{"id":3771,"date":"2024-12-29T17:29:04","date_gmt":"2024-12-29T17:29:04","guid":{"rendered":"https:\/\/journal.ziu-university.net\/?p=3771"},"modified":"2024-12-29T17:29:04","modified_gmt":"2024-12-29T17:29:04","slug":"%d8%a3%d8%ab%d8%b1-%d8%b1%d9%81%d8%b9-%d8%a3%d8%b3%d8%b9%d8%a7%d8%b1-%d8%a7%d9%84%d9%81%d8%a7%d8%a6%d8%af%d8%a9-%d8%a3%d9%88-%d8%aa%d8%ae%d9%81%d9%8a%d8%b6%d9%87%d8%a7-%d8%b9%d9%84%d9%89-%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/journal.ziu.edu.sy\/?p=3771","title":{"rendered":"\u0623\u062b\u0631 \u0631\u0641\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0623\u0648 \u062a\u062e\u0641\u064a\u0636\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0627\u0642\u062f\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0634\u0631\u064a\u0639 \u0627\u0644\u0623\u0631\u062f\u0646\u064a\u00a0"},"content":{"rendered":"\n

\u0627\u0644\u0645\u0644\u062e\u0635 <\/strong><\/p>\n\n\n\n

\u0648\u0636\u062d \u0647\u0630\u0627 \u0627\u0644\u0628\u062d\u062b \u0623\u062b\u0631 \u062a\u0639\u062f\u064a\u0644 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0628\u0627\u0644\u062a\u062e\u0641\u064a\u0636 \u0623\u0648 \u0627\u0644\u0631\u0641\u0639 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u062a\u0639\u0627\u0642\u062f\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646\u060c \u062d\u064a\u062b \u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0647\u0648 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0627\u0636\u0639\u0641 \u0641\u064a \u0639\u0642\u062f \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0628\u0646\u0643\u064a \u0644\u0630\u0644\u0643 \u0641\u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0648 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0648\u0644\u0649 \u0641\u064a \u0631\u0639\u0627\u064a\u0629 \u0645\u0635\u0627\u0644\u062d\u0647 \u0648\u0644\u0627\u0633\u064a\u0645\u0627 \u0641\u064a \u0645\u064a\u062f\u0627\u0646 \u0631\u0641\u0639 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0648\u0627\u0644\u0627\u0633\u0633 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0644\u0647\u0630\u0627 \u0627\u0644\u0631\u0641\u0639 \u0641\u064a \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0641\u064a \u0641\u062a\u0631\u0647 \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636 \u0630\u0644\u0643 \u0623\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0627 \u062a\u0633\u062a\u0637\u064a\u0639 \u062a\u062e\u0641\u064a\u0636 \u0623\u0648 \u0631\u0641\u0639 \u0627\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u062a\u0644\u0642\u0627\u0626\u064a\u0627\u060c \u062d\u064a\u062b \u0623\u0646 \u062a\u063a\u064a\u064a\u0631 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0633\u0648\u0627\u0621 \u0627\u0646\u062e\u0641\u0627\u0636\u0627\u064b \u0623\u0648 \u0627\u0631\u062a\u0641\u0627\u0639\u0627\u064b \u0645\u062d\u062f\u062f \u0628\u0639\u062f\u062f \u0645\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0639\u0627\u0645 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0645\u0648\u0642\u0639 \u064a\u0644\u062a\u0632\u0645 \u0628\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0648\u062a\u062d\u062f\u062f\u0647\u0627 \u0627\u0644\u0639\u0642\u0648\u062f \u0648\u0641\u0642 \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0648\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0646\u0627\u0641\u0630\u0629.\u0648\u0642\u062f \u062a\u0637\u0631\u0642 \u0627\u0644\u0628\u062d\u062b \u0627\u0644\u064a \u062a\u0639\u0631\u064a\u0641 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0648 \u062e\u0635\u0627\u0626\u0635\u0647\u0627 \u0648\u0643\u0630\u0644\u0643 \u0623\u062b\u0631 \u062a\u063a\u064a\u0631 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0648 \u0645\u0646 \u062b\u0645 \u062a\u0645 \u0627\u0633\u062a\u0639\u0631\u0627\u0636 \u0645\u0648\u0642\u0641 \u0627\u0644\u0642\u0636\u0627\u0621 \u0627\u0644\u0627\u0631\u062f\u0646\u064a \u0645\u0646 \u0631\u0641\u0639 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0633\u062a\u0639\u0631\u0627\u0636 \u0628\u0639\u0636 \u0642\u0631\u0627\u0631\u0627\u062a \u0644\u0645\u062d\u0643\u0645\u0647 \u0627\u0644\u062a\u0645\u064a\u064a\u0632 \u0627\u0644\u0623\u0631\u062f\u0646\u064a\u0629 \u0648\u062e\u0644\u0635 \u0627\u0644\u0628\u062d\u062b \u0644\u0645\u062c\u0645\u0648\u0639\u0647 \u0645\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0648\u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a \u0627\u0647\u0645\u0647\u0627 \u0625\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0644\u0649 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633 \u0627\u0644\u062d\u0631 \u0627\u0633\u062a\u0646\u0627\u062f\u0627 \u0644\u0633\u064a\u0627\u0633\u0629 \u0645\u062d\u062f\u062f\u0629 \u064a\u062a\u0628\u0639\u0647\u0627 \u0643\u0644 \u0628\u0646\u0643 \u0639\u0644\u0649 \u062d\u062f\u0629 \u0648\u0641\u0642 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u062a\u0631\u0643\u0632\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0643\u0644 \u0639\u0645\u064a\u0644\u060c \u0648\u0645\u0646 \u0647\u0646\u0627 \u0641\u0625\u0646 \u062a\u0639\u0627\u0637\u064a\u0647\u0627 \u0645\u0639 \u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f \u064a\u062a\u0645 \u0636\u0645\u0646 \u0622\u0644\u064a\u0627\u062a \u062d\u062f\u062f\u062a\u0647\u0627 \u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0648\u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u0643\u0645 \u0622\u0644\u064a\u0629 \u0639\u0645\u0644 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0630\u064a \u064a\u0636\u0645 24 \u0628\u0646\u0643\u0627\u064b \u0641\u064a \u0627\u0644\u0623\u0631\u062f\u0646 \u0645\u0645\u0627 \u064a\u0633\u062a\u062f\u0639\u064a \u0636\u0631\u0648\u0631\u0629 \u062a\u0637\u0631\u0642 \u0627\u0644\u0645\u0634\u0631\u0639 \u0627\u0644\u0627\u0631\u062f\u0646\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0646\u0635 \u0648\u0627\u0636\u062d \u0648\u0635\u0631\u064a\u062d \u0627\u0644\u0649 \u0645\u062f\u0649 \u0627\u062d\u0642\u064a\u0647 \u0627\u0644\u0628\u0646\u0643 \u0641\u064a \u0631\u0641\u0639 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0645\u0646 \u0639\u062f\u0645\u0647 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a. <\/p>\n\n\n\n

\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: \u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u060c \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0627\u0644\u0642\u0631\u0636. <\/strong><\/p>\n\n\n\n

Abstract<\/strong>
This research examines the impact of interest rate adjustments, whether increases or decreases, on borrowers’ contractual obligations. Since the consumer is the weaker party in a bank loan contract, it is essential to prioritize the financial consumer’s or client’s interests, particularly in matters related to raising interest rates and the legal foundations for such increases during the loan repayment period. Banks cannot automatically raise or lower interest rates for borrowers; any changes to interest rates, whether upward or downward, are contractually predetermined and regulated by the laws and instructions in effect. The research defines interest rates, their characteristics, and the effects of interest rate changes on financial consumers. Additionally, it reviews the stance of Jordanian courts on interest rate increases by analyzing decisions issued by the Jordanian Court of Cassation.<\/p>\n\n\n\n

The study concludes with several findings and recommendations, notably that banks operate on the principle of free-market competition, following specific policies based on credit risk and concentration for each client. Therefore, banks adhere to mechanisms outlined by central bank regulations and the competitive framework governing the market, which includes 24 banks in Jordan. This highlights the need for the Jordanian legislator to address the extent of a bank’s right to raise interest rates through explicit and clear provisions in the Central Bank Law.<\/p>\n\n\n\n

Keywords: Banks, Central Bank, Financial Consumer, Interest Rate, Loan.<\/strong><\/p>\n\n\n\n

\u0627\u0639\u062f\u0627\u062f : <\/strong><\/p>\n\n\n\n

\u062f.\u0645\u062d\u0645\u062f \u0645\u062d\u0645\u0648\u062f \u0633\u0639\u064a\u062f \u0627\u0644\u062f\u0627\u0648\u0648\u062f<\/strong><\/td><\/tr>
Dr. Mohammad Mahmoud Said AlDawoud<\/strong><\/td><\/tr>
\u0623\u0633\u062a\u0627\u0630 \u0645\u0633\u0627\u0639\u062f \u0641\u064a \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u2013\u0643\u0644\u064a\u0629 \u0627\u0644\u062d\u0642\u0648\u0642 -\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0632\u0631\u0642\u0627\u0621 \u0627\u0644\u062e\u0627\u0635\u0629 -\u0627\u0644\u0623\u0631\u062f\u0646<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/p>\n\r\n\t\t

\r\n\t\t\t
\r\n\t\t\t\t
\r\n\t\t\t\t\t
\r\n\t\t\t\t\t\t<\/span><\/span>\r\n\t\t\t\t\t\t

<\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t
<\/i>\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
\r\n\t\t\t\t\r\n\t\t\t\t\t\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646: <\/strong>\r\n\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\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
\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t<\/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>\r\n\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>","protected":false},"excerpt":{"rendered":"

\u0627\u0644\u0645\u0644\u062e\u0635  \u0648\u0636\u062d \u0647\u0630\u0627 \u0627\u0644\u0628\u062d\u062b \u0623\u062b\u0631 \u062a\u0639\u062f\u064a\u0644 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0628\u0627\u0644\u062a\u062e\u0641\u064a\u0636 \u0623\u0648 \u0627\u0644\u0631\u0641\u0639 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u062a\u0639\u0627\u0642\u062f\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646\u060c \u062d\u064a\u062b \u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0647\u0648 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0627\u0636\u0639\u0641 \u0641\u064a \u0639\u0642\u062f \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0628\u0646\u0643\u064a \u0644\u0630\u0644\u0643 \u0641\u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0648 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0648\u0644\u0649 \u0641\u064a \u0631\u0639\u0627\u064a\u0629 \u0645\u0635\u0627\u0644\u062d\u0647 \u0648\u0644\u0627\u0633\u064a\u0645\u0627 \u0641\u064a \u0645\u064a\u062f\u0627\u0646 \u0631\u0641\u0639 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0648\u0627\u0644\u0627\u0633\u0633 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0644\u0647\u0630\u0627 \u0627\u0644\u0631\u0641\u0639 \u0641\u064a \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0641\u064a \u0641\u062a\u0631\u0647 \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636 \u0630\u0644\u0643 \u0623\u0646 …<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[130],"tags":[],"class_list":["post-3771","post","type-post","status-publish","format-standard","","category-130"],"_links":{"self":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts\/3771","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3771"}],"version-history":[{"count":1,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts\/3771\/revisions"}],"predecessor-version":[{"id":3772,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=\/wp\/v2\/posts\/3771\/revisions\/3772"}],"wp:attachment":[{"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journal.ziu.edu.sy\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}