{"id":3602,"date":"2024-10-27T16:06:44","date_gmt":"2024-10-27T16:06:44","guid":{"rendered":"http:\/\/journal.ziu-university.net\/?p=3602"},"modified":"2024-11-01T13:33:19","modified_gmt":"2024-11-01T13:33:19","slug":"%d9%82%d9%8a%d8%a7%d8%b3-%d8%a7%d9%84%d8%b3%d9%8a%d9%88%d9%84%d8%a9-%d8%a8%d8%a7%d8%b3%d8%aa%d8%ae%d8%af%d8%a7%d9%85-%d9%83%d8%b4%d9%81-%d8%a7%d9%84%d8%aa%d8%af%d9%81%d9%82%d8%a7%d8%aa-%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/journal.ziu.edu.sy\/?p=3602","title":{"rendered":"\u0642\u064a\u0627\u0633 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0643\u0634\u0641 \u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0648\u0623\u062b\u0631\u0647\u0627 \u0639\u0644\u0649\u00a0\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0639\u062f\u0645 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u062f\u0631\u0627\u0633\u0629 \u0627\u062e\u062a\u0628\u0627\u0631\u064a\u0629 \u0639\u0644\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u062f\u0631\u062c\u0629 \u0628\u0628\u0648\u0631\u0635\u0629 \u0639\u0645\u0627\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 2000-2020"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u0627\u0644\u0645\u0644\u062e\u0635:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0647\u062f\u0641\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u0629 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0623\u062b\u0631\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0639\u062f\u0645 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u0648\u0644\u062a\u062d\u0642\u064a\u0642 \u0630\u0644\u0643 \u062a\u0645 \u062a\u062c\u0645\u064a\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0642\u064a\u0645 \u062d\u0642\u064a\u0642\u064a\u0629 \u0645\u0648\u062c\u0648\u062f\u0629 \u0628\u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0637\u0628\u0642\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0639\u0644\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u062f\u0631\u062c\u0629 \u0628\u0628\u0648\u0631\u0635\u0629 \u0639\u0645\u0627\u0646- \u0627\u0644\u0623\u0631\u062f\u0646\u060c \u062d\u064a\u062b \u0634\u0645\u0644\u062a 13 \u0628\u0646\u0643\u0627\u064b \u0645\u0646 \u0623\u0635\u0644 15 \u0628\u0646\u0643\u060c \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 2000-2020\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0649 \u0623\u0646\u0647 \u0644\u064a\u0633 \u0647\u0646\u0627\u0643 \u0623\u062b\u0631 \u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0645\u0642\u0627\u0633\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 (\u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0633\u0627\u0626\u0644\u0629 \u00f7 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a)\u060c \u0648\u0643\u0630\u0644\u0643 \u0627\u0644\u0645\u0642\u0627\u0633\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 (\u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0633\u0627\u0626\u0644\u0629 \u00f7 \u0627\u0644\u0648\u062f\u0627\u0626\u0639)\u060c \u0641\u064a \u062d\u064a\u0646 \u062a\u0628\u064a\u0646 \u0628\u0623\u0646 \u0647\u0646\u0627\u0643 \u0623\u062b\u0631 \u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u0642\u0627\u0633\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 (\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u00f7 \u0627\u0644\u0623\u0635\u0648\u0644)\u060c \u0643\u0645\u0627 \u062a\u0648\u0635\u0644\u062a \u0643\u0630\u0644\u0643 \u0628\u0623\u0646 \u0644\u064a\u0633 \u0647\u0646\u0627\u0643 \u0623\u062b\u0631 \u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u0642\u0627\u0633\u0629 \u0628\u0643\u0644 \u0645\u0646 (\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u00f7 \u0627\u0644\u0648\u062f\u0627\u0626\u0639) \u0648(\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u00f7 \u0627\u0644\u0623\u0635\u0648\u0644)\u060c \u0648\u0643\u0630\u0644\u0643 \u0644\u064a\u0633 \u0647\u0646\u0627\u0643 \u0623\u062b\u0631 \u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u0642\u0627\u0633\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 (\u0645\u0635\u0631\u0648\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u00f7 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0635\u0648\u0644)\u060c \u0641\u064a \u062d\u064a\u0646 \u062a\u0628\u064a\u0646 \u0628\u0623\u0646 \u0647\u0646\u0627\u0643 \u0623\u062b\u0631 \u0627\u064a\u062c\u0627\u0628\u064a&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 \u0639\u062f\u0645 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u0642\u0627\u0633\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 \u0643\u0644 (\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u00f7 \u0627\u0644\u0623\u0635\u0648\u0644)\u060c (\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u00f7 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u062e\u0637\u0631\u0629) (\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u00f7\u0627\u0644\u0648\u062f\u0627\u0626\u0639)\u060c \u0648\u0623\u0646\u0647 \u0644\u0627 \u062a\u0648\u062c\u062f \u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0645\u0624\u0634\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0646\u0633\u0628\u0629 \u0639\u062f\u0645 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u0642\u0627\u0633\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 (\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u00f7\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong>\u0627\u0644\u0633\u064a\u0648\u0644\u0629-\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629-\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629-\u0639\u062f\u0645 \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\"><strong>Abstract:&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" dir=\"ltr\">The study aimed to analyze the level of liquidity and its impact on financial and operational risks and insufficient capital. To achieve this, data were collected through the financial statements of a&nbsp;sample of banks listed on the Amman Stock Exchange, Jordan, 13 out of 15 banks were included in the study, and data was collected during the years 2000-2020. The results of the study showed that there is an impact of the liquidity index on the credit risks measured by (liabilities \u00f7 assets) As well as the ones measured by (liquid assets + deposits), while it was found that there is an impact of the liquidity index on the credit risks measured by(liabilities \u00f7 assets). In addition, it concluded that there is no impact of liquidity on credit risks in each of (facilities \u00f7 deposits) Also (Facilities \u00f7 Assets), moreover, there is no impact of liquidity on operating risks measured by (operating expenses \u00f7 Total assets). It was found that there is a positive impact of the liquidity index on the capital adequacy ratio measured by (equity \u00f7 Assets) (Equity \u00f7 risky assets) and (property rights \u00f7 deposits) Finally, it showed that there is no relationship between the liquidity index and capital insufficiency measured by equity \u00f7 facilities.&nbsp;(<strong>Keywords: <\/strong>liquidity, financial risks, operational risks, insufficient capital<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0627\u0639\u062f\u0627\u062f<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0637\u0627\u0647\u0631 \u0639\u0628\u062f\u0627\u0644\u0633\u0644\u0627\u0645 \u0631\u062c\u0628<\/strong><br>Taher Abdel Salam Rajab<br><strong>\u0645\u062d\u0627\u0636\u0631- \u0643\u0644\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f- \u062c\u0627\u0645\u0639\u0629 \u0645\u0635\u0631\u0627\u062a\u0629- \u0644\u064a\u0628\u064a\u0627<\/strong><\/td><td><strong>\u0623\u0646\u0648\u0627\u0631 \u0645\u062d\u0645\u062f \u0639\u062b\u0645\u0627\u0646 \u062d\u0646\u0642\u0629<\/strong><br>Anwar Muhammad Othman Hanqa<br><strong>\u0628\u0627\u062d\u062b\u0629 \u0623\u0643\u0627\u062f\u064a\u0645\u064a\u0629<\/strong><br><\/td><\/tr><tr><td colspan=\"2\"><br><strong>\u062e\u0644\u0648\u062f \u0639\u0628\u062f\u0627\u0644\u0644\u0647 \u0639\u0645\u0631 \u0623\u0628\u0648 \u062c\u0628\u064a\u0631\u0629<br><\/strong>Kholoud Abdullah Omar Abu Jubaira<br><strong>\u0628\u0627\u062d\u062b\u0629 \u0623\u0643\u0627\u062f\u064a\u0645\u064a\u0629<br><\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\r\n\t\t<div class=\"review_wrap\">\r\n\t\t\t<div id=\"review-box\" class=\"review-box review-bottom review-stars\">\r\n\t\t\t\t<div class=\"review-summary\">\r\n\t\t\t\t\t<div class=\"review-final-score\">\r\n\t\t\t\t\t\t<span title=\"\" class=\"post-large-rate stars-large\"><span style=\"width:0%\"><\/span><\/span>\r\n\t\t\t\t\t\t<h4><\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"review-short-summary\"><a href=\"https:\/\/drive.google.com\/file\/d\/1edK7F3wQjOYVKqj5Z3mnk1Ma_EkeeGyP\/view?usp=sharing\" class=\"taq-button taq-medium taq-square taq-flat\" style=\"background-color:#a0ce4e\" target=\"_blank\"><i class=\"fa fa-download\"><\/i><span class=\"button-text\">\u062a\u062d\u0645\u064a\u0644<\/span><\/a>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<div class=\"user-rate-wrap\">\r\n\t\t\t\t<span class=\"user-rating-text\">\r\n\t\t\t\t\t<strong>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646: <\/strong>\r\n\t\t\t\t\t<span class=\"taq-score\"><\/span>\r\n\t\t\t\t\t<small>\u0643\u0646 \u0623\u0648\u0644 \u0627\u0644\u0645\u0635\u0648\u062a\u0648\u0646 !<\/small>\r\n\t\t\t\t<\/span>\r\n\r\n\t\t\t\t<div data-rate=\"0\" data-id=\"3602\" class=\"user-rate taq-user-rate-active\">\r\n\t\t\t\t\t<span class=\"user-rate-image post-large-rate stars-large\">\r\n\t\t\t\t\t\t<span style=\"width:0%\"><\/span>\r\n\t\t\t\t\t<\/span>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"taq-clear\"><\/div>\r\n\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u0627\u0644\u0645\u0644\u062e\u0635: \u0647\u062f\u0641\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u0629 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0623\u062b\u0631\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 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\u062d\u064a\u062b \u0634\u0645\u0644\u062a 13 \u0628\u0646\u0643\u0627\u064b \u0645\u0646 \u0623\u0635\u0644 15 \u0628\u0646\u0643\u060c \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 2000-2020\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 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