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A BUSINESS INTELLIGENCE–DRIVEN FRAMEWORK FOR ANALYZING ONLINE CONSUMER BEHAVIOR: A SIMULATION-BASED APPLICATION IN THE PALESTINIAN MARKET CONTEXT
(جامعة النجاح الوطنية, 2026-03-28) Warda Shawabkeh; Mohammad Mahmoud Abu Omar
The study examined Palestinian e-commerce to understand online consumer behavior after purchase by analyzing order cancellations and product returns through a business intelligence analytical framework. The research developed a synthetic dataset which uses theoretical rules to simulate local business operations because the desire was to create a dataset of actual transaction records but lacked access to real transaction data. The study used descriptive diagnostics along with supervised machine-learning models to determine order outcomes and identify key risk factors. The study found that delivery lead time has the highest impact on both order cancellations and product returns while payment method and order value and customer purchasing behavior follow as secondary factors. The ensemble and probabilistic models deliver dependable results which can be easily understood making them ideal for decision-making in markets that lack sufficient data. The research demonstrates that synthetic data, which has undergone analytical validation, combined with business intelligence and predictive analytics, produces practical insights that help e-commerce businesses manage their operations and post-purchase risks in developing countries.
THE IMPACT OF THE DIVIDEND POLICY ON THE STOCK PRICE :(AN EMPIRICAL STUDY OF LISTED COMPANIES ON THE MENA EXCHANGES FOR THE PERIOD 2014-2023)
(جامعة النجاح الوطنية, 2026-03-01) Alomari maysaa
This study investigates the impact of Dividend Policy (DP) on the stock prices of the companies which are listed on MENA exchanges from 2014 to 2024. It includes two main variables: independent and dependent. The former includes a number of indicators to measure the DP, namely: profit retention rate, dividend yield, dividends per share, growth, and earnings per share. On the other hand, the latter includes stock prices at the end of the fiscal year and control variables, namely: company size, financial leverage, and profitability It employs the quantitative approach depending on descriptive analytical approach to text hypotheses. The sample represents (195) companies in sectors of banking and insurance distributed across the nine financial markets. The analysis of the data has been done by using fixed and random effects linear regression models. Results demonstrated that retention rate of earnings, dividend yield, dividends per share, and growth influence stock prices. The sharp increase in the variables was connected with higher stock prices on some stock exchanges which reflects the confidence of investors and companies’ stability related to financial policies. Consequently, it has been seen that financial leverage has a great influence on stock prices because of the increase in financial risks. It is concluded that adopting balanced DP is vital and goes hand in hand with financial performance highlighting investment opportunities which stabilize stock prices and attract investors. As a result, other studies advise studying the influence of macroeconomic changes and changes in fiscal and monetary policies on the relationship between dividend policy and stock prices.
اساليب مواجهة الضغوط ومفهوم الذات وعلاقتهما بالقلق الاجتماعي لدى طلبة الجامعات في الداخل الفلسطيني
(جامعة النجاح الوطنية, 2026-01-29) سمية عادل موسى بيادسة
تتناول هذه الدراسة العلاقة بين مفهوم الذات، وأساليب مواجهة الضغوط، ومستويات القلق الاجتماعي لدى الطلبة الجامعيين العرب في الداخل الفلسطيني، في ظل بيئة تعليمية تتسم بتحديات اجتماعية وثقافية واقتصادية مركبة. تنبع أهمية البحث من الحاجة لفهم العوامل النفسية والاجتماعية التي تؤثر على تكيف الطلبة الجامعيين في سياق يعيشون فيه شعورًا بالهامشية والتمييز أحيانًا، مما يجعلهم أكثر عرضة للضغوط والانفعالات السلبية. هدفت الدراسة إلى فحص طبيعة العلاقة بين هذه المتغيرات الثلاثة، والوقوف على الفروق الديموغرافية المرتبطة بها، مع التركيز على دور الدعم الاجتماعي كعامل وسيط يعزز أو يضعف من تأثير مفهوم الذات في القلق الاجتماعي. اعتمدت الدراسة على منهج وصفي–ارتباطي مدعوم بتطبيق أدوات قياس مقننة لقياس مفهوم الذات، أنماط المواجهة، ومستوى القلق الاجتماعي. شملت العينة مجموعة من الطلبة الجامعيين العرب في مؤسسات التعليم العالي، وتم تحليل البيانات باستخدام أساليب إحصائية لاستخراج العلاقات بين المتغيرات وفحص الفروق بحسب متغيرات ديموغرافية مثل الجنس والوضع الاقتصادي. أظهرت النتائج أن هناك علاقة سلبية بين مفهوم الذات والقلق الاجتماعي، وأن تبني أساليب مواجهة إيجابية يسهم في تقليل مستويات القلق، بينما الأساليب السلبية تزيده. كما تبين وجود فروق ديموغرافية مرتبطة بالجنس والوضع الاقتصادي، حيث كانت مستويات القلق الاجتماعي أعلى لدى الطالبات ولدى الطلبة من خلفيات اقتصادية ضعيفة، في حين لم يكن للعمر تأثير جوهري. وأكدت النتائج كذلك على الدور الوسيط الفعّال للدعم الاجتماعي في تعزيز أثر مفهوم الذات على خفض القلق الاجتماعي. تخلص الدراسة إلى أن بناء مفهوم ذات إيجابي، وتبني أساليب مواجهة فعّالة، وتعزيز شبكات الدعم الاجتماعي، جميعها عناصر مترابطة تمثل مفتاحًا أساسيًا لفهم ظاهرة القلق الاجتماعي والتعامل معها لدى هذه الفئة من الطلبة.
EFFECT OF THE BEAM EMITTANCE ON THE PHOTON FLUX AND BRIGHTNESS OF SYNCHROTRON RADIATION EMITTED BY THE UNDULATOR U20
(An-Najah National University, 2026-02-16) Dubeik, Thiab
This thesis investigates the radiation performance of the U20 undulator for a potential future installation at SESAME, and the magnetic design of the sector dipole for the PERLE. The study aims to evaluate how beam parameters affect photon flux and brightness, and to provide a validated magnetic model for PERLE. Using SRW simulations, the U20 undulator was analyzed under realistic SESAME beam conditions, showing that reducing the horizontal emittance significantly enhances light output: the fundamental harmonic increased from 2.46×10^13 to 3.28×10^13 while the brightness improved by nearly an order of magnitude. These performance gains can be directly adopted by SESAME in future upgrades. In the second part, the PERLE dipole magnet was designed and optimized using Opera 3D, achieving uniform field quality across the Good Field Region and confirming an efficient turbulent water-cooling regime (Re = 9685). The resulting magnetic model forms part of the PERLE Technical Design Report (TDR). Overall, the outcomes of this work contribute to improving undulator performance at SESAME and advancing magnet development for PERLE.
FACTORS AFFECTING THE PROFITABILITY OF GCC BANKS IN THE COVID-19 PANDEMIC
(جامعة النجاح الوطنية, 2026-02-12) Qab, Rowa
This study examines the factors influencing the profitability of Islamic and traditional banks operating in the Gulf Cooperation Council (GCC) countries, with a particular emphasis on the impact of the COVID-19 pandemic. The objective of this study is to examine internal and external factors of banks and the impact of the COVID-19 pandemic that significantly influence profitability. The internal factors used in this study are the CAMEL variables (Capital Adequacy, Asset Quality, Management Efficiency, Earnings Ability, and Liquidity), while the external factors include macroeconomic variables such as GDP, inflation rate, and interest rate. The panel data of 59 banks, collected from the annual reports available on the official websites of the banks and the stock exchanges operating in six GCC countries, is used for the period from 2015 to 2023. Employing a quantitative approach and panel data regression analysis, the impact of internal and external explanatory variables is evaluated using fixed-effects and random-effects models. The measures of profitability used as dependent variables are return on assets (ROA) and return on equity (ROE). Fixed effects results are used for interpretation based on the Hausman test. The results show that inflation has a positive and significant impact, while GDP and interest rate have a negative and insignificant effect. Capital adequacy, Asset quality, and liquidity exhibit a positive and significant effect on profitability. Furthermore, the COVID-19 pandemic is found to have a negative and statistically insignificant impact on profitability. During the pandemic, the importance of internal financial indicators, particularly capital strength and liquidity, became more pronounced, while the influence of external macroeconomic variables diminished. The findings underscore the need for regulators across the GCC to harmonize banking regulations, ensuring consistent standards for capital, liquidity, and risk management requirements, thereby strengthening regional financial stability.