{"id":"https://openalex.org/W4200464112","doi":"https://doi.org/10.21608/cfdj.2021.207591","title":"\u0642\u06cc\u0627\u0633 \u0623\u062b\u0631 \u0627\u0644\u062f\u0648\u0631 \u0627\u0644\u0648\u0633\u06cc\u0637 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u06cc \u0641\u06cc \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u06cc\u0646 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u06cc \u0648\u0627\u0644\u062a\u0646\u0645\u06cc\u0629 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u06cc\u0642\u06cc\u0629 \u0639\u0644\u0649 \u0645\u0646\u0638\u0645\u0627\u062a \u062e\u062f\u0645\u06cc\u0629 \u062e\u0627\u0635\u0629","display_name":"\u0642\u06cc\u0627\u0633 \u0623\u062b\u0631 \u0627\u0644\u062f\u0648\u0631 \u0627\u0644\u0648\u0633\u06cc\u0637 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u06cc \u0641\u06cc \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u06cc\u0646 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u06cc \u0648\u0627\u0644\u062a\u0646\u0645\u06cc\u0629 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u06cc\u0642\u06cc\u0629 \u0639\u0644\u0649 \u0645\u0646\u0638\u0645\u0627\u062a \u062e\u062f\u0645\u06cc\u0629 \u062e\u0627\u0635\u0629","publication_year":2021,"publication_date":"2021-12-03","ids":{"openalex":"https://openalex.org/W4200464112","doi":"https://doi.org/10.21608/cfdj.2021.207591"},"language":"ar","primary_location":{"id":"doi:10.21608/cfdj.2021.207591","doi":"https://doi.org/10.21608/cfdj.2021.207591","is_oa":true,"landing_page_url":"https://doi.org/10.21608/cfdj.2021.207591","pdf_url":"https://cfdj.journals.ekb.eg/article_207591_7667e610b5f174fd1abcc5b70e453f4b.pdf","source":{"id":"https://openalex.org/S4210210950","display_name":"\u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629","issn_l":"2682-3403","issn":["2682-3403","2682-4531"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u06cc\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u06cc\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u06cc\u0629","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://cfdj.journals.ekb.eg/article_207591_7667e610b5f174fd1abcc5b70e453f4b.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5054698850","display_name":"\u0627\u0633\u0627\u0645\u0629 \u0633\u0644\u0627\u0645","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"\u0627\u0633\u0627\u0645\u0629 \u0633\u0644\u0627\u0645","raw_affiliation_strings":["\u0627\u0644\u0645\u0639\u0647\u062f \u0627\u0644\u0639\u0627\u0644\u064a \u0644\u0644\u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u0644\u0645\u062d\u0644\u0629 \u0627\u0644\u06a9\u0628\u0631\u064a"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u0627\u0644\u0645\u0639\u0647\u062f \u0627\u0644\u0639\u0627\u0644\u064a \u0644\u0644\u0625\u062f\u0627\u0631\u0629 \u0628\u0627\u0644\u0645\u062d\u0644\u0629 \u0627\u0644\u06a9\u0628\u0631\u064a","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5054698850"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.29061853,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"3","issue":"1","first_page":"1039","last_page":"1082"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5938000082969666,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.5938000082969666,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.2782999873161316,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13867","display_name":"Economic Growth and Development","score":0.07440000027418137,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-transformation","display_name":"digital transformation","score":0.972000002861023},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.9909999966621399},{"id":"https://openalex.org/keywords/sustainable-development","display_name":"sustainable development","score":1.0},{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":0.8740000128746033},{"id":"https://openalex.org/keywords/business-practices","display_name":"organizational practices","score":0.3149999976158142}],"concepts":[{"id":"https://openalex.org/C192562407","wikidata":"https://www.wikidata.org/wiki/Q228736","display_name":"Materials science","level":0,"score":0.29209399223327637}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.21608/cfdj.2021.207591","doi":"https://doi.org/10.21608/cfdj.2021.207591","is_oa":true,"landing_page_url":"https://doi.org/10.21608/cfdj.2021.207591","pdf_url":"https://cfdj.journals.ekb.eg/article_207591_7667e610b5f174fd1abcc5b70e453f4b.pdf","source":{"id":"https://openalex.org/S4210210950","display_name":"\u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629","issn_l":"2682-3403","issn":["2682-3403","2682-4531"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u06cc\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u06cc\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u06cc\u0629","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:f76cc17915314bd4b197eead09515d2b","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/f76cc17915314bd4b197eead09515d2b","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"\u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629, Vol 3, Iss 1, Pp 1039-1082 (2021)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.21608/cfdj.2021.207591","doi":"https://doi.org/10.21608/cfdj.2021.207591","is_oa":true,"landing_page_url":"https://doi.org/10.21608/cfdj.2021.207591","pdf_url":"https://cfdj.journals.ekb.eg/article_207591_7667e610b5f174fd1abcc5b70e453f4b.pdf","source":{"id":"https://openalex.org/S4210210950","display_name":"\u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629","issn_l":"2682-3403","issn":["2682-3403","2682-4531"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u06cc\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u06cc\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u06cc\u0629","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Decent work and economic growth","score":0.7257999777793884,"id":"https://metadata.un.org/sdg/8"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4200464112.pdf","grobid_xml":"https://content.openalex.org/works/W4200464112.grobid-xml"},"referenced_works_count":8,"referenced_works":["https://openalex.org/W1791941083","https://openalex.org/W1935358403","https://openalex.org/W2594602321","https://openalex.org/W2608324018","https://openalex.org/W2894612481","https://openalex.org/W2902410500","https://openalex.org/W4289776298","https://openalex.org/W4307533328"],"related_works":["https://openalex.org/W4303647585","https://openalex.org/W4387612371","https://openalex.org/W7169844881","https://openalex.org/W7211979231","https://openalex.org/W4387040383","https://openalex.org/W4394613554","https://openalex.org/W7220149248","https://openalex.org/W7162667796","https://openalex.org/W7154912527","https://openalex.org/W7221248640"],"abstract_inverted_index":{"\u064a\u0647\u062f\u0641":[0],"\u0627\u0644\u0628\u062d\u062b":[1,43],"\u0625\u0644\u0649":[2],"\u0627\u062e\u062a\u0628\u0627\u0631":[3],"\u0627\u0644\u0639\u0644\u0627\u0642\u0629":[4,97,135],"\u0628\u064a\u0646":[5,54,69,84,98,136],"\u0627\u0644\u0634\u0645\u0648\u0644":[6,55,99,137],"\u0627\u0644\u0645\u0627\u0644\u064a":[7,56,73,100,138],"\u0648\u0627\u0644\u062a\u0646\u0645\u064a\u0629":[8,57,87,101,139],"\u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629":[9,58,88,102],"\u0648\u0627\u0644\u062a\u0639\u0631\u0641":[10],"\u0639\u0644\u064a":[11,27],"\u0627\u0644\u062f\u0648\u0631":[12],"\u0627\u0644\u0648\u0633\u064a\u0637":[13],"\u0644\u0644\u062a\u062d\u0648\u0644":[14],"\u0627\u0644\u0631\u0642\u0645\u064a":[15,71,86,95,115],"\u0641\u064a":[16,117,125],"\u0647\u0630\u0647":[17],"\u0627\u0644\u0639\u0644\u0627\u0642\u0629\u060c":[18],"\u0648\u062a\u0645":[19,38],"\u0627\u0633\u062a\u062e\u062f\u0627\u0645":[20],"\u0627\u0644\u0645\u0646\u0647\u062c":[21],"\u0627\u0644\u0648\u0635\u0641\u064a":[22],"\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u064a\u060c":[23],"\u062d\u064a\u062b":[24,33],"\u062a\u0645":[25,34,110,129],"\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f":[26],"\u0623\u0633\u0644\u0648\u0628":[28],"\u0627\u0644\u0627\u0633\u062a\u0628\u064a\u0627\u0646":[29],"\u06a9\u0623\u062f\u0627\u0629":[30],"\u0644\u062c\u0645\u0639":[31],"\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a":[32],"\u062a\u0648\u0632\u064a\u0639":[35],"320":[36],"\u0627\u0633\u062a\u0628\u064a\u0627\u0646":[37],"\u0627\u0633\u062a\u0631\u062c\u0627\u0639":[39],"295":[40],"\u0627\u0633\u062a\u0628\u064a\u0627\u0646\u060c":[41],"\u0648\u062a\u0648\u0635\u0644":[42],"\u0627\u0644\u064a":[44],"\u0642\u0628\u0648\u0644":[45,60,75,130],"\u0627\u0644\u0641\u0631\u0636":[46,61,76,91,108],"\u0627\u0644\u0623\u0648\u0644":[47],"\"":[48,63,78,93],"\u0647\u0646\u0627\u06a9":[49,64,79],"\u0639\u0644\u0627\u0642\u0629":[50,65,80],"\u0630\u0627\u062a":[51,66,81],"\u062f\u0644\u0627\u0644\u0629":[52,67,82],"\u0627\u062d\u0635\u0627\u0626\u064a\u0629":[53,68,83],"\"\u060c":[59,74,89,103],"\u0627\u0644\u062b\u0627\u0646\u064a":[62],"\u0627\u0644\u062a\u062d\u0648\u0644":[70,85,94,114],"\u0648\u0627\u0644\u0634\u0645\u0648\u0644":[72],"\u0627\u0644\u062b\u0627\u0644\u062b":[77],"\u0631\u0641\u0636":[90,107],"\u0627\u0644\u0631\u0627\u0628\u0639":[92,109],"\u064a\u062a\u0648\u0633\u0637":[96],"\u0648\u0641\u064a":[104],"\u0633\u0628\u064a\u0644":[105],"\u062a\u062d\u0644\u064a\u0644":[106],"\u062a\u0646\u0627\u0648\u0644":[111],"\u0633\u0628\u0644":[112,143],"\u062a\u0637\u0628\u064a\u0642":[113],"\u0648\u0627\u0644\u0645\u062a\u0645\u062b\u0644\u0629":[116],"\u0627\u0644\u06a9\u0648\u0627\u062f\u0631":[118],"\u0627\u0644\u0628\u0634\u0631\u064a\u0629":[119],"\u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a":[120],"\u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a":[121],"\u0627\u0644\u0645\u0627\u0644\u064a\u0629":[122],"\u0627\u0644\u0631\u0642\u0645\u064a\u0629":[123],"\u0648\u0627\u0644\u0627\u062c\u0631\u0627\u0621\u0627\u062a":[124],"\u0635\u0648\u0631\u0629":[126],"\u0641\u0631\u0648\u0636":[127],"\u0641\u0631\u0639\u064a\u0629":[128],"\u0645\u0646\u0647\u0627":[131],"\u0623\u0646":[132],"\"\u0627\u0644\u0627\u062c\u0631\u0627\u0621\u0627\u062a":[133],"\u062a\u062a\u0648\u0633\u0637":[134],"\u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629\"\u060c":[140],"\u0648\u0631\u0641\u0636":[141],"\u0627\u0644\u062b\u0644\u0627\u062b":[142],"\u0627\u0644\u0623\u062e\u0631\u0649.":[144]},"counts_by_year":[],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2021-12-31T00:00:00"}
