u0645\u0641\u0633\u0631 R<sup>2<\/sup> \u0641\u064a \u0627\u0644\u0646\u0645\u0648\u0630\u062c (0.479)\u060c \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 47.9% \u0645\u0646 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0641\u064a \u062d\u0635\u0648\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0633\u0628\u0628\u0647\u0627 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0645\u0645\u0627 \u064a\u062f\u0644\u0644 \u0639\u0644\u0649 \u062c\u0648\u0647\u0631\u064a\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u062a\u0641\u0633\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0623\u062e\u064a\u0631\u0627\u064b\u060c \u0633\u062c\u0644 \u0645\u0639\u0627\u0645\u0644 \u0628\u064a\u062a\u0627 (.692)\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0643\u0644 1% \u0645\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u064a\u0642\u0627\u0628\u0644\u0647\u0627 \u062a\u062d\u0633\u064a\u0646 \u0628\u0645\u0642\u062f\u0627\u0631 69.2% \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u062a\u0634\u064a\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0625\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062f\u0639\u0645 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u064a\u0648\u062c\u062f \u0623\u062b\u0631 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637 \u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0627\u0644\u0627\u0648\u0644\u0649 \u0648\u064a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (9):<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (9):\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637 \u0644\u0639\u0631\u0636 \u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th rowspan=\"2\">\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a<\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 R<\/strong><\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0627\u0644\u0645\u0641\u0633\u0631 R2<\/strong><\/th>\n<th><strong>\u0642\u064a\u0645\u0629 F<\/strong><\/th>\n<th colspan=\"2\"><strong>\u062f\u0627\u0644\u0629 \u0627\u0644\u0646\u0645\u0648\u0630\u062c<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>0.612<\/td>\n<td>0.375<\/td>\n<td>103.596<\/td>\n<td colspan=\"2\">0.000*<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0644<\/strong><\/td>\n<td colspan=\"2\"><strong>\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629<\/strong><\/td>\n<td><strong>\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629<\/strong><\/td>\n<td colspan=\"2\"><strong>\u0627\u062e\u062a\u0628\u0627\u0631 (T)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u0642\u064a\u0645\u0629 b<\/strong><\/td>\n<td><strong>\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a<\/strong><\/td>\n<td><strong>\u0642\u064a\u0645\u0629 \u0628\u064a\u062a\u0627 (\u03b2)<\/strong><\/td>\n<td><strong>\u0642\u064a\u0645\u0629 (T)<\/strong><\/td>\n<td><strong>\u0627\u0644\u062f\u0627\u0644\u0629<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 (a)<\/td>\n<td>1.497<\/td>\n<td>0.216<\/td>\n<td>&#8212;<\/td>\n<td>6.924<\/td>\n<td>0.000*<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<td>0.610<\/td>\n<td>0.060<\/td>\n<td>0.612<\/td>\n<td>10.178<\/td>\n<td>0.000*<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0627\u0628\u0639: \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0623\u062b\u0631 \u062f\u0627\u0644 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u064b \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 (\u03b1 \u2264 0.05)<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0639\u0631\u0636 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (9) \u0646\u062a\u0627\u0626\u062c \u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637\u060c \u0648 \u0628\u064a\u0646\u062a \u0648\u062c\u0648\u062f \u0623\u062b\u0631 \u0645\u0639\u0646\u0648\u064a \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 0.05 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629\u060c \u0633\u062c\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0645\u0639\u0627\u0645\u0644 F \u0645\u062d\u0633\u0648\u0628 \u0628\u0644\u063a (103.596). \u0633\u062c\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0645\u0639\u0627\u0645\u0644 \u0627\u0631\u062a\u0628\u0627\u0637 R \u0628\u0644\u063a (0.612)\u060c \u0648\u0647\u0630\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0625\u064a\u062c\u0627\u0628\u064a\u0629 \u0628\u0645\u0633\u062a\u0648\u0649 \u0645\u062a\u0648\u0633\u0637\u060c \u0623\u064a \u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0642\u0627\u0628\u0644\u0647\u0627 \u0627\u0631\u062a\u0641\u0627\u0639 \u0628\u062f\u0631\u062c\u0629 \u0645\u062a\u0648\u0633\u0637\u0629 \u0641\u064a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0641\u062a\u0631\u0636\u0647 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u062f\u0631\u0627\u0633\u0629\u060c \u0643\u0645\u0627 \u0633\u062c\u0644 \u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0627\u0644\u0645\u0641\u0633\u0631R<sup>2<\/sup> \u0641\u064a \u0627\u0644\u0646\u0645\u0648\u0630\u062c (0.375)\u060c \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 37.5% \u0645\u0646 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0641\u064a \u062d\u0635\u0648\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0633\u0628\u0628\u0647\u0627 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0645\u0645\u0627 \u064a\u062f\u0644\u0644 \u0639\u0644\u0649 \u062c\u0648\u0647\u0631\u064a\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u062a\u0641\u0633\u064a\u0631 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629. \u0623\u062e\u064a\u0631\u0627\u064b\u060c \u0633\u062c\u0644 \u0645\u0639\u0627\u0645\u0644 \u0628\u064a\u062a\u0627 (.612)\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0643\u0644 1% \u0645\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u064a\u0642\u0627\u0628\u0644\u0647\u0627 \u062a\u062d\u0633\u064a\u0646 \u0628\u0645\u0642\u062f\u0627\u0631 61.2% \u0641\u064a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629. \u062a\u0634\u064a\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0625\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062f\u0639\u0645 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n<p style=\"text-align: justify;\"><strong>\u064a\u0648\u062c\u062f \u0623\u062b\u0631 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629\u060c<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637 \u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0648\u064a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (10):<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (10): \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637 \u0644\u0639\u0631\u0636 \u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 (\u0646= 175)<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th rowspan=\"2\">\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a<\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 R<\/strong><\/th>\n<th><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0627\u0644\u0645\u0641\u0633\u0631 R2<\/strong><\/th>\n<th><strong>\u0642\u064a\u0645\u0629 F<\/strong><\/th>\n<th colspan=\"2\"><strong>\u062f\u0627\u0644\u0629 \u0627\u0644\u0646\u0645\u0648\u0630\u062c<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>0.701<\/td>\n<td>0.491<\/td>\n<td>166.991<\/td>\n<td colspan=\"2\">0.000*<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0644<\/strong><\/td>\n<td colspan=\"2\"><strong>\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629<\/strong><\/td>\n<td><strong>\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629<\/strong><\/td>\n<td colspan=\"2\"><strong>\u0627\u062e\u062a\u0628\u0627\u0631 (T)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u0642\u064a\u0645\u0629 b<\/strong><\/td>\n<td><strong>\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a<\/strong><\/td>\n<td><strong>\u0642\u064a\u0645\u0629 \u0628\u064a\u062a\u0627 (\u03b2)<\/strong><\/td>\n<td><strong>\u0642\u064a\u0645\u0629 (T)<\/strong><\/td>\n<td><strong>\u0627\u0644\u062f\u0627\u0644\u0629<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 (a)<\/td>\n<td>1.669<\/td>\n<td>0.149<\/td>\n<td>&#8212;<\/td>\n<td>11.182<\/td>\n<td>0.000*<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<td>0.535<\/td>\n<td>0.041<\/td>\n<td>0.701<\/td>\n<td>12.923<\/td>\n<td>0.000*<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0627\u0628\u0639: \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0623\u062b\u0631 \u062f\u0627\u0644 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u064b \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 (\u03b1 \u2264 0.05)<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0639\u0631\u0636 \u0627\u0644\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 (10) \u0646\u062a\u0627\u0626\u062c \u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u062e\u0637\u064a \u0627\u0644\u0628\u0633\u064a\u0637\u060c \u0648\u0628\u064a\u0646\u062a \u0648\u062c\u0648\u062f \u0623\u062b\u0631 \u0645\u0639\u0646\u0648\u064a \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062f\u0644\u0627\u0644\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 0.05 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629\u060c \u0633\u062c\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0645\u0639\u0627\u0645\u0644F \u0645\u062d\u0633\u0648\u0628 \u0628\u0644\u063a (166.991). \u0633\u062c\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0645\u0639\u0627\u0645\u0644 \u0627\u0631\u062a\u0628\u0627\u0637 R \u0628\u0644\u063a (0.701)\u060c \u0648\u0647\u0630\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0639\u0644\u0627\u0642\u0629 \u0627\u0631\u062a\u0628\u0627\u0637 \u0625\u064a\u062c\u0627\u0628\u064a\u0629 \u0628\u0645\u0633\u062a\u0648\u0649 \u0645\u0631\u062a\u0641\u0639\u060c \u0623\u064a \u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0642\u0627\u0628\u0644\u0647\u0627 \u0627\u0631\u062a\u0641\u0627\u0639 \u0628\u062f\u0631\u062c\u0629 \u0645\u0631\u062a\u0641\u0639\u0629 \u0641\u064a \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0641\u062a\u0631\u0636\u0647 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u062f\u0631\u0627\u0633\u0629\u060c \u0643\u0645\u0627 \u0633\u062c\u0644 \u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0627\u0644\u0645\u0641\u0633\u0631R<sup>2<\/sup> \u0641\u064a \u0627\u0644\u0646\u0645\u0648\u0630\u062c (0.491)\u060c \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 49.1% \u0645\u0646 \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0641\u064a \u062d\u0635\u0648\u0644 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0633\u0628\u0628\u0647\u0627 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0645\u0645\u0627 \u064a\u062f\u0644\u0644 \u0639\u0644\u0649 \u062c\u0648\u0647\u0631\u064a\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u062a\u0641\u0633\u064a\u0631 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629. \u0623\u062e\u064a\u0631\u0627\u064b\u060c \u0633\u062c\u0644 \u0645\u0639\u0627\u0645\u0644 \u0628\u064a\u062a\u0627 (.701)\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0643\u0644 1% \u0645\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u064a\u0642\u0627\u0628\u0644\u0647\u0627 \u062a\u062d\u0633\u064a\u0646 \u0628\u0645\u0642\u062f\u0627\u0631 70.1% \u0641\u064a \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629. \u062a\u0634\u064a\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0625\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062f\u0639\u0645 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0628\u062d\u062b \u0627\u0644\u0631\u0627\u0628\u0639: \u0627\u0644\u0627\u0633\u062a\u0646\u062a\u0627\u062c\u0627\u062a \u0648\u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u062d\u062a\u0648\u064a \u0647\u0630\u0627 \u0627\u0644\u0642\u0633\u0645 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0628\u062d\u062b \u0639\u0644\u0649 \u0623\u0647\u0645 \u0627\u0644\u0627\u0633\u062a\u0646\u062a\u0627\u062c\u0627\u062a \u0648\u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0635\u0644 \u0627\u0644\u064a\u0647\u0627 \u0627\u0644\u0628\u0627\u062d\u062b \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u062b\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 \u062a\u0631\u0628\u064a\u0629 \u0627\u0644\u0628\u0635\u0631\u0629\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a \u0648\u0643\u0630\u0644\u0643 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0645\u0627 \u0627\u062d\u062a\u0648\u0627\u0647 \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0646\u0638\u0631\u064a.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0627\u0633\u062a\u0646\u062a\u0627\u062c\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0623\u0638\u0647\u0631\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0648\u062c\u0648\u062f \u0645\u0633\u062a\u0648\u0649 \u0645\u062a\u0648\u0633\u0637 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0645\u062f\u064a\u0631\u064a\u0629 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\u0623\u062b\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0633\u064a\u0627\u0642 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">\u062f\u0631\u0627\u0633\u0629 \u0623\u062b\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0631\u0636\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0641\u064a \u0633\u064a\u0627\u0642 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">\u062f\u0631\u0627\u0633\u0629 \u0623\u062b\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0648\u062c\u0648\u062f \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u0643\u0645\u062a\u063a\u064a\u0631 \u0645\u0639\u062f\u0644 \u0641\u064a \u0633\u064a\u0627\u0642 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">\u062f\u0631\u0627\u0633\u0629 \u0623\u062b\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0639\u0644\u0649 \u062c\u0648\u062f\u0629 \u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u062f\u0627\u062e\u0644\u064a \u0628\u0648\u062c\u0648\u062f \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u0643\u0645\u062a\u063a\u064a\u0631 \u0645\u0639\u062f\u0644 \u0641\u064a \u0633\u064a\u0627\u0642 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">\u062f\u0631\u0627\u0633\u0629 \u0623\u062b\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0639\u0644\u0649 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0633\u064a\u0627\u0642 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">References:<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Abdulreda, M. S., Kareem, H. M., &amp; Harjan, S. A. (2020). Financial Technology and its Role in Achieving Sustainable Development. Cihan University-Erbil Journal of Humanities and Social Sciences, 4(2), 127-135. https:\/\/doi.org\/10.24086\/cuejhss.v4n2y2020.pp127-135<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Amin, M., Gohar, M., &amp; Ali, I. (2025). Impact of digital transformation on SME\u2019s marketing performance: role of social media and market turbulence. Discover Sustainability, 6(1), 378.\u200f https:\/\/doi.org\/10.1007\/s43621-025-01228-3.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Antwi-Wiafe, K., Asante, G. N., &amp; Takyi, P. O. (2023). Is financial technology a complement or substitute for domestic financial institutions in Ghana?. Journal of Financial Economic Policy, 15(4-5), 424-443.\u200f DOI 10.1108\/JFEP-02-2023-0038.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Ayodeji, D. C., Oyeyipo, I., Nwaozomudoh, M. O., Isibor, N. J., Obianuju, E. A. B. A. M., &amp; Onwuzulike, C. (2024). Modeling the future of finance: Digital transformation, fintech innovations, market adaptation, and strategic growth. World Journal of Innovation and Modern Technology, 8(6), 138-184.\u200f https:\/\/doi.org\/10.56201\/wjimt.v8.no6.2024.pg138.184.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Baiyere, A., Salmela, H., &amp; Tapanainen, T. (2020). Digital transformation and the new logics of business process management. European journal of information systems, 29(3), 238-259.\u200f https:\/\/doi.org\/10.1080\/0960085X.2020.1718007.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Bergmann, M., Ma\u00e7ada, A. C. G., de Oliveira Santini, F., &amp; Rasul, T. (2023). Continuance intention in financial technology: a framework and meta-analysis. International Journal of Bank Marketing, 41(4), 749-786.\u200f DOI 10.1108\/IJBM-04-2022-0168.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Bondar, S., Hsu, J. C., Pfouga, A., &amp; Stjepandi\u0107, J. (2017). Agile digital transformation of System-of-Systems architecture models using Zachman framework. Journal of Industrial Information Integration, 7, 33-43.\u200f 10.1016\/j.jii.2017.03.001.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Bougie, R., &amp; Sekaran, U. (2019). Research methods for business: A skill building approach. john wiley &amp; sons.https:\/\/www.wiley-vch.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Butt, A., Imran, F., Helo, P., &amp; Kantola, J. (2024). Strategic design of culture for digital transformation. Long Range Planning, 57(2), 102415.\u200f https:\/\/doi.org\/10.1016\/j.lrp.2024.102415.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Cennamo, C., Dagnino, G. B., Di Minin, A., &amp; Lanzolla, G. (2020). Managing digital transformation: Scope of transformation and modalities of value co-generation and delivery. 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Technological Forecasting and Social Change, 178, 121571.\u200f 10.1016\/j.techfore.2022.121571.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Chwi\u0142kowska-Kubala, A., Cyfert, S., Malewska, K., Mierzejewska, K., &amp; Szumowski, W. (2023). The impact of resources on digital transformation in energy sector companies. The role of readiness for digital transformation. Technology in Society, 74, 102315.\u200f https:\/\/doi.org\/10.1016\/j.techsoc.2023.102315.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Efawati, Y., Rachman, A., Andriani, R., &amp; Veranita, M. (2025). Digital Transformation and Organizational Resilience: The Mediating Role of Digital Literacy. International Journal Administration, Business &amp; Organization, 6(3), 457-471.\u200f https:\/\/ijabo.a3i.or.id\/index.php\/ijabo.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Farida, M. N., Soesatyo, Y., &amp; Aji, T. S. (2021). 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Sustainability, 13(22), 12844.\u200f https:\/\/doi.org\/10.3390\/su132212844.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Hamou Iskandar, Zahraa Jarallah. (2020). The role of financial technology in enhancing the effectiveness of financial inclusion. A standard study of the opinions of a sample of employees at the Mosul Bank for Development and Investment in Nineveh Governorate. Journal of Management and Economics, Volume (9), Issue (30). https:\/\/search.emarefa.net<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Harfoush, Saida. (2019). Financial Technology: A Promising Industry in the Arab World. Scientific Horizons, 11(3), 724-744. https:\/\/doi.org\/10.35554\/1697-011-003-041.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Hess, T., Matt, C., Benlian, A., &amp; Wiesb\u00f6ck, F. (2020). Options for formulating a digital transformation strategy. In Strategic information management (pp. 151-173). Routledge.\u200f https:\/\/doi.org\/10.4324\/9780429286797-7.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Hidayati, N. (2022). Digital transformation and human resources readiness: A strategic concept higher education value. International Journal of Economics, Business and Accounting Research (IJEBAR), 6(3), 1269-1277.\u200f https:\/\/jurnal.stie-aas.ac.id\/index.php\/IJEBAR.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Hinings, B., Gegenhuber, T., &amp; Greenwood, R. (2018). Digital innovation and transformation: An institutional perspective. Information and organization, 28(1), 52-61.\u200f 10.1016\/j.infoandorg.2018.02.004.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Hua, X., Huang, Y., &amp; Zheng, Y. (2019). Current practices, new insights, and emerging trends of financial technologies. Industrial management &amp; data systems, 119(7), 1401-1410.\u200f DOI 10.1108\/IMDS-08-2019-0431.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Huynh Thi Thu, S., Pham, M., &amp; Luc, H. N. (2025). Leveraging digital human resource management to optimize organizational performance in Vietnam. Humanities and Social Sciences Communications, 12(1), 802.\u200f https:\/\/doi.org\/10.1057\/s41599-025-05113-2.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Kampoowale, I., Hussien Musa, A. M., Adam Abdalla, A. A., Iftikhar, H., Abdelraheem, A. A. E., &amp; Elamin Elboukhari, Y. A. (2026). Assessing the mediating role of human capital in the relationship between digital transformation and firm performance. Journal of Manufacturing Technology Management, 37(1), 1-22.\u200f https:\/\/doi.org\/10.1108\/JMTM-02-2025-0122.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Khalifa, Nabil Ali Mohammed and Al-Makhlafi, Mutahhar Saif. (2026). 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Sage Open, 11(3), 21582440211047576.\u200f https:\/\/creativecommons.org\/licenses\/by\/4.0.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Lu, Y.; Wang, H.; Xu, X. (2019). Manu Service ontology: A product data model for service-oriented business interactions in a cloud manufacturing environment. J. Intell. Manuf. 2019, 30, 317\u2013334. https:\/\/doi.org\/10.1007\/s10845-016-1250-x.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Maqbuli, H. A., &amp; Al-Mahmoudi, F. M. (2026). Digital transformation and organizational performance: Evidence from the banking sector in a developing economy. Social Sciences &amp; Humanities Open, 13, 102573.\u200f https:\/\/doi.org\/10.1016\/j.ssaho.2026.102573.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Mittal, R., Kathuria, T., Saini, M., Dhingra, B., &amp; Yadav, M. (2023). Effect of financial inclusion and fintech on the effectiveness of Indian monetary policy: an empirical investigation. 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Integrating Fintech, CSR, and green finance: impacts on financial and environmental performance in China. Humanities and Social Sciences Communications, 12(1), 1072.\u200f https:\/\/doi.org\/10.1057\/s41599-025-05064-8.<\/p>\n<p dir=\"ltr\" style=\"text-align: justify;\">Zareie, M., Attig, N., El Ghoul, S., &amp; Fooladi, I. (2024). Firm digital transformation and corporate performance: The moderating effect of organizational capital. Finance Research Letters, 61, 105032.\u200f https:\/\/doi.org\/10.1016\/j.frl.2024.105032.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0645\u0642\u062f\u0645\u0629 \u0623\u0635\u0628\u062d \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0623\u0648\u0644\u0648\u064a\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0645\u0631\u0643\u0632\u064a\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u0639\u0649 \u0625\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u0623\u062f\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644\u060c \u0648\u0642\u062f \u0623\u062f\u062a \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u0623\u062a\u0645\u062a\u0629 \u0648\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0625\u0644\u0649 \u0625\u0639\u0627\u062f\u0629 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_joinchat":[],"footnotes":""},"class_list":["post-18222","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/18222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/comments?post=18222"}],"version-history":[{"count":1,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/18222\/revisions"}],"predecessor-version":[{"id":18305,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/18222\/revisions\/18305"}],"wp:attachment":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/media?parent=18222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}