{"id":11903,"date":"2024-11-30T18:02:52","date_gmt":"2024-11-30T18:02:52","guid":{"rendered":"https:\/\/www.hnjournal.net\/?page_id=11903"},"modified":"2024-11-30T18:03:22","modified_gmt":"2024-11-30T18:03:22","slug":"5-12-14","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/en\/5-12-14\/","title":{"rendered":""},"content":{"rendered":"\n

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\u0628\u0631\u064a\u062f \u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a: amirradfan95@gmail.com<\/p>\n\n\n\n
HNSJ, 2024, 5(12); https:\/\/doi.org\/10.53796\/hnsj512\/14<\/p>\n\n\n\n
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\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062a\u0648\u062b\u064a\u0642<\/h4> \t\t\n<\/textarea> \n<style>\n#citationtitle {\nfont-family:verdana;\n}\n#value {\nfont-family:adobe arabic;\n background-color:#FFF;\n width:700px;\nheight:70px;\n}\n#language.option{\ntype:text;\n}\n<\/style>\n \t\t<script type=\"text\/javascript\"> \n \t\t\tfunction update() { \n \t\t\t\tvar select = document.getElementById('language'); \n \t\t\t\tvar option = select.options[select.selectedIndex]; \n \t\t\t\tdocument.getElementById('value').value = option.value; \n \t\t\t} \n \t\t\tupdate(); \n \t\t<\/script> \n \t<\/body> \n <\/html>\n\n\n\u0627\u0644\u0645\u0633\u062a\u062e\u0644\u0635 <\/strong><\/p>\n\u062a\u0648\u0636\u062d \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0634\u0643\u0644\u062a \u0628\u0639\u062f \u0627\u0644\u0627\u0646\u0642\u0633\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0625\u0630 \u062a\u0637\u0648\u0631\u062a \u0648\u0638\u0647\u0631\u062a \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0643\u0630\u0644\u0643 \u062a\u0637\u0648\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0646\u0642\u0648\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0648\u0642\u062f \u062a\u0648\u0635\u0644\u062a \u0625\u0644\u0649 \u0646\u062a\u0627\u0626\u062c \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0648\u0631 \u0644\u0627 \u064a\u062d\u0642\u0642 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0630\u064a \u064a\u0646\u0639\u0643\u0633 \u062a\u0646\u0645\u064a\u0629 \u0645\u0633\u062a\u062f\u0627\u0645\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0627\u0646 \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648 \u0641\u064a \u0639\u062f\u062f \u0627\u0644\u0628\u0646\u0648\u0643 \u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0646\u062a\u0627\u0626\u062c \u0642\u0631\u0627\u0631\u0627\u062a \u062d\u0627\u0648\u0644 \u0627\u0644\u0628\u0646\u0643 \u0628\u0641\u0631\u0639\u064a\u0629 \u0635\u0646\u0639\u0627\u0621 \u0648\u0639\u062f\u0646 \u0628\u0647\u0627 \u0627\u0635\u0644\u0627\u062d \u0627\u0644\u0648\u0636\u0639 \u0648\u0644\u064a\u0633 \u0644\u0647\u0627 \u062c\u062f\u0648\u0649 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u062c\u0639\u0644 \u0645\u0633\u062a\u0642\u0628\u0644 \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0648\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u0643 \u0648\u0642\u062f \u0642\u062f\u0645\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u062a\u0648\u0635\u064a\u0627\u062a \u0623\u0647\u0645\u0647\u0627 \u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0628\u062f\u0644 \u0645\u0646 \u0627\u0644\u062a\u0646\u0627\u0641\u0633 \u0648\u0639\u0644\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 .<\/p>\n\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong>\u0627\u0644\u0627\u0646\u0642\u0633\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u060c\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0631\u0633\u0645\u064a \u0648\u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a<\/p>\n<a id=\"post-11903-GrindEQpgref5f741fe61\"><\/a>Research title <\/strong><\/p>\nFuture Prospects for Financial Inclusion in Light of the Division of the Central Bank in the Republic of Yemen<\/strong><\/p>\nPublished at 01\/12\/2024 Accepted at 15\/11\/2024 <\/strong><\/p>\nAbstract <\/strong><\/p>\nThe study examines the banking environment shaped after the banking split, during which numerous banks emerged, and the use of electronic money developed. The study concluded that this growth does not achieve financial inclusion, which reflects true sustainable development. This expansion in the number of banks and electronic banking services resulted from decisions made by the two branches of the central bank in Sana\u2019a and Aden to address the situation, yet it holds no real<\/p>\neconomic benefit. This casts doubt on the future of this development. The study offered recommendations, most notably encouraging banks to pursue integration rather than competition and urging authorities to support commercial banks.<\/p>\n\u0645\u0642\u062f\u0645\u0629<\/strong><\/p>\n\u064a\u062a\u062d\u0642\u0642 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0648\u0635\u0648\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0648\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0643\u0627\u0641\u0629 \u0641\u0626\u0627\u062a \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u060c \u0648\u0639\u0644\u064a\u0647 \u064a\u062a\u0637\u0644\u0628 \u0647\u0630\u0627 \u0628\u064a\u0626\u0629 \u0645\u0633\u062a\u0642\u0631 \u062a\u0645\u0643\u0646 \u0648\u0627\u0636\u0639\u064a \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0645\u0646 \u0648\u0636\u0639 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 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\u0644\u0644\u0625\u0637\u0644\u0627\u0639 \u0641\u064a https:\/\/www.newsyemen.net\/new\/92593 <a href=\"#post-11903-footnote-ref-15\">\u2191<\/a><\/p>\n<\/li>\n<li id=\"post-11903-footnote-16\" style=\"text-align: justify;\">\n\u0645\u062a\u0627\u062d \u0644\u0644\u0625\u0637\u0644\u0627\u0639 \u0641\u064a https:\/\/www.unmoneye.com\/ar\/about-us <a href=\"#post-11903-footnote-ref-16\">\u2191<\/a><\/p>\n<\/li>\n<li id=\"post-11903-footnote-17\" style=\"text-align: justify;\">\n\u062a\u062d\u062f\u064a\u0627\u062a \u0648\u0627\u0641\u0627\u0642 \u0627\u0644\u0646\u0642\u0648\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u060c\u0635(\u0662\u0664) <a href=\"#post-11903-footnote-ref-17\">\u2191<\/a><\/p>\n<\/li>\n<li id=\"post-11903-footnote-18\" style=\"text-align: justify;\">\n\u0661\u0668)-\u0639\u0628\u062f \u0627\u0644\u0639\u0644\u064a \u0645\u062d\u0645\u062f \u0627\u0644\u0633\u0645\u0627\u0648\u064a \u0648\u0622\u062e\u0631\u0648\u0646\u060c \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0641\u064a \u0627\u0644\u064a\u0645\u0646: \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0648\u0641\u0631\u0635 \u0627\u0644\u0646\u062c\u0627\u062d : ” \u0645\u0639\u0647\u062f \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u062a\u0627\u062d \u0641\u064a<\/p>\nhttps:\/\/drive.google.com\/file\/d\/1bB6tOVw1gt5UnXNr99UfCNq_VhqrG9ob\/view?usp=sharing \u062a\u0645 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u064a\u0647 \u0641\u064a \u0662\u0665\/\u0661\u0660\/\u0662\u0660\u0662\u0664\u0645 <a href=\"#post-11903-footnote-ref-18\">\u2191<\/a><\/p>\n<\/li>\n<li id=\"post-11903-footnote-19\" style=\"text-align: justify;\">\n\u0646\u0641\u0633 \u0627\u0644\u0645\u0631\u062c\u0639 \u0635 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[…]<\/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,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_joinchat":[],"footnotes":""},"class_list":["post-11903","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/pages\/11903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/comments?post=11903"}],"version-history":[{"count":1,"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/pages\/11903\/revisions"}],"predecessor-version":[{"id":11910,"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/pages\/11903\/revisions\/11910"}],"wp:attachment":[{"href":"https:\/\/www.hnjournal.net\/en\/wp-json\/wp\/v2\/media?parent=11903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}}}}}