+ All Categories
Home > Documents > meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic...

meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic...

Date post: 16-Sep-2019
Category:
Upload: others
View: 1 times
Download: 0 times
Share this document with a friend
152
أ Practices of Human Resource Strategies and Their Role in Strategic Flexibility in the Palestinian Islamic Banks. 2013
Transcript
Page 1: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

أ

�� ������ ��� � ����� � ��������� �������

����� � �� �������� ���� ����������� �

Practices of Human Resource Strategies and Their

Role in Strategic Flexibility in the Palestinian Islamic

Banks.

�����

��� � ��� ���� ���� !��

����� ���"� � ��#� $��" �%����#

�� ������ � ��� &�� $��# � ������� '(��"��� ��� � %)� ��*�+ $���(� ,����� -�. ,�����

� /�+ $���(� ,���

$���0� �"

���0� 1�� � ���� 2013/

Page 2: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ب

Page 3: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ج

Page 4: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

د

��2�� �"�

����� ����� � � �������� ��� � � ��� ����� ��� ����� �

���� � ��!��" � #����� � "�" �"���� �� $%�"& � �'� (�) ������ ��

*��� �+��,��!��"� � �� � -. #���! ���/� ,� (" -� � �" �+� $.

�+� 1��" � %��� � � (���"��� �' 2� � ��� ������ � �� � ���� � $

� � �" �+� #����� � "�" �"�� ,�� �'���� �'��� (" . 3�4�5"+ (�� 2�

$���� 2� (" $� �� � -. � �� ���/�� ��� � 3��� �5� �.� �� �� � �"'2 �

��� 6'7�� � �8!�� �/�� ���� $#���� %�� �� � 8 � �&� 9'���� ��

��' � �'+� �. �" �+� � �� � -. 3��8�.

3#�� �

��� � ��� ����

Page 5: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

��4��� ����� ��:%

� ��� ;� &� ��� � �� (" �� � �

;� &� %5"� ���!� % � � �

�,7� �+� ����/< (" � �

����� � �

#�'� � (" �"�� �. �" � ���,4� (" � �

�=�+"� %5" ����� (" � �

(" � �3�4�+ � �"�� �,&" 3!��

3#�� �

��� � ��� ���� !�� ����

Page 6: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

و

�5�+����#� �

6�7�� � #�� �

>'�7� ? ��!��" � ��� ���! @

�' 2�� ��� �� .A� B.

3�'���" � �"=�! � ��� � � �"=�! C ������ �"=�! % 3�2�+" � �"=�! D

�'��& � �E+ �� ��+" � � �'6'+��A� �E+ �� ��+" � (

$�0� $�� � ����� ��� ��2�

�" 2" 2 ��"��� � �+ �,��F��� 3

�,�+=�� ��� � 1� .� 6

��� � �'".� 6

��� � @�"�� 7 ��� � 3�'��� 8

�'=���A� ��� � 3�7'�&�� 3��+G8" 9

��� � � � 12 ��� � 3� �" 13

���8 � $�� � �� � ��) 2��� � ������ �� �9� � �����

H��� :�4� � ��GA�% 14 H�'��/ :�+8 � 3� �2�� � 3��� � 43

�,�" �' �� � ��� � 6'"' �"

62

Page 7: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ز

3 �8 � $�� �

��4������ 2�� �

H��� :��� � J,�" 65 H�'��/ :��� � 9"��" 66

H�/ �/ :��� � ��'� 66

H�&��� :3�"�+&" �� 3���'� � 9"� � �8" 67 H�"�� :� K 8 � 3�������3��/ � 68 H� � :�'=�8�A� �� �&" � 70

:��� � $�� � ���� � ;5���

H��� : 18� �=�8��'��� � ���" �('/���" � 73 H�'��/:��� � �+=� ����� 76 H�/ �/ : 3�'��7 � ������ 89

!��. � $�� � ����� �� ;5��� � �+���

H��� : J=��� � ��!��" 108 H�'��/ :3�'8�� � 117 �/ �/ :�'+�2�" � 3��� �

:���� � �5�+ �'��& � 9���" � 120

�'����� 9���" � 125

��2#�� � 130

�� �

Page 8: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ح

$���� � �5�+ /+� � $��� � <��#� #�� �

1 � ���� ���� ��� � ��'� ���� L6��. 66 2 ��� � 3��/ ������ J=���)�7 � N������.( 69 3 ��� � ��'� �=�8� 18� �'F" � ?� �� %����� � 9'6�� � 74

4

P��" ��� ('/���" � 3���8� �'��'&" � 3������A�� �'��� � G���� �� �'��� � ���" � #�� � 3�'�'����� ���""1��8" � �'"5��

�'�'G+7 � 78

5 �� �'��'&" � 3��������� �'��� � 3�G��" � 3�����'��� � ���" �

��'����� ?�G2��� �'�'����� �'E�" 3��2� ��� ('/���" � 79

6 3������ �'��'&" � 3��������� �'��� � 3�G��" ��'��� � ���" � �'�G� �� ?'� � � �'�'����� �'E�" 3��2� ��� ('/���" �

80

7 � �'��'&" � 3��������� �'��� � 3�G��" � 3������'��� � ���" �

�'��� � ���" � �+� �4���" � �'�'����� �'E�" 3��2� ��� ('/���" � 82

8 P��" ��� ('/���" � 3���8� �'��'&" � 3��������� �'��� � G����

�� �'�'����A� ����" �1��8" ��'�'G+7 � �'"5A� 84

9 � 3��������� �'��� � 3�G��" � 3������ �'��'&"�'��� � ���" �

K� � ����" �'E�" 3��2� ��� ('/���" � 85

10 3������ �'��'&" � 3��������� �'��� � 3�G��" ��'��� � ���" �

9�� � ����" �'E�" 3��2� ��� ('/���" � 86

11 3������ �'��'&" � 3��������� �'��� � 3�G��" �� � ���" ��'��

' � � J��" � ����" �'E�" 3��2� ��� ('/���" � 88

12 �'��� � ���" � #�� � 3�'�'����� �&�� ('� G������ ���78" 90

13 �'��� � ���" � 3�'�'����� �&�� ('� &�" � �G� � G������ ������ J=���

('��� � ���� �"�&" �� ����)VIF ( �� C�"" � ('��� ��)Tolerance (� ���� ���K]S

92

14 �+�� � 3��'E�" � / ����� �)Variable Enter/ Remove( 93

15 �'=� � �'��7+ �� ���� �'+�� J=��� 94

16 �'=� � �'��7+ &�" � �� ���� �'+�� J=��� 95

17 �'=� � �'��7+ @� �" � &�" � �� ���� �'+�� J=��� 97

Page 9: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ط

/+� � ��#�$��� � < #�� �

18 � ��� �'��7 � �'��7+ �� ���� �'+�� J=��� 94

19 � ��� �'��7 � �'��7+ &�" � �� ���� �'+�� J=��� 96

20 � ��� �'��7 � �'��7+ ��'� � � &�" � �� ���� �'+�� 96

21 �'��/ � �'��7 � �'��7+ �� ���� �'+�� J=��� 97

22 �'+�� J=����'��/ � �'��7 � �'��7+ &�" � �� ���� 98

23 �'��/ � �'��7 � �'��7+ ��'� � � &�" � �� ���� �'+�� 99

24 �/ �/ � �'��7 � �'��7+ �� ���� �'+�� J=��� 100

25 �/ �/ � �'��7 � �'��7+ &�" � �� ���� �'+�� J=��� 101

26 ��'� � � &�" � �� ���� �'+���/ �/ � �'��7 � �'��7+ 102

� �

� �

� �

� �

� �

� �

� �

� �

� �

� �

� �

� �

� �

� �

� �

Page 10: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ي

� �

� �

� �

� �

� �

� �

� �

� �

� �

� �

/+� � �5�+$�"�0� #�� �

1 @�"���������� ��� � 7 2 �'�'������ ����" � L���� 31

� �

� �

� �

� �

� �

� �

Page 11: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ك

��2#�� � �5�+

/+� � 1#�� � <��#� #�� �

1 ��������� �. 131 2 ������� �"q��" ��"r� �"=�!. 137

Page 12: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ل

�� �������� ���� � �� ������ ��� � ����� � ��������� �������

����� ����������� �

= �� � ����� ��� � ��� !�� ���� ����

����� ���"� �

%����# � ��#� $��"

-.�� �

s.t3� u-. v��� � �w*�'! � x�'+��� �w�/ � 3�'�'����� 3���"" �'��� � ���" ��

����" ��'�'����A� u�,�� ("w�4� s('�' " � s('+"�& � �� 1��8" � �'"5A� �'�'G+7 �

uK'2�� � �u1� .u-. u��� � y� z�{�'�G� ������z��� {9'6�� �� u�����w9'"� �+� s('�' " � ��

��� � 9"��" -,1��8" � �. � | �� � )150 (��' "� $z��v# �&�� ) 90 (������}����

69.23 %�� ("u3�����u��6�" � s &�� $uK'! � u�'�58 �� u3�����x�'+��+ �'�58 ('��

)80 (������9���" � (" u���� 88.88%$ �z��{�� ��� u�"6� � A� u�'=�8�w��+&+

u�'��"����) SPSS V.20 (u ��'Aw�'! u3�G��" � ��� � u�'u3��������� u�'��'&" � x�'+���

w�� ����{" � � &�u ��'� � �� .z8��� y+t3v��� � �sJ=��� � �".� �,:

] z(�{" P�� �'��� � ���" � 3�'�'����� 3���"" ��1��8" � �'"5A� �'�'G+7 �

H�&7��" (��s(��� sD ��. �('��� �G'� u���� �� ���� (�'��" � '".� u� �u �&�u-s���� {�'��� �,

w��� � �+�v�'� (" � �� � �� u�'". :�'��� � ���" � �+� �4���" � $w�'�G� �� ?'� � �x $

H��'��� w��'����� ?�G2���.

Page 13: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

م

] z(�{" P�� ����" ��'�'����A� ��1��8" � �'"5A� �'�'G+7 � s(��" H�G��s(���

sD��.�('��� �G'� s('� �u���s('�'��" � ���� �u �&��'E�" � �. w�s���� {�'��� w��� � �+� �,

� �� � : $ ' � � J��" � ����" $ K� � ����"H��'��� w9�� � ����".

] �z(sD��. �H��/ �'��� � ���" � 3�'�'����� 3���""�ru �&�u.�{" � u�7+��w6'6&� ��

�'�'������ ����" � ��1��8" ��� u�'�'G+7 � �'"5.

�� !y� v+t38v��� � z(� � � s9'"� �'��� � ���" � 3�'�'����� 3���""��'".� �, ��&7��" $

s(��� �'��� � ���" � �+� �4���" �{� {�/�� {����� u�'+' $ �'�G� �� ?'� � �H��'���s���

�'�G� �� ?'� � � .y� �"�v+t38v��� � ��� � � {��� s(s�/�� s����� �� K� � ����"'+' �

{9�� � ����"H��'��� � ' � � J��" � ����".

��� � �,' � 3+8�� �� � 3�'8�� � �.� ("�:

1� �"�� (�1��8" � ����" � 6'6&� 3�' � �'�G� �+� �"& �� �'�'G+7 � �'"5��

G+7 � K� � 3��+G�"� 3���� *�&' �"� �,'� �'�'������ -. �� ��'1��8" �.

2� 6��� (� 1��8" � ��� ���� � 3�'�'����� �'��� �� �+� �'�'G+7 � �'"5��

����" � -. K'2�� 3��+G�"� K� � ����" �.6'6&� �5� (" K� �.

3� �� K���� �� 3�'+"& � P��" �+� 3��� ��� 9�� � ����" 6'6&� �� ���"���

"� ' � � 3����" � ���(=��6 � 3�!5� G�'� � �' �.

Page 14: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

ن

Practices of Human Resource Strategies and Their

Role in Strategic Flexibility in the Palestinian Islamic

Banks.

By

AbdAlAziz Hani Shams Zatari

Supervisor

Dr. Kamel Mohammad Al-hawajreh

Abstract

This study aimed to measure and analyze the impact of Practices of

human resource strategies(Recruitment and Selection, Training and

Development and Sustain of Human Resources) on strategic

flexibility(Market flexibility, enlargement flexibility and New Product

flexibility) from the perspective of managers working in the in the Islamic

banks in Palestinian.

To achieve the objectives of this study a questionnaire was designed

and developed, then distributed to all managers in Palestinian Islamic

banks. The questionnaires were handed to 130 managers out of 150

managers working at these banks, i.e. 86.6% of the total managers, the

researcher received back 90 questionnaires i.e. 69.23%. Only 80

(88.88%) questionnaires were suitable for further analysis. Means ,

standard deviations, multiple and stepwise regression analysis were used

to find variable importance and the cause effect relationship between

independent variables and dependent variables. The study concluded the

following:

1 - The importance level of Practices of human resource strategies in the

Islamic Banks in Palestine was high and there was little variation among

participants regarding Practices of human resource management strategies

dimensions. The study also concluded that sustain of human resources the

most important, followed by Training and Development and finally

Recruitment and Selection,.

Page 15: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

س

2 - The importance level of strategic flexibility within the Palestinian

Islamic Banks was high. The importance of each dimension was varied as

follows: innovative processes variable was first, Market flexibility, and

followed by enlargement flexibility, finally New Product flexibility.

3 - There was an impact of Practices of human resource strategies on all

dimensions of strategic flexibility in the Islamic Banks in Palestine.

The study concluded that all the components of Practices of human

resource strategies are highly importance, and the sustain of human

resources has the greatest impact, followed by training and development,

then and finally recruiting and selection. Finally, The study concluded

that all the components of strategic flexibility are medium importance,

and the market flexibility has the greatest impact, followed by

enlargement flexibility then and finally new product flexibility.

The most important recommendations of the study :

1- The Palestinian Islamic banks continue to work on the development of

mechanisms to strengthen its strategic flexibility to reflect the needs and

requirements of the Palestinian market in these banks..

2- The concentration of the Palestinian Islamic banks to support and

consolidate the market-oriented strategies through the promotion of the

market and the requirements of flexibility to achieve this flexibility.

3- Continue to enhance the resilience of the expansion, whether at the

level of operations or markets or even new products to serve and

strengthen customer relationships .

Page 16: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

1

� �

א�����א���

�����א��� �� � �

��2� �

�>�(?���� ���� � �"��

���� � �����

���� � ���

@ ���� � A)���

���� � ��7��

������� ��#���� ���� �5���(�

���� � ���#

���� � ����#�

� �

� �

� �

Page 17: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

2

�א�����א��� �

�����א��� �� � �

����

� �� %��� � �8�& � ���&'� �"4�" � �,�+�"� �� � ��8�� �.� (" �"4�" ���" �

�'��� � � �"� (�7�'� (�"4�'� (��� '� (� �'� (�7'�'� (�����'� (�����' (' � �.

(" ��&7 � �8�& � �"4�" � �� (�'�'��� � ���" � 6'"�" � �� �� � �� #��7� � � � �2�7� �,���

)?� � ��$2009.(

%��� � �8�& �� ���"' �'�G� �� �������� L������� L� ���� �� � �+� #� ! (" �' �"�

�5E��� K'�G (� � 2� �� �"� � ��� K=�� �,&�' ��� �'&'�G � ���" � #� � �+� ?+E�' (�

���"+ '�� � �5E��� (� 5�� �'������� �'"+& � 9"��" � 3�!�G �/"�� (�' � (� �����

&'�G � ����" � 3���"/���� �' )# ��$2010.(

-. �+� D ?��� 2� $1��8"+ �'"'4�� � �='� � �� �+8�� � 3���G� � ��'���

(" �" 2� �"� �'������ �,��'+"� ����" 6'6&� D �� $�,&" 1'�� �� �='� �� ��,� (� 1��8" �

����" � L����� �'�� ���� 1��8" � ��.� !� $�7+��" 3�" � 2� �,��'+"& ��'����� &��

3���'���� �2+&�" � ����" �� $J��" � �. �'� -�G' % � K� � ����"� $J��" � ����"� 3"�.�

�"�� K� � �� # ���" (�� � # ' � 3����" ������� (" � �� � � ��8�+ K� � �� �5"& �

� (" ��� � � 1��" � -,� �8'� �5"& � 3���'��� ��+' ��� �+� �,�����"� �,��'+"� �� 6'"�

��8� � .

Page 18: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

3

�+� �'�� �'/r� �, �'�� ���� �� �'��&" � �"��& � (" ��� (�� ��< ?��� ("� �� �"& �

1��8" �� 3���""�'��� � ���" �+"�& � �" � �� 1��8 . �'��� � ���" � �� � P��" �/r�'�

" � #�� � # ���1��8� �8��& �� #�'�� ��� � �'�� A�� �'"'4�� � �='� � �� # =� . (� �"�

�� �� D�+�'��� � ���" � �='� � D+� �8��& *��&�� �. �,����� 3�"4�" � D+� ���

#�'� �� H�'�� H��� ?&+� �,�����"� K� � �"�4�" (�� D �+�� $�'"'4�� �� �,�" �'�� ��

� 3�"4�" ��'��� � ���" � ./r� � �. (� � 15���� #���� �� 1+��� �. �&��� K� � �"��& �'

15����� 3�"4�" � D+� �&'�G�'��� � ���" �)$�G����2004.(

$ �"4�" �� �'� �"&� % � ���" �� G��� � �&'�G� �G���" �'+�� �"��� D��. (� �"�

�& � �'��� � ���" � �'���� $3�"4�" � -. # �'!� #�� � G"�� P��" D ���,'� �+" . D+� (�

G2� *' 15���� �.� $�,�'� �"'� 1+��� # ��� ����8 �� �"&� �� � 3�"4�" � �&�� �"��& �

�='� � ���� �� � �"��& � �&'�G �� H��'� (� � ��"��� J=��� P��" �� �� �� P��" ��

���� � �='� �� #�/r�" �"4�"+ �'+�� ��=�8� � # �7�" �,+&�' �"" �')� &%��6$2010. (

(�� � 2� �" ���&��� ����� � ������� �8(� $�#�� !�+ �� ���� � %)� B� C�D �

����� � ���(� ����� � �� ������(� ���� � ���� �� ��� �.

� :و���ؤ���� ����� ا �را

" � �� �'��� � ���" � �/"� �'�'G+7 � �'"5�� 1��8 ��"� (" �.� (" 58�� �. ���"

�.� ��8�� K'2�� (�"' � �'� �,�+�"� �� � 1� .� 1��8" � -. �� � �'��� � ���" � (� �

" � �+� ?�' �'�'G+7 � �'"5�� 1��8(��,� ��"�.5 # .�� �&� �� K'2�� �+� #� �! (�

Page 19: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

4

1� .� D���+ ���8" � ��'G+7 � K� � K'� �'�'��� $1��8" � -. >�7���� �'"5��

�5"& � 3���� ��+' � ���� �," 2� �� � 3�" � � (" � �� �82� D��. (� 4�� 2� �. �

��'� ��� 1��8" � -. 3��� � P ����" � >�7��� D ��'�� (��' �"��� $K� � -. ��

3����" � �� �� K� � �� 9�� � �� # ' � 3�" � . D 3��� ��� � -. �+� ?'��' ����

�' �� � �+=�� �� �/"�� �� � ��� �:

$�(� $�?� �": �'�'������ ����" � 6'6&� �� �'��� � ���" � 3�'�'����� 3���"" �/� �"

��'�'G+7 � �'"5�� 1��8" � ��

�� � ��� � �5�� � H�� 18���:

���� � $�?� �$�0�: '����� 3���"" �/� �" �� �'��� � ���" � 3�'� �� K� � ����"

1��8" ��'�'G+7 � �'"5A� �.

���8 � ���� � $�?� � : �� �'��� � ���" � 3�'�'����� 3���"" �/� �" �� 9�� � ����"

1��8" � �'"5A��'�'G+7 � �.

3 �8 � ���� � $�?� � : �� �'��� � ���" � 3�'�'����� 3���"" �/� �"��" J��" � ��

�� ' � �1��8" � �'"5A���'�'G+7 � .

$�?� ����8 � : ���" � #�� � 3�'�'����� 3���"" ��� ('/���" � 3���8� P��" �"

�. �&�r� �'��� �)��'����� ?�G2��� , ���" � �+� �4���" �� $ �'�G� �� ?'� � �

�'��� � ( ��1��8" � �'"5A�� �'�'G+7 �

� � $�?� � B� 18�����8 �5�0� �� � ��� � :

Page 20: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

5

���� � $�?� �$�0�: ?�G2��� �'�'����� ���"" ��� ('/���" � 3���8� P��" �"

�� ��'�����1��8" ���'�'G+7 � �'"5A�

���8 � ���� � $�?� �: ?'� � � �'�'����� ���"" ��� ('/���" � 3���8� P��" �"

�'�G� �� �� 1��8" ���'�'G+7 � �'"5A�

3 �8 � ���� � $�?� �: �" �4���" � �'�'����� ���"" ��� ('/���" � 3���8� P��"

�� �'��� � ���" � �+�1��8" � �'"5A���'�'G+7 �

$�?� ��8 �3 :" ����" � 3���"" ��� ('/���" � 3���8� P��" �"�'�'����A� �. �&�r�

) ����"K� � $9�� � ����" $ ' � � J��" � ����" ( ��1��8" � �'"5A� ��

� ('G+�

�8 � $�?� � B� 18���3 �5�0� �� � ��� �

���� � $�?� �$�0�: �� K� � ����" ��� ('/���" � 3���8� P��" �" 1��8" �

�'�'G+7 � �'"5A��.

���8 � ���� � $�?� � :���8� P��" �" �� 9�� � ����" ��� ('/���" � 31��8" �

�'"5A��'�'G+7 � �.

3 �8 � ���� � $�?� � : �� ' � � J��" � ����" ��� ('/���" � 3���8� P��" �"1��8" �

�'"5A���'�'G+7 �

Page 21: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

6

ف ا �را� اه�أ

��� � �&�� � K'2�� 1� .�� �' �� � : 1. 3�'�'����� 3���"" �/� *�'! #�� � ����" � 6'6&� �� �'��� � ���" � �'�'����A�

��1��8" � �'"5A��'�'G+7 � .

2. �/� �'+�� �� �'�'����A� ����" � 6'6&� �� ��'����� ?�G2��� �'�'����� ���""

1��8" � �'"5A��'�'G+� .

3. ����" � 6'6&� �� �'�G� �� ?'� � � �'�'����� ���"" �/� (�'� �� �'�'����A�

1��8" � �'"5A��'�'G+7 � .

4. ' �� ���"" �/��'�'����� ����" � 6'6&� �� �'��� � ���" � �+� �4���" �

�'�'����A� �� 1��8" � �'"5A��'�'G+7 � .

5. 3�'8�� �' 2� ��� � J=��� �+� �"����� 6'6&� �,�r� (" 3���"" �'��� � ���" �

����" � ���'�'����A� �� 1��8" � �'"5A��'�'G+7 � .

� أه��� ا �را

9����'".� (" ��� � -. �'".� ����� 1��8" � �'"5A� ("� ('G+� �� �'".�

(�"' % � �� �(� (" �'/� � ��"�.� �'/�� �/' � ����� &� �'� 1��8" � -. �� ��2�

('�' " �.

9�����'".�� � ��� � ('���� (" �' � �9�:

1. � � ��� � 3& (" 66&' ���&" &� �' 2��'���"� �� �'��� � ���" � �� ��"/���

1��8" � �'"5A��'!� � �,����"� �,�� ! # �'6 �� ��"/��� �. G�� � ���"� .

Page 22: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

7

2. � � ��� � 3& # ' � � ���&" � >&� �' 2�� � ��"�.�� �4�' ! �'��& � ����"+ $('/��

��� � �2� �� # ' � 3��� ��� K5G�� �G2� ���' �"".

& � ���� � ��� �2� 2��� � #�� � B� ��@:

3. 6'6&� �� ('�' " � �'���"�1��8" � �'"5A� (" # �7�5 ��,7" ����" ��'�'����A�

('�+,�" � 3���� ���2� 3���'�� # ' � �'��8" �=� � C�G ��.

4. 1'�&����8" � K� � �� �'���� #� r� �'�'����A� ����" � �&�� �'".r� ('�' " �.

5. �+� 6'��� � �&�� ���" � �+� �4���" �� �'�G� �� ?'� � �� ��'����� ?�G2���

�+� ��8� � �� ����2" � �=� � � �r� �'��� ����� �.�'�� � ���"� �'��� � ���" �

�,����" 6'6&� ���A��'�'����'��8" � ����8 � P��" �+� .

��ذج ا �را�أ :

/+� $"�)1 (�7����(� ���� � A)���� ���� �:�2�� � 3��� �� ? �� � � L��� �� ���� � � �� �+� �"����� �3��� �'�'������ ����" � �'E�" 3 ���� �� �

:(Sethi and Sathi ,1990 ; Braglia and Petroni ,2000 ; Das ,2001 ; Kara ,2002; ��� ������ � � ��������� ������� ����� ���� ������Singh ,2004; Shahzad et al. 2008; Akhtar et al. ,2008

���� ����

����������� ������ ������������ ������ ������

�!"���� �#�$��

���!���� %�����

������� ����� � � �&'�(�

)�*�� �+��,

,-���� �+��

���.� /���� �+��,

� �!�� ����

Page 23: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

8

� : $#"��ت ا �را �� � ��7�� � #� ����.� �# � ���� � $��#�:

�5� � 7�� �H0 : ��' � � � � �/��'=�8�� �'��� � ���" � #�� � 3���""

�. �&�r�)����'����� ?�G2�$�'��� � ���" � �+� �4���" � $�'�G� �� ?'� � � ( ��

����" ��'�'����A� �. �&�r�) ' � � J��" � ����"� $9�� � ����" $K� � ����" ( ��

1��8" � �'"5A� P��" �� �'�'G+7 � � � ≤0.05)α.(

�� � ��� � ��7�� � �5� � 7�� � %)� B� 18��� :

1NHO : � � � �/� ��' ��'=�8�� �. �&�r� �'��� � ���" � #�� � ���"" )�� ?�G2�

��'����� ,�'��� � ���" � �+� �4���" � $�'�G� �� ?'� � � ( ����" 6'6&� ��

�� K� �1��8" � 5A��'" � � �� �'�'G+7 � ≤ 0.05) α .(

2 – HO : � � � �/� ��' ��'=�8�� �. �&�r� �'��� � ���" � #�� � ���"" ) ?�G2��

��'����� ,�'��� � ���" � �+� �4���" � $�'�G� �� ?'� � � ( ����" 6'6&� ��

�� 9�� �1��8" � �'"5A� � � �� �'�'G+7 � �� ≤ 0.05) α.(

3N HO: � � � �/� ��' � �'=�8�� �. �&�r� �'��� � ���" � #�� � ���"" ) ?�G2��

��'����� ,�'��� � ���" � �+� �4���" � $�'�G� �� ?'� � � ( ����" 6'6&� ��

�� ' � � J��" �1��8" � �'"5A� � � �� �'�'G+7 � �� α ≤ 0.05) .(

Page 24: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

9

�ت ا �را� ا.-#ا,���+*�(�ت و�)#ی&

�+� ��� � -. 3+"���� �2+&�" � �'.�7" � (" ��'��� � ���" � 3�'�'����� $

��'�'����A� ����" ���r' �"�� $H�'=����� H�'"'.�7" �,7'�&� �� $:

�(�� =��2��(���.: (� ��&' �G����.��'���� ('+"�& � ?�� �2+&�" � �'��� � ���" � :

�/" �+� ��� �� $�.��'��� ��! �"&+ ('" 2�" � �''2�� $#6'"�" � �'��� � ���" � ?�G2��

$�����" � 3���� � %� ('+"�& � ��'���D�� �� 3�� ! �'��� � ���" � ' �� �+� ��' �""

��"��� (�"' �� � (� ?��� � �/" �7+��" �'�"� 3�=� (" ('+"�& � ��'��� #����"� $�, ��

�� ���� ��.

��r� H�'=���� ��'����� ?�G2��� 1:�&'� : (" ��� � ��'� ���� �,'+� �8�' �� � ��� �

3�'�'����� 3���"" ������ �� ��"��" � ��'����� ?�G2��� &{� 3��2� (� �,������ �5�

��� � -. �� �" ��" � �'��� � ���" �.���� 3��2� �5� (" *�2'� ���)1]5 .(

] �� =��� ����� : (� ��&'�G��� �'"�� �+� ('+"�& � # ��"� �2+&�" � �'��� � ���" �

�/" �'7'4� � �,��.����� �,��� !� �,����,"� �,���&" : ���� �'�'� � � ('+"�& � 3���'��� ' ��

� �����" � �+� �,&'���� $�, ��. � 18& � 3�+� 2&� ��"�.��� K'! ���� � �

$�,����""� 1��8" � 9!�� (" # "�" � �'+"& � 3��� � �� ����� �� $�'"+& � 3��"�F" ��

�7'�� � ���� ?���� �2� (" �,�'�"�� $����� ?���� �+� L5G5 �'���� 3�/&� �� ('+"�& �

3�E+ � �+&� �+� �,&'���� $�,�'� 3���� ��'������ �,����" �� �� �,� ��"� �'�," .

Page 25: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

10

��r� H�'=���� �'�G� �� ?'� � � 1:�&'� : (" ��� � ��'� ���� �,'+� �8�' �� � ��� �

3�'�'����� 3���"" ������ �� ��"��" � �'�G� �� ?'� � � &{� 3��2� (� �,������ �5�

��� � -. �� �" ��" � �'��� � ���" �. ������� 3��2� �5� (" *�2'�)6]11.(

��� � ����� � &�� 9��#� � : (� ��&'�G��� ��2� �4���" �� �2+&�" � �'��� � ���" �

��"�.��� $�+'�G 3��� #6'"�" � �'��� � ���" �� 4�7���� �/" $�,'� ('+"�& � �"� ���

��� �'��� �5� (" $�"& � (��� � �� >�7���� $# '�7 � 3�8�8���� %� ('+"�& ��

���" $('+"�& � ('� ������ (" �� ����� 9'"�+ �'�������, *7� � (� �'��� � ��� .

1:�&���'��� � ���" � �+� �4���" ���r� H�'=���� : ��'� ���� �,'+� �8�' �� � ��� �

3���"" ������ �� ��"��" � �'�G� �� ?'� � � &{� 3��2� (� �,������ �5� (" ��� �

�'�������� � -. �� �" ��" � �'��� � ���" � 3�'. ������� 3��2� �5� (" *�2'�)12]

18.(

���� ��������� (strategic flexibility) : #� ! (� ��&' 9��� �'E�"1�8" �

�"5A� 9'"� 9" 1'�� � �+� ����� ���" � �'8�� �5� (" �G'�" � �='� � �� 3��'E� �

# ����'8�� 6'6&� �,8�� �� �'+�� � �='� � �� 3��'E�" � ' �� K'�G (� 1 ,�" �

� �' �"� 3��'E� � -, �&'� 3������� # ' � 3�.����� ���" � �� >�E �'���� ��

(��6 � 3����.

Page 26: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

11

1:�&��" � �����'�'����A��,�r� H�'=���� : (" ��� � ��'� ���� �,'+� �8�' �� � ��� �

5� &{� 3��2� (� �,������ �" ��'�'����A� ���� ������ �� ��"��" � ����" ��'�'����A�

��� � -. �� �" ��" �.

1�� � ���� : �'���� � 9" 1'�� �� ������� �+� 1�8"+ �+'E�� � ��4� � #� !

�������� � �,� K� � 3��'E�� �� �'/r� � (� �," ���� 3��'E� � �+��"�� 1�8" �

# ' � � ��7 � 1����� �� �� ('���" � ����" �'+2� �+� #� 2 � 9" ��+ ����(Gupta

and Somers ,1996; Das ,2001) .

1:�&��"K� � �����,�r� H�'=���� : �5� (" ��� � ��'� ���� �,'+� �8�' �� � ��� �

&{� 3��2� (� �,������"K� � ������"��" � �� �" ��" � �'�'����A� ����" � ������ ��

��� � -.. ������� 3��2� �5� (" *�2'�)19]23.(

:��� � ���� : �+'E�� � ��4� � #� !�����A� �+� 1�8" � �� �� �� K� � �� 9�� �

���� � �� 1�8"+ �'+'E�� � �!�G � # �'6 9" � �,� . 1�&� �"��,�r� �,� � 9'"� �"65 �

�65 � 3!� � >7� �"� �� �� �'+'E�� � �!�G �� 3�� 2 � # �'6 @���� ' � � J��"+ 1' ��� ��

�"=�2 � 3����" � �� L��� ��������# ' � 3���7�� 3�� ! .

1:�&��"9�� � �����,�r� H�'=���� : �5� (" ��� � ��'� ���� �,'+� �8�' �� � ��� �

(� �,������ &{� 3��2� "9�� � ���� �� �" ��" � �'�'����A� ����" � ������ �� ��"��" �

��� � -.. ������� 3��2� �5� (" *�2'�)30]32.(

Page 27: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

12

��� � ;��� � ���� :%� �+� ��4� � #� ! ��'� 3����" � �' 2�� �� �"� # ' � � 3�" � �

1�&��,�r��" � �' 2�� �'�G� �+� #� 2 � ���� # ' � 3(Kara et al ,2002; Das

,2001) .

1:�&��" ' � � J��" � �����,�r� H�'=���� : (" ��� � ��'� ���� �,'+� �8�' �� � ��� �

&{� 3��2� (� �,������ �5�" ' � � J��" � ���� �'�'������ ����" � ������ �� ��"��" �

��� � -. �� �" ��" �. (" *�2'�������� 3��2� �5� )24]29(

N ����� � �����: (���! ��' �� � 1��8" � �. �,=���� �,"�4�� ���� �+�

�&'�� � � ��"� ��6� ���'"5A� , ���G�� �� ��� # =�7 �� �"�&� � � � �+�� , J,�" 1+��'�

1��8" � �'"5A� (� 1��8" ��' '+2� � )�2�� 3�2'�� ,2010(.

� ح�ود ا �را

�$8�� ���#�� ���� ����# � :

1. ��� � : �.��'��� � ���" � �� (�+"�& � 1��8" � �'"5A� �+)�� (" ('G+� ��

�'��� �'7'4� � 9!��" �):�' "�! *'=� $.(

2. ��"� � : �'�'G+7 � �'"5A� 1��8" � �� �/"���.

3. ��� � : ��A ����7" � �'�"6 � # " � �87 � (" # �"" � #��7 � �.� ��� � 6����� ("

���)2012 ]2013(��& � (" ���/ � �87 � �'�,� ��� )2013]2014(.

Page 28: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

13

4. ��� � : �. �&�r� �'��� � ���" � #�� � 3�'�'����� 3���"" 3��'E�"� K+&��� )

?�G2�� , ��'��� , (''&� (+� �"�������' �� � 3��� � :(Singh ,2004 &

Shahzad et al 2008 ; Akhtar ,2008 ) �'�'����A� ����" � 3��'E�"� K+&�' �"'��

�. �&�r� ) K� � ����" , 9�� � ����" , ' � � J��" � ����" ( 3��� � �+� �"�����

�' �� � :(Sethi and Sathi ,1990 & Braglia and petroni ,2000 & Das

,2001 & Kara et al ,2002)

� �(�دات ا �را

3 : ��#� � K 8 ��� � ��� � -. J=��� ������ �'����" ��� �� $�,���/� ��� �

" � ('/��� % � 9"��" � �+� �� ��' � J=��� � �'"&� (�� $�'"+& � �,���"�� ��� � ��'� ���� ("

�+/�"" � 3�&"��" �� $��� � ��'� ��" 3�� .

� ������ � ���� � �>�>��� ��:

1] %���" �') ������� 3��27 ��� � ��'� ���� �,�� D�� � P��" .

2] �5���� �,��7' �� � 3���&8 � .

Page 29: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

14

�א�����א����� �

��א�������א���א���א������א��א���א���� �

� �

�����א�����א�����− �

�� �א���א���א������א��א����−���

Page 30: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

15

�א�����א����� �

�א�������א���א���א������א��א���א����� �

��� � %�'E�"� �!5& � % %�4� � ?   >�� �+� �87 � �. �"���: �������

��� � ����� � ��������� �� `�������� ����` �'��& � �2�� � 3��� + H���� ("���

���� ��� � �+�� ��� � L���"� �+8 � 3� �'������:

: ا 56#يا.�3ر: أوً�

"�#$%&���' ������� ������ : �+G8" �"#�� � (�"�" �� �'"� � �'� (" 3��'E� � (" �++� �'��� � ���" � ��

�'"�+ K���" � K'�G� � ,� -. 3� � #�� A� �"" 3�� #�� � �+"�& � P�2 � �� #�� � ���" �

�'��� � ("��� �� � ��� � ���" ��'�"4�" � �� ('+"�& � , �,�'� �� �,�'&�� �.��'��� �'� ("

�. ��2�� ��,���� �.6'7��� �.�'�G����,����,��" � )*���,2000�. (

��,7" � �. (" 4�5'�(� #�� � �'��� � ���" � �. �" �� 3�G��� �� 9" � �� 1=�4�

�'��� � ���" ��"4�" � �, �� �" ,=�4� � -. (�� �"� �"� �'4�� �. 1�'��� � ���" � 9"

�"4�" ��/�� ?����+ ���"/�� �,��� (" �'���A�& � �, � ��,7" �7'4� � �� " � �. �. �8

-.#�� A�. �"+& � ��G� � 9"�#�� � ���� � �� �"�� #��8� � ��8�� %��� � �8�& � ,

��8� �4�' � � �'��� � ���" �� ���"� ('+"�& � �'���'����� , �'��� � ���" � �� (r� D

� �" &' � ��� ��� �'�� A� �"� �� �'7'4� � � � ��� � P���� � 3��'E�" ������ ' #�/F" � �=

�' �8�!��� �'��"����� �'����2 � �'='� � 3��'E�" �� %��� � ��" � �+� , �. �� " � �.�

�&7 � � � �� " (Louis et al ,1995).

Page 31: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

16

%�(� 1=�4�� 3�G��� �'��� P��"� �� 2" #�� � �='� � ����" ?'��� �'��� � ���" �

�'+�� � �='� � �+� #�/F" � �'���� � ,(� �4�' � � �� " � �. � � ��4� � ("� ��4�� �"4�" �

� ���,�='�� �"4�" � �. % � �" , ��,7" � �. �4 ���#�� A4 �'��� � ���" � 1=�4� 3�,

3�G����P��� (" �' '+2� �') �,".� �,��� ('+"�& � ��'��� �,=�2��� �� �� �,'+� 4�7� �

7" �� �"4�" ���"& � �2�� �'��"� � 3��� , ('+"�& � 3�.����� 3��)�� �8�� � 3���"" ��

(Gomez et al, 1998).

�"�(� �'��� � ���" � 3���"" ('� �!5& � �'����A�� � �3 �� ����� 3�.���� �r�

��� �+� �'��� � ���" � �'����� �� �+��� �� �'��7 � 3�7+7 � (" �'/� ��G� 9"� #�� A� ,

��8� -����� � � ' � ��,7" ���� #�� A��" # ' � 3�2'�G� ' ��� �"' �'��� � ���" � . �7�

3�,'��� � �� ��G� � �4�'�'����A� �2� K�/���� A�#�� �'�'����A� &� � #�� � ���" �

D+� �. �'��� �#�� A� �� �'������ �'88�� � 3��8� (" ��6� �'�'����A� �� �'"'4�� �

%�' " 1=�4�� 3�G��� (" �6� �.3��� A� �''7�� � .

1'�&� (r� -����� �. K���#�� ��,� �'�'����� � &� �r' �'��� � ���" � " A�#��

�'�'����A� ��7 � 9" K���� �� �'��� � ���" � 3��'� 3�'�'����� �)�'8� ��&� �� �

3�'�'������ �'='� ���"���'�6" � K'2�� 1 ,� �"'4�� � ��', �� ��� �'���� � � �8�& � �G

%��� � "(Caliskhan,2010). 1'�&� � �.��� �' �� � ?���� � 6��' ��,7" � :

1. �2'�G� 3#�� � �'"'4�� � 3� �� � 3�G��� � G�� �=�� �. �'��� � ���" � ��,A��

�'��� � K'2�� �� ����" ��'����A��.

Page 32: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

17

2. �' �=" 92�#�� � %�' " (" �� �+� �'��� � ���" � #�� A� ('''7�� � (' ��" �� �'+& �

�'��� � ���" � %�' "�

3. ��&+� % � %�'� � �� �#�� ���" � #6'" � K'2��� �"4�" � C��� ' �� �� �'��� � �

�, �'���� �.

��������� ������� ��� � ����� � :

=��2��(�:

*�� �+� ���v� ��'����� ?�G2��� �'+"& �/' � � 3�'�'������ (� ?��& � � �8

'��� �� &�" #3�'���"A�� 3�� 2 �� 3���," �� ?.��" � ��'���� �,�" ����� �� �� $

1=�4� �� �"& � (" ���"�# �" �+� (�� ��2' �' � � �"& � ?�+r� $�"4�" � ���

�'� $���" � �� � % � % �7 � �"& � �+� *' � $�"& � Ks�u� �5� (" ���"� � �"& �

� ?��" � �7 � ��2��� *�� �+� ����� ��' �'��� � ���" � ��'���� ?�G2�� (�� �4� � >E

�. �" H�2�G �=� � �� �"�' 3��/ �"� �� �7'4� ��,"� ��'2+ ���'���"�� ���� !� ��.��" (�

�='� � G'�" �� L�2'A� �&'� 3��'E� � ?���' �'�G� �� �''E� (� $# ' � }3��� �"

%��� � �8�& � �� �7'4�+ ��� ����� � �� �+�� �.

�?�G2�� �'+"� 1�&���'���� ('+"�& � �,�r� (� ��� �� ��,� �� � �'+"& � ���" �

�'��� � �,��� ('���" � ('� ("�'��� � ���" � 1=�4� � �E� ('���" �� ('+.F" �

���' ��� #�)�� ���"����'���� �'+"� )?� � �� ,2009. (

Page 33: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

18

�'�� ���"�" ���� (" � � � �&�� �' �8�!� ?�G2��� �'+"� (��� �� (" #�

('���" ��� #�)�� � 1=�4� � �E� ('" 2�" � , ��'���������,�'� (" , �')(� � D

&'��"�5, � �'+�� �"& � K� �� � 1 ,� ?�G2��� �'+"� (� � ��8'� �'��� 3�"�+&"

#�)�� � 1=�4� � (�� ��"& � K� )�"4�"+ �'���� �� �'+�� � �='� � ( # �'6 ��� ("

�2�" � �7'4� � -. �E� ('+"��" � ('" $ � ��� 3����� ('" 2�" � � � 6� �"+� ���

('74�" � ��'��� �����/��� �7'4� � ��" 3��+G�" 9" �"����� �"=5" �� 1=�4� �

?�+G" ��, �E��.

�"� (� #�� � �,� � (" �'��� � ���" � P����('+"��" � ('" 2�" � '�6� �&�

�,���'� �"4�" � (� �'��� � 3�"�+&" ���,�G���� �,+E� ?�+G" � 1=�4� � �&'�G�

35.F" � �'� ����� � (" � 2� (� � �+'�+ �,+E� � 2�' (" �� �.���� ?��� � 35.F" ��

%� ��'���� �'+"� 1' ��� �'+2� 1 ,� 1=�4� � -. �E� ���+G" �(� �.� �&� 1 .

�'+"� �2'2�� ('" 2�" � � # �'6 ('� ��6��" � �. ?�G2��� )�=� � � ( ��'���������

��'���� 1' ��� >'7���� � �� �(�"" � ! )Decenoz et al ,1999.(

���.(���� � ����� �

(� �82" � ���.��B�9�� � : ��2��� �.�'��� � ���" � 35.F" � �,'� ������ (' �

��� ���+G" � �'�&" � 1=�4� � ��," 6��� (" �++ �"��� %� ?�+G" � ��� �� # �" �

3�����A� �� � �� �� � 3��G� � . 1'4�� �� ?)�' % � �7 � ��! (" �� ���� ?+G �' 2��

Page 34: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

19

, �,����6����� (" �7'4� �� �E� ��� 14�" ��'��� �+� �2���" �� ���2 � ���2 �

4�" � �� #�)�� � 1=�4� � ��'&" � �".

(" �)� ��� (� ("� P��� 3�'+"� �� ?�G2��� �'+"&� ��2� 3�"4�" � 9'"�

�"4�" (" ('���' �'+"& � -, ����� � �� ����� � � &" (� �� G��� � �.� � ("� P���

?�G2��� �'+"� (��� 1�� ��� � #�'�� �"4�" � (��� �" �� ��� P��� �������

2�" � #�� ?���� ("� ���� � -, �+"�& � � ���+ ���2�� D ��. (��' (+� #�'�� �,�

�,'� �"& � (��� � ?�'E � 3� &" L�7��� �. #�/F" � P����?����,�" # � , �"=5" � �

�"& � 1��4 , ������� ,3£���" �� ,D �') � � ����" P��� 3�"4�" ��� �� , ��'�

3�"4�"P��� ����� � # � �" ?�G2��� �'+"& �,���� (��'�� �'�� # ����" 3���� ��

,�� �" *�&� ?�'E � �+!� �'7'4� � �.� ���� 3�"4�" � -. ��� �'E8 D �- �2�� ,

�,'� (��� � 3� &" ��'������� �,"�� ���2�� � � �,������ �' �8�!�� .

�8" � �� ?�G2��� �'+"� &�� �'=� � � #�� A �"� � � �� �� �'��� � ���" �

�� (��' D *�&�� �"4�"+ �"�" �#�� � ����� �" �� �'�"�. ��� �'��� � ���" �

9�� � �� �"� � L���� (" L�� %� �&" K2��' � �" �� �"�" � ¤�"���� (" � �� �"4�" �(

Decenzo et al , 1999).

- :ا���78ر

��'��� �'+"� �"� �'��� � ���" � # �" ����" �� 3��G�� �"&+ ('" 2�" � , ���

'�6�� ��2� ����" � -. (" �+��"#�� A� ��� �'���� � 3�"�+&" �� �'��� � ���" � ��'��

Page 35: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

20

�'+"� �� #�� A� �����'���� �''�&"� �'����" � �''�&"+ �2�� �� �� -.� ���+G" �

� �. 3��G� :

1] �0� ���2� � : (�' � ��� �� � � �"," � 3��G� �� ��"�� (" �' ��� �+��2" � &��

�"4�" � P � GG�" J"���� D ��.��'��� �'��� � ���" � �+��2" � �=�8� �.� ("�

�.�8! , �� �'�,4" � ?���� � >&� �4�5" ��� �'� �+'�G #��� K�E�� � �,�� %� ��� �

��' (�'��� >&� ��� �2�� � ������ ���&"� � �� � �� �!��+ �� ��& � �,4" �� �7'4�+ � 2�" �

&�� �"&+ � 2�" � ��! (" �,�� ����A� ��' �+=�� (" � �+� %���� �8�� #��"�� � ��

����A� -, �4� �� ������ �'+��� ��� � � �'�� 3�"�+&" � 3��� K�2��� (''&� � �� � 2�" �

-��G�� (�"'#��"���,=+" (''&� ?+G .(Muchinsky,1979)

2] ,������B�� � =�� :

%����#��"�� (� 3�"�+&" �+� ��8�+ # &" 3��2� �+� (''&� � ?+G �'��� � ���" �

� *�� �� �"& �� �2�� � #��� �� �"'+&� � P��" � �/" �"," ����� # � (" � �� �� �'�� �

�'��"����@�"� # &�� 3��27 � (" �.�')� ��7G�� �� .(Russell et al , 1990)

3�"4�" � (" ' & � �� �'��� � ���" � #�� � �! ��2'���'���� �E� ('���" � (" ' & �

�'+"� ��� �/ #�)�� � 1=�4� ���'���� � �+� 1��' % � �' " � �5� (" �=�,� � 14�"

�7'4� � �E� ' � � , 3����2 � ��' �"�� �'��� � ���" � #�� � �! (�� P��� 3�"4�" ���

�/" 3�������� >&� �+� �"����� D � #�)�� � 1=�4� � �� �� >&� (''&� � �� �'=�,� �

�"& � �&'�G� �7'4� � L�� , 3����" � ��� ,�7'4� �� �G���" � 3���� " �� ,� �' " �� %

Page 36: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

21

#�)�� � �7'4� � �+� 1��'$ #�� � �! � ��' �'�'�"�� 3���� � >&� ��� �'��� � ���" �

��'�����=�,� � ��'���� ��' D &�� ���  �= �" � $ ���! (��'� ��'���� �'��"� �2���" &�

�7'4�+ ���" � �,�" �� ���2' (� &� �� D ��' �� ('�' " 9��  ) � ��?�$ 2009 (

���� �� =��� �:

'�6� �+� ��2� �� � �'+"& � �'��� � ���" �3���," �� 3���� �� 3�"�+&" �� �� � �"65 �

�' �&7� �, �"��.���'� 9��� �'����A� # �'6 �,�" �'�6" # � �� �'�G� �� ?'� � � (� � �

3�'��&"�'��� � ���" � 1���� ���� � �'+2�� K'"&�� �"& � � ��� >'7��� ?�! (�

�'4�� � ����"� ���2�� 6'6&�� �88��" � ���&" �.

� � �'�� �'�,� � �� �,�� �� ?'� � �� �8�� � 1'��&� �� �'.�7" � &�� L��� (" �)� ���

������ # �" ���&" . ��2' ?'� � ����"�.��� '�6�� ��� ���� �'��� � ���" � 3���," ��

('�� �. ���� �.�� (��' �� � �8�� � 1��&" ��� # �" ��� �� ��' ?'� � ��

�'��� � ���" � �,7=�4�� �, �"�� ���" �� ��G��� �'�8� �+� .���� �� �" �� ?'� � � � �

�� (�+"�& � §G�'�� � ��� � � % F' �"�� �,�" ���+G" � ��," �� �,7=�4� 3������� ��

&" � # �" � �''���   , 3��� � 9'"� ���(�"' �'�8� � ��� ?'� � � �'+"� (� ��2 �

1&� @5��.

�� 3��''E� �� �� � � 1 ,' �GG�" �G��� ����� ?'� � � ('/��� � >&� 1�� !�

3� &"� 3���," �� 3���� �� 3�"�+&" � �'��� �/" ����� � 9'"� (" ���"� � �� �7 ��� ��

Page 37: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

22

�G� K �, �"�r� ��'2+ �2=� ���"� � D+� �� �7 � �&�' �"" 3�.������ �"& �.( Shikha

,2010)

��� � ����� � &�� 9��#� �:

�+"�& � P�2+ 3�� 2 �� 3���," �� ���&" � �'+"� # �'6 $3���" � 9'"� �� �"& � �+� #� �2 �

%���̈ �" ��� �� �.��'���� �.F�2��� ��' �� �� (" �,���7� P��" 9�� �'E� �7+��" 3�������

(�"" � �8!� �'����A� (Armstrong,2008) .

�� �� ��� ��� � ����� ������� ���� ��� ����� ������� ������ � �� !� �

����� ������� �� ����" ������ #���� $%� ������� ��& ������ '#���� �������� (��&

$%� ��� ( ���� ���� �� � ��� � ��) �� *�� � ���:

�� ������� ) أ ������� �� � �:

,$��� �� ��- ��. ��-��

,/) �� 0�1 �� �������

,�1����� �� ���� ���� ��������

,�1����� �� �%� � �� 0�&

, 2%��������� ��������

�� ) ب���� ��� �� � �:

, ���3&" ���) � � 0��� 4��5 ���67��

, 4��5 ��������� �� ���28�� �5� .��� �������

, 4��5 ��5����� #�9 �86)�� 2� ��*�%��

Page 38: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

23

, ���� ����)���.

, �) ��� ��� ���� ;��< �� � �*-��5

� (������� ��� �� � � �� ���:

, /��� �� �=>% 0-�� ?���

, @�8 -� ��5�����

, ��� ��! � ��������� �*>����

, ��� A�1��� ���� 8���

, ��� =������ � ���� ���! ;��<�.

���� �:

�� � 3��''E� � ��!��" �+� �"4�" � �� ���!� � ��4� #� ! � � ��� ���� ����" � �'��

&� (� ����� � 9'"� (" �"& � �='� �� � �� , �,���'E�" 9" 1'�� ��(Sanchez , 1995),

�"� (Matthyssens et al , (2005 ) �� �''E� � �+� �"4�" � #� ! �,�r� ����" � (� P�'��������

3!� � �� =��& � �+'+! �G��" , ,� �� , �� �7+� ���� �� . �'�' �"'�(Bhandari, Bliemel, and

Hassanein,2004)�"4�"+ #6'"" �" ����" � (� � � ,�,�� ! �, 5� (" �,4� ('� G�� � �+�

�'���� � �,�='� ('�� �'�� A� �,�='� �"���.

Page 39: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

24

���� ��������� :

1��4 9" 1'�� � �+� �,�� ! �� #�8�&" � �"& � �='� �� 3�"4�" � C��� "�&'

#�'E�" � K� � , �)��(� �+�', �� # ' � 3���"" ����� �'" �& � 3�"4�" � �4&" # ���� � �, �

#�� ��� �� ��2�+ ?��" � 3!� � �� �'+� �� �+"�� � # �� ��G� ����" � �� (� 3���"" � -.

�7�� � ,� �,�� �"� �" �'���� #6'" ' �� �+� �"&� �� G2� �"�" � ('�� � �� �.�� ,

�'�(� >��7" � (" ��"�.�� (� ����" � ��� �,��" (��' �'�'����A� �,�� �'�G� �� �

�� #�'E�" � �&'�G+ ���� �������� 1'�� � (" �"4�" � (�"� �,� �'+�2�" 3�'�'�����

�'���� �� �'+�� � �='� � �"���) �'�' �'� �,2010. (

(� ����" � ��,7" �'�'����A� ��7+ �&'� � ������� �+� 3�"4�" � #� ! �"�'

�'='� � 3��''E� �� , 3�"4�"+ �� � (� ����" � D� ��'�'����A� K'2�� �,����� ��'��

# & � # ' � �'���� #6'"?��� �,�" :(� ����" � �'�'����A� �+� 3�"4�" � #� ! # �'6 G��

�� �&'� ��'E� � �� �� �� �&'� �� �"�, � �'='� � 3��'E� � �,���"K�����' �&�� #��7�� ,

(" �,�'�"��#�� �� �,��G��� 1��4 � -. �4 � , �. �"��� %���� � (" ����#�� A � ��

�'�2� � �' �& � 3����" � K� �� �"�" � �''E� �.

� � ����A�� 3��)�� 3���� �''E� �����5 �,��� !� 3�"4�" � �'+��! 6'6&�

#�'E�" � �5"& � ,� 1��+ ��" �+�7' ��5"& ,'2'�� � �"4�" � 3�� 2� �,"�"�.�� (" D � �

�,=5"� ('�� �,�'� ���7� � �'+"� �5�� $ >�� �+� 3�"4�" � #� ! # �'6 �� �,�".�"

�� �,�����"K��� # &�" ,�5"&+ ����" �"'! ' �� �+� �,�� ! # �'6� , �"4�" � �&� ���

Page 40: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

25

������� �&'�%� #�'E�" � �5"& � 3��+G �� �'E� , 3�"4�" �"� �"," �.������"

�,=�2�� , (" ' & � ('� ("� 9"��" � 3�2�G #�'� �'��� ('�� �"4�" � ��� ' ��� ��,��

/5/ D��. �"� � 3���'�� �=� � �'��: �'���E� � KG��" � , �"'2 � 9'��� �" � � J��" ��

����" �.

���� � /�>�����������>���@�

����" � ��,7" 1+��'�'�'����A�� ��,7" (�� ��& � �.��&"� ����" � ��,7" (

����" ��'�'����A� �'".� 3� # ' � ?����� G���' �'�'������"4�"+ .

(" �� � �)Hayes & Pisano, 1994: 77]86 ( ����" ��'�'����A� �,�r�

�G D � �+E�" �� #��G" �� #����" � 3�� 2 �� �"4�" � �'�'����� �'E� �'+��! $�,��'�'����A H�2

1'�� �� $�'!� � �,�8� �' &� �+� #� �! (��� (� �"4�" � �+� >��7" � (" $��< ��&"�

�,�'�'����� �+� 6'��� �� ��'"��' �' &� �"�� $K� � 3�.���� 9" ����.

�����)Snachez, 1995: 135]159 ( ����" � ��,7" (��'�'����A� �+� �"��'

3�"4�" � #� !�'='� � 3��''E� �� ��7+ �&'� � ������� �+� .

�"�'�1���)Narasimhan & Das, 1999: 683]718 ( ����" � ��,7"

�'�'����A��'� �'/r� � �� K� � 9" 1'�� �� # ' � 3����" ��� �� . K�' � *7� 9" K7�'�

)Bhandari et al, 2004: 11]22 ( ����" � ��,7" (��'�'����A��' 3�"4�" � #� ! � � �'

Page 41: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

26

����" � ��,7"� *' � $# ' � 3����8� # ' � K��� ��� � $# ' � 3����" �'�G� �+�

�'E�" � K� � 3��+G�" �2�� �,�����" ����� �' &� �+� �"4�" � #� ! �+� 6��' % � �' '+2� � .

¤!�� �"'�)Abbott & Banerji, 2003: 42]66 (+� �"4�" � #� ! �,�� �+� �

$?��" ?�+�� �,G��� 3�"4�" � �,'� ���6� �� � �='� � 3�'G&" �&� �� �������� $1'�� �

?��" � (��" � ��� $?��" � 3!� � �� $�,&'�� ����" � 3����" � @���� (� �+� �,�� ! *�&��

?��" � �& ���.

(" �� ('��)Yonggui & Hing]po, 2004: 34]59 ( ����" � (��A��'�'���

#�'E�" � �'���� � 3�='� � �� �7+��" � �"4�" � #� ! *�&� . ('�'�)Kastsuhiko & Hitt,

2004: 44]58 ( ����" � ��,7" (��'�'����A� ' �� �+� �,�� !� �"4�" � �'+��! �.

3��'E� ��� �='� ��, ������� ���� $�'���� � .

�G��A� >�E ��'=�2�����"'.�7" � ����"+ �'�'�'����A� ��G� � (� �'�&� � (�"' $

����" � ��,7" ���'�'����A��.� $�'�"6 ?2� �/5/ ��� :

)1 ( ������ � �2#1970

#����" � ?' �� (" ?�+� �,�� �+� ����" � �,'� 378� ��'�'����A� Strategic

Manoeuvrability 4 �,� ��' �� � ��� � *�&� �� �� 3�"4�"+ ��'������ D�+ � ��,

Strategic Behavior$ #����" � ���&� � �'�'����A� �='� � -��� 3�"4�" � ���� �'�� �"

('���" ��)Antonio, et..al, 2009: 669 .( 1'�� � �'8��� �,�� ��� �"�Adaptiveness

�+� �"4�" � #� ! � � �'�� �� ��������� �') 3��'E�+ �'8�� �.������ (" D��.� $�&!��"

Page 42: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

27

�') �'���� � �'='� � 3��'E� � �,���" #�! �8�� �,'G&' �"" �"4�" � �=�8� (" �'��

���� 9�� �� �"4�" � (��� �� �&!��" ������5 �'='� � 3��'E�+ C����� )Matthyssens,

et..al, 2005: 548.(

)2 ( ������8 � �2#1980

��� �,'�� ����" � �8��>������ �"� �" �'���� #6'" K'2�� �'=� �

Sustainable Competitive Advantage .�!5G��� ����" �� �+�� � (r� $D ("

�'�'����A� Strategic Flexibility H�'+�� �,7� �+�'. # ��� �+� 3�"4�" � #� 2� G���'

Restructure Itself Internally ����A�� �� �"� �'���� � �='� �� �,��!5� �+�'. # ��� � �

����" � 3�' < D )Asikhia, 2010: 21.(

)3 ( Bd� �D � ������ � �2#1990,s Onward

����" � (� �+� �,'� '�r� � ����'�'����A� 3�� 2 � ��,7" �,���" ���&�

Capabilities�� �� �'+�� � �"��& �� �/r�� �� �� ����" � (� %� $�"4�"+ �'���'�'����A� ��

�". $�4� ��,�� 3+"� ��2� � -.)Parnell, 2003: 15]22:(

] ����" ��'�'����A��'���� � �4� � �,�� (" Externally 3��'E� � (� �,��"�"� $

�''2� # ��� 3�"4�" � (" ?+G�' �"4�" � �"� �='� ��Reassessment �'�'����A�

" � �=� � � (" ���"�" ("� �" ���'�'����A� . �=� � � (� ��F' �" �.��'�'����A� �� !

�,=��� �"������='� � D+� �� �,&�� �''2�� �"4�" � ��'! �'7'� �+� .

Page 43: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

28

] ����" ��'�'����A� �'+�� � �4� � �,�� (" Internally � � ��8' �,'�� $������ (�

����" ��'�'����A� �'+��� K+&�� 3�'��" �/5/ (" (���� �"4�"+ �'+�� � �='� �� �+8�" �

�'�'����A��.� : �"'4�� � ���� � B � �& � P��" �High Level – Organizational

Direction �"'4�� � ��', � B G��" � P��" �� ²Medium Level – Organizational

Structure� B >7��" � P��" �� ² �'"'4�� � 3�'+"& Low Level – Organizational

Operations .

����" � �'".� (� �' � � 8���'�'����A� ('� 2� $)Yonggui & Hing]po,

2004: 34]59 ( ����" � �'".� 3�� � 3�"4�" � (��'�'����A� #6'" K'2�� �,����� ��'��

�,�" ?��� # & � $# ' � �'����: ��" � (� ���'�'����A� �+� 3�"4�" � #� ! # �'6 G��

$�'+���� #��7�� K���� �� �&'� � �� �� �� �&'� �� �"�, � �'='� � 3��'E� � �,���"

� �� #�� A �. �"��� %���� � (" ���� $1��4 � -. �4 �� �,��G��� #�� � (" �,�'�"��

�2� � �' �& � 3����" � K� �� �"�" � �''E� � �r� � � � �4 �� �'.

����A�� � � �5"& � 3��)�� 3���� �'E� �����5 �,��� !� 3�"4�" � �'+��! 6'6&�

�'� (� 1��+ � $#�'E�" ��+�7' (" D � �'2'�� � �"4�" � 3�� 2� �,"�"�.�� $�5"&+

�,=5"� ('�� �,�'� ���7� � �'+"� �5�.

� 3�"4�" � #� ! # �'6 �� �,�".�" �� �,�����" >�� �+�K��� # �'6� $# &�"

�� �'E� %� ������� �&'� �"4�" � �&� ��� $�5"&+ �2'2� �"'! ' �� �+� �,�� !

��� ' ��� ��,�� $�,=�2�� ��"��� 3�"4�" �"� �"," �.� $#�'E�" � �5"& � 3��+G

Page 44: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

29

' & � ('� ("� $9"��" � 3�2�G #�'� �'��� ('�� �"4�" � �/5/ D��. �"� � 3���'� ("

�'�� �=� � : J��" �� $�'���E� � KG��" � /����" � �"'2 � 9'��� �" � �.

�"�)Harrigan, 1985 (�� 2 ����" � �� �+� ��'�'����A� 3�"4�" ('�"� ��

�7���� $�" �& �� $# ' � � ����" �� �"�" � ��.�� � 1��4 � �� ����" � (" ��"���C� . �"�

3����" � � �,�����" (" �.F5"� ����' �" �� $�,��'�'����� �'E� (" �"4�" � (�"� �,��

�, ���� (��� ����" 3�"4�" . �"'�P��) Sanchez, 1995: 135]159 ( ��� �,��

+� �,�� ! # �'6 ��'�� $�"4�" � �� � �65�� �5"&+ �2'2� � �"'2 � 9'6��� ' �� �� �"4�" � �

���� � � �,+8�� �� � $�,��'�'������ �,GG� �' �&�� $��8��� �+� �,��' �&� #�' 6� $����" �

G+��" � K� � ������ >��&" � J��" � . � K�' � *7���)Hatch & Zweig, 2001: 44 (

����" � (��'�'����A� $�,�� L�� � �+� #� !� $K� � �� #6'"" ����" 3�"4�"+ K2�� #� !�

��2&" � (" *'+� $�,�����" �&'�G 9" ���' �"� $�8=�8�� 1 ,�" � �,!� � �&" ' �� �+�

�� �,���)�� K� � �,�" (���' �� � 3���G2 � �� 3���� �'�+� (" �" �"4�" (�"�� (��� $�,!

��� �'�+� �+� 3�"4�" � ��' K� � (" L�G! �+� 6'��� �� 1� .�� ' �� (�� D +� 3�

�� �,���)�� �5"& ���,!� �5� (" ����� ��� �,�����" �'�G� (" �,��"'� $���� ����

�� �8�� �@����3����" � (" L���� .

������(� ���� � !�2�� ����@

B H�2��)Evans, 2007: 123 ] 130 ( ����" � (���'�'����A� � (" (����

G� �+� %�G�� �� � ('"��" � (" (" �,'� �"&� �� � �='� � 9!�� 9" ?���� 3�'�'����� �'�

Page 45: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

30

" �� �' &� �� �'�8� � �'+��!� �7� �� 1'�� � �'�����G��� �� �"��� ���'+ �� G'��� ��

(�" � 9���� �� 3�" 8 �(�7� �� .

����" � (����'�'����A� �&'�G � (" D ��"��� 3�"4�" C��� #�'�� �'".� 3�

�' (� (" �� ���� 2� $H��'�� 3�"4�"+ �'+& � #�� A� ��! (" �,'+� 6'��� � (�)Lindgren &

Bandhold,2003:15]18 ( ����" � ('�� (� � ��'�'����A� (" K2��� (� (�"' �"4�"+

�.� $�''=� �&�� �/5/ �+� 6'��� � �5� :

�"�� ������� �"4�" � #� ! 6'6&� �� �.�' �" # �� (" �.�') ��! ���+G" � 3��'E� �

3�.�'���' �� �=� � � 9��� �='� � �'+�� �� ��'2 � ?+G�' �'�7� � (�� $P���� 3�"4�" �

�+"��" �# �7�5 3�� 2 � 6'6&�� ��7 � (" �'�'����A��"4�"+ .

,��>� � �'���"A� �"4�"+ �'�' ���� $��� �� ?& �� K�2����7�� �&�� PF� #� ��" � C�� �'&

�+� '�r� � �5� (" �&7 ��������� �'�7� � &� �� #6'"�" � 3�"4�" � 3��� ��� $L� �A��

#� ! D+�"�1����� �'+"� 3�� ! �' ��� �� ?& �� &� � �. (�� H�'�4� ��2�" �

?�)�" � ��2�" � ����� ('���� �'��� � �� ��� 3�" � �� 3����"+ ?'���� .

���8��(� �,����'� �� � �'��� �'"�"� �'E� �+� ��8� � (" �"4�" � (�"' �'�'����A�

��'�8 �'��!� �Gr� #66&" �'�! �'"'4�� ���2/ ��� �5� (" D �.

� �"'�)De Toni & Tonchia, 2005: 531 (�&��� ����"+ �'���� �&��

�'�'����A��.� : ��� �Speed" #� 2 � �+�������� $K� �� �5"& � 3��+G �&'� �

3����" � �� ���� # ' � 3�'�2�� ����� ��� ��" ²K���� Consistency" @���� �+� #� 2 �

Page 46: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

31

C���� �5"& � 3�&!�� ��+' ('&" J��"" #�'8� � ²Acuity" F��� � �+� #� 2 ���������

3���'���# ' � � �5"& � 3��)�� " �7� � ²Agility" 3�='� (" ' &+ %��7 � 1'�� � �+� #� 2 �

�7+��" � �"& �" �'�� �A� ²Innovativeness" �8��& � 9"� # ' � ����� ' �� �+� #� 2 �

��� (" # ���" ��� ����"'! 3� # ' � � �8" ."

� ��) Lomash & Mishra, 2003: 182 ( ����" � (��'�'����A� �� 92� (� (�"'

�G��". ('=� (' &� K�� $G�"�� �&��� � : ��� � ����' �"� $L��� �� ��� �)2.(

$"�)2(

������(� ���� � 6���@

Source: Lomash, S & Mishram, P, (2003), “Business Policy and Strategic Management", New

Delhi, Vikas Publishing House PVT, Ltd: 182.

� � (� �'� �,���" �� 9�� K�G� ("� #� ��" �� �&7 � �'���"� �"4�"+ �G&' L��

�� �"4�" � #� 2� G���" � L��� � H5/"� $�'='� � G�E� �������� (" K� � 3���� 1+��"

Page 47: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

32

�&�� @���� G�G� �'�G� �5� . ��� � �"�Speed �,���" �� �,�'+��!� �"4�" � #� ! ��F��

� �� �''E� � 3���� #�'�� � ��� �� �='��� �� ��� �� D $('&" �&� ��+G�' 3!� �!� ��&�

@���A� �4� 9'� ���� �'"8� � # ��� ������ G����������# ' � 3����" 3��+G�" .

��)Bhandari, et..al,2004: 11]22 ( ����"+ �'=� � �&�  �,��� ��

�'�'����A� �='� � �4 �� �8�!���' ����" �� $J��" � �' 2� �� ����" � $�. �&�� �/5/� �' �� �

P���� 3�"4�" � 9" �"�&� � �� ����" �� $�'�� ���� � ��. �,���� ����" � L��� (� 9"�

7+��" (� &� �/"'� (� �,� >��7' �"4�" � #�� � (�� ��.� $�",�'� �'/r� � (� ���' H��'� �,�� �� (

�4�� �r�������� ����" � (" ('&" P��" ����� (' &� � ('. ('� ��� � � �&'�G

�'�'����A�(�"" ��'����� �� � ���� �"4�" � �G&' .

����@ ���� � ��������:

�� �2 �&�� ����" � �'�'����A� � � �' �� � ��� � �� �/5/ �&�� �'�� �, �����

� �� � ��� � �+� ��� �:

1. 1�� � ���� : �'���� � (� � �,� K� � 3��'E� 9" 1'�� � �+� #� 2 � �'/r� �

�+���"�� ���� � (Gupta and Somers ,1996 ) 1�&� �"��,�� �+� ��4� � #� !

K� � 3��'E� �������(Das ,2001) .

2. :��� � ����: ���� � �� 9�� � �+� ���� � #� !)Sethi and Sethi ,1990($

1�&� �"��,�� ���� � �� � �,� �'� 9�� ��4� ���� �+� #� 2 � )Braglia and

Petroni 2000(

Page 48: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

33

3] ��� � ;��� � ���� :%� �+� ��4� � #� ! ��'� 3����" � �' 2�� �< # ' � � 3�" � � (Das

,2001) 1�&� �"� �,�r� (Kara et al ,2002) �� 9�8 �+� #� 2 � �. 3����" ��

���� # ' � 3�" �.

����� � �����

��������� � Definition of Banks

?&8 � ("��G�� �"�� 1'�&� 1��8" � (� $1��8" � ����� 5� � �4&" ��

�"� $ �, 1'�&� �+� ('���2 � -. ��� �'� $ 3�&'��� �, �,��"� �� � � � � �� �,G���

1'��&� � -. 1+���15�����G �����2 � �,+��� �,G��� �&'.

(���! 1:�� !�1��8" � �� ��� �!� )28 (�� )2000( ��� �+� ���" � D�� � $

���""� �, ���' �� � ���� ���"��� (���2 � �. ����� K�� �'��8" � ) (���!1��8" �

�� ���,2000( , �+� �'��8" � ��"��� 1:����,�� ��,"� � (" 9=� � � ���! ��,"� ���

�'+�" #��8��� ��" �'=6� (�"�=�� ��"�� %�� P��� ��2' 1�8" � �.������ %6��" �

�'��8" H��"��) (���!1��8" ��� ��� ,2000(� $ 1��8" � G'�� �"&� �,��� (�� �","

�+� ��8�+ �&� �� � 3���"/��� ('�� 3���"/��� (� ���� �� � 9=� � � ('����"��

5 � �, �"6.

3�'�� � ���# ��" � �'�'�"�� �+� 3+8� #r��" ��r� ���8" � (���2 � 1�&'

�"' 1��8" � ��"�r� ��'2+ �'�8�Bank charter �"��� � (" �'�8� � �. 3+8� ���

�'6��" � ) �' ��������' �� 7 � (�� ('�' �/ ("� $�,G��� �,'� ����� �� � �'�� � �"��� ("

Page 49: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

34

2 � 1=�4� � -. #����" �.����� ?��� � G��� �� ��'�"�� 1�8" � 1=�4� ����8 (���

3�F" � ('�� ��'� ����� � � � (��� �'��P����.

����� ,o������� �

�8� 1�8" �"+� )��� � ��� (��&"� 1�8 � (" #��r" �'��& � �E+ � ��) 2� � 9'�

2� ��) (�' & � ������ �+�" .(� �"+� �,+��2'� $1�8 � �'� ��' % � (��" � �,� 82' )D�� ( 3�

�8�� ��������' �G'�� �"+� � (" �2��" �� )Banco ( � ��G � �� # ��" � ��&� �� ��.

G������ �"+� � -. ��"���� �&' �'��8" � � � (� ('���8 � (' ���"+ � �����

# ��" (�+"&�'�'��� �, �"�� ���"" � �7+��" � 35"& � ����� 9'� �� ����� �� D

�"� $ �G� � (��2 � (� �"+� )Bankrupt ( ��&�� " *+7" " (" 3����8� �'� � �G'�

# ��" � �� ��&�%� �� (5��� 1��8 � # ��" �5�� �� ���"���� � C�" � � ��

����8 � � ��6" . (���'�����" � #�'� (� � ��� �� � -. ������ �+� � � �5 � �'+� �'

(�2 � �" ('G+� >�� �+�� K�� � �� # �& ����� 5'"+ . �� ��� 2��'�����" �" �8� "

L�' �� �� � =��" ?+!� $ ��', � �� (����'� (�&'�' ����� % � 9'"� �"�� $ ;� ��'.

����8 �) " ..... �"�",1982.(

�'��� �&'�#r��� 1��8" � � *r� �'� $ 5'"+ #��� ���/ � (�2 � 18��"

��� �'! �� � ��' " �� D�� ��� )1157 ( ���+��� D�� -5� ��� )1401 ( �� �'� D�� �/

Page 50: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

35

��'��� � �G)1587 ( �� �. �2� L� '�� (=��6+ �"� $�'! �� � ��' "�1�8" � *r� �"�

1�8" ��� ���+��� 1694 $ �1�8"� ���� ��� (�'+��� �� % �1800 �.

(� ���8" � �"& � �� �/"�' �/ $�"�� �'� � �� 9=� �+ ���! ��"/�� >=�7 � �6� �

�,�")(�"�=�� (�"&�� �&�� ��G� 6�� �"�� �" 2�" ����" ��3� ��" � �� �+'�� �2� � �$ 2 �

�� (�'+��� �� (''�"� � �/" � ��� ( " � G��� � �. 1��K'�)A 37+��� (�� $ (�"�� ��

������ �.�4" �� .

("' �� ��� � 9" �,������ #��,�" � 3� �� ��" ��� �5A� ��! ?�& � ���� �"� .

��� � (��� ) �+� �'+� ;� �+8 (– #��� � ��! (" – 9=� � � - �� 3'2� �'� ('"��� H���,�"

��" (" ����. �'�! ���� ��� �'� ��' " � H�'+� �,� ¶�– �,�� ;� ��� ] �. � � �� � �

�,���8�.

,o������� � �����

#���� � 3�& 2 #��� �5� �'"5A� �'��& �9��� ("�/ � (�2 � (" H�� � (��!

% 5'" �� � ��G� �� H��'�� H��� ��� % �� � (�2 � ��"��� �� # =� 3��� �� � �'��8" �

�� � 5� � �+� 3+"��� �� �� $ �,��� ���'��G���"A� (" ��6��� �'��7 � �'��G���"A�

�'��"�� �.

�"�3 ��� �'��& � #���� � �'"5A� �+� "�&� ���"�" �'�! �'��� # ��! �+�

$ ����8 � L�"��� �'��� � �� �� �'�� � (<�2 ��"�� P � % � � � �' � � #���� � K�G� L���

"�� ('� �.���G!� � �& � �"5A� P��� �'��� (" ����� � � �& � 9"� �'��� (" .

Page 51: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

36

(� � �& � �� �'���� �� �'+�� � #���� � ��. 6� �"5A� �'&'�G ��'�� (�� ������ "

�' �" �'��8" �"4�� " (" �,+2�� �2� � ��� � �''�� %���� � � ��� � �'+"� �',� 3� ,��

%���� 6��"�� �'! �/" $ ��< � ('"+" � ����'8 � ��"���� �� ����'8+ (�� �� � �' '+2� �

��r� 9=� �� �,47�� ��� � � �� �,�"'! ' ��� �2� � (6�� �2�� � 3����� ��� ��� �'E�

����� ����'8 � �' 2����"��� (�& � ' ���� � � � >&� �� 3�"��� � (�'��� �'����

����'8 �����"& �,'+� ����" � D��8 � " H�' �� 3��'� � . "

(�"+" � 1�� !��=���� -. K����� �'���� � �,"� ���� ("�/ � (�2 � �"

� % 5'" ���� �,�" 3+2� � �' �G'�� ( " � * ���� �!�� �/ ������ ('"+" � ?�& � ��G � !�

(" �'+'�"� |'8 ������ �5� (" ���8" � �"& � " �'!�� � �2& � " �� �"�&� � G��� �� �

9'"��G���� �' �8�!�� �'" � �� �'��8" � ��"��� �'�G� �� #6'"" �'��� �+2� D ���&'�

�' '+2� �)$(��82008 ('��8" ��"�� 3�,4 (� � �� �/" �����" :9=� � � 47�� $ 3���� �

�' �" ��� ���� $35"& � � $?���� � 1�8� $' 2�#���" � �� $9� � �"��� 1�8� $ �"'! �' r�

D��8 �.

-. ���&����"��� �'��& � 5� � �� �,"� ��� �� #����" @�"� �'��8" � �'"5A��

��! $ # ' � (��2 (� �,+2�� (�'��E � ��2' � � (� +� � �'������ ��,� � �8� 18��" �� .

1��8" � #��� 3����� 2 �'"5A� (" 7� $�8" 5����� )1971� ( ��2' 1�8" ��� *�

�.� ��� � *�� �') �+� �'��8" � 3�G��� � ���""�1�8" � � % �� ���"���� �8��

��� �'� � �� � �"��)1972� ( *� �+� 1�8" � �. ��! 2 � $�'"5� (' � K�� �"5A�

Page 52: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

37

*�� 2� (�� ! (� � ��&'���������'E� 1�8" � �. ��� �+� *� %� 1��8" � (" -

1�8" ��� *' � 1��8" � (" -�'E� %���� 1�8"�"5� (� �4� � >E� ���� �

�'"5A� ��� ��� $ �,� �"�&�" � )1975 � ( �� !����� " �� D���"5A�"

� � ��3���"A� ��� �. 1�8" � �. (��'� �8�� ���"r� $ # ��" � �'��& �

1�8"�"5� K�� "�&"*� �&'�� � ���!� �'"5A� ��4� � (�� !� $ ���� �,

1��8" � (" ' & H�'��� H�� 8" 1�8" ��'"5A� �2G�" �� �8��� $ - &� 3� �� �

���& � J'+� � . �,� ��������� ��� (" )1976� (���� "1�8" � �"5A� �'"��+ " � �"��

&� # � ��' " ��(�� � �! �8" 3"6 �� � �' �" ����'"5A��. � | �� � )36 (!�7�� �+�' �

��� �� �'r�)1974�(.

�. ���&'�1�8" � 1�8" ��� �"5��'"5A� �� � �'� �.�� � � . �/

1��8" � *'r�� ����� ���� 3�"���'"5A� 2� � ��� �,2'�G �� � ��. 6��� *� �� $

��� )1977� ( (" �� �.� # ��� #�" �'"5� 1��8" �/5/ :1�8" �8'�

�"5A� $%�8" � 1�8"� �8'� �"5A���� � � /1�8"���'�� � �'�"� � ) 3�2'��

�2��,2010. (

����� ���&' �"� 1�8" � �"5A� �� ��� �'�"�+ ��"/������� )1978� ( �����

=�� ����� # � �" �"�� �".�" ���� !� �'"5A� 1��8" � *'r� �� #1�8" � �"�� �

�� 22 / 9 / 1979 ��� �� �/ �/ � ����" � ����� $ 1999 �� ��& � 1��8" � ('� ( ���

3E+� �� � 3� ���" � ��� �'� ("�,�"'! �� 30 / 6 / 1999 � ��� )732 ( $ ���' (�'+"

Page 53: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

38

�E �� � 9=� � �� )540 ( ���' (�'+" �'�"� � ��"��� $ ��"/���� 3E+� �� � )475 ( (�'+"

���'

1��8" � � '�6� ���" � (�2 � (" 3��'&� � �'� � ����'"5A� 4��+" ����

1��8" � 3�������'"5A� � � |+� (� � ��� ��� �. )2000 � ( � ���187 1�8"

�"5�. ��� �: 2'��, �8� ?��2' �"� 200 ��'+" �� ������ $ ��'�"� ��� �/�� (" 60

� �& � �� (" � � �"5A��'��E � �� �� . � (" �/�� ��'300 |+�� �' �" �F"� q���8"

�, �8� � ��� 400 ���8" � L�G2 � �"�'� ��'�"� ��� ��'+" �"5A� K�7� #�'�� 3� &"�

20 %H�'��)3�2'�6 ,2008(.

2 3��8� 1��8" � A��'"5�� !��� � ��G� 36���� H��"+" �&� 9�� � �5�

�'��� ('��& � (�2 � (" 3&� ��� �� � �8& � 35��" 9" ����'�� �"�&� �� ���7� � K��� ���

���" � �. �� �"�" � � 2� � �5� (" � �& � �����.

1�8" ��"5A� �' �" �F" �. �'��"/�� �'�"�� � �� 3� ������' �'��"����

9'"�� 1 ,�����"�� �� ���� K'2��� �/"�� �&'�� � ������ ���! ?��"� - ���"

�'"5A� �"���" �"5� 9"��" ���� ) �2�� 3�2'��,2010. (

1��8" � 6'"���'"5A� �'��8" � �, �"�� *��"�� ��'&" 3�"� �=�8��

(� 1+��" ?�+r���"���'���� � 1��8" � (� #���� �'���� � 1��8" �� $ �' '+2� �

(" >���!��� %���� � 1�8" � �7'4� ��+��� $ (�"�=�� �� (' �� �"�&�� �' �" 3�F"

('� �" �)9=� � � ?��8� ���"� >��!� %� ( ��'2 ���,���!�� (�����' % � ('�"/�"+ � �

Page 54: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

39

�'� �,������" �'�"�(� �. >���!�� ��6� � $(' �� >��!A�� �. ��6 � (' � ('�'� �"

<��(' � �7'4� � (r� �'��� ��� ��� �+� 6���� %���� � 1�8"+ >��!A�� �"�&� ��

# =�7 ���� K'�G (� ��� � ��� ������� ��2� �'���� � 1��8" � (r� ��� ��&"� $ ��G& ��

�,� �"�&� �� (�' ��.

1��8" � �"��'"5A� � �,�r� -��8 3��� �"," ��� �� �"�&�� �� (�' �� �����

�� ��� '� � ���������!� H��� $ �� ��G� #����" �2'�G� ��� $ �� � &� 82'� $ #����" �')

(�' �� #����" �#���A� � � 1�8" � ('� #6'"" � �!5& � �"5A� $ (' 9=� � � ?��8��

*�� �+� �"=�! 3' �!5& � (� ��� �r� $ #����"� �����" �!5� �. �� $ (' "� (=�

�����" ��� �����" � �� #����" � �� ���� �� 9'� � 3�'+"� �� �����" � .

��6� �� 1��8" � �'"5A� �. ��� �� �"�&� � � &� ��6� � # � �� �'�� � (<�2 � % ,�

3�'< �'�<�! � �&� � �! �/" :

} �:��� 9'� � ;� ���� ��� � {) #�2� �,275 (� �&�� ����� � �!�} (' � �,'� �'

(��+7� ��+& ;� ��2��� $ �7���" ���&�� �:�� � ��+�r� � ���"�{ ) . (��"� �<,120. (

B���� �� ����� ����� �:

1�8" � 1�� 2 �"5A���� �+� ('G+� �� �"5A� 1�8" � (���! K�� : ����

�".�" �&'�G � ������ (" 3��� " � 9"� � � 1 ,� �"�� �� ��� (" (''�������

�&'�� � ����� �2�� ���"� �� �7 � � �8 ��"/���� �'�"� � ���� �� �,"� ���

Page 55: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

40

�'"5A�) �'�'G+7 � 2� � �G+,2002 ( �,'r� �� �� �� ��'G+7 � ��" � 3'� ����� �+/"�"

� 3+"�� ��& � *7� �� �&��� � � �. � �8� �'"5� 1��8" # � ����� �.5� �/ �'"5� �

�.� �'"5� 1��8")6 3�2'�,2008( :���& � �"5A� 1�8" �� $ (�"� #�.�2 � 1�8"

–�'"5A� 35"�&" � L��� $�"5A� �8!�� 1�8"� $ ��'G+7 � �"5A� 1�8" �

��"/���� �'�"�+ .

���157�� �� �'��' 3� ���" %���' (� �+� ��'G+7 � �"5A� 1�8" � ('� K�

(�"� #�.�2 � 1�8"] -� !� |+�"� �'"5A� 35"�&" � L��320100��� )1�8" �

�"5A���'G+7 � ,2005. ( ��'G+7 � ���8" � 6�,� � �� ��� J" ����� ��� -. &��

+� �� �+"�& � �'"5A� 1��8" � � ��8' �,�� L��� ���� ("� �"&� 1��8" �/5/ ('G

#6) L�G!� �'��E � �7� � ('� ��6�" L�� ('/5/ � ?��2�.

9=� � � ��� |+� �"�'�� 4��+"� 9'� ���� 1��8" � -. �� 9=� � � ��� �"���'�

��� 1��8" � -. ��1997 ��"'! �" 59201 ���� �"� ��'�"� ��� (�'+" 3.32 % ("

� 9=� � � �"����'G+7 � ���8" � 6�,�, ��� �'�,� �� ��� � -. 3&7��� �1997 |+�'�

� �&' �" �,��"�"403146 ��� �+��" ��'�"� ��� (�'+" 8.11 % P 9=� � � � �"�� ("

� � # " �5� D � �'"5A� 1��8" � �,'� �"� ('G+� �� �+"�& � 1��8" � ���� 2& � 6����

("6 � (" 18� ��) .6� 3�2',2008. (

Page 56: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

41

�>�5��.� B���� �� ����� ����� � ����@:

��"/��� �,�'"��� 9=� � � ?� �/" 1� .�� (" ' & � K'2�� �'"5A� 1��8" � 3r�� 2

����" � 9'G�' ��� �7� 1�8"+ % �" � ��� � K'2��� �'"5A� �&'�� � K�� ���"��

�,�"� K� � �� ��"/���� � �8 �� �. �" 1�8" � �. �� �"&' % � 9"��" �.

�,2'2�� ('G+� �� �'"5A� 1��8" � �&� �� � 1� .�� �.� ("�)1�8" �

�'G+7 � �"5��� ,2005( :5"�&" � �� �'��� � ���2 � K'�G� �� �".�" � �' �8�!�� 3

��� ���� �'��8" ��� $�" � 9=��� ���2" � �' � � �' 2� (�� �'�E 3 �� �� 3"��� �� �� 9"�

�' =�2� ?��� ���8" � L�G2 � 9" �"�&� � (�� $ �'+�� � 3��� " �� ���"�� ?����

&� ���8" � 6�,� � �� � � �� �� �'���� ��� $ 3�F" �� ����  �"65 � ���"�� �'���

" �� 3�����" �� ��"/���� �"5A� �'�"� � |'8 �5� ("3���G2 � 1+�� �� ?& *' �

G2� � �" � G'� �� $ 3��8���� �'�� ���� � �=�� �� ���� �'"5A� �'��8" � 3�" � � �' 2�

" �� L��� �� ��G� � 3��+G�" ������ �/' � ��5"& � P 3��)� � L���� ����� $ � �" �'��

&�+ ��� ��'�� �"5A� ���8" � ��4� � 9" �"�&� � �� ��&� �� � ��'2 �� ���8" � �"�

�"5A� % �8�!�� ��4� �� >�,� �� $ ��� �,,'���� 3��� " �� ���"�� ?� �=�� �'�G�

%��� � �') ���8 � ?�+��� ��"/��� �� �����" � ��'��� $ 3�" � � ��� �� ��"�.��

� �+� �4�" � ���"���� ����� � ��8 ��'�A �� �, � 3�G��� �� �����" � �&7�" � *� .

Page 57: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

42

B���� �� ����� ����� � -5��.:

(" ' & � ��'�=�8� � �'���� � 1��8" � (" -�') (� �"5A� 1�8"+ #6'"" �

�' �� � G�2� � �� �''=� �� �"," � 3�" � -. >&� >�� (�"'�:

1] . 15���� �� %�.�� � �� � �.� �'"5A� 1��8" � ��� �.� �"5A� 1�8" � (� �

�, ���� (" ��� %� �� ��� �� �"�&� � ��2' �� ��� �� �"�&� � ���' ��� �� ��� � �+� ��2' �

�,��G��� ��.

2] ���� �&'�� � (" G���'� �'"5A� �&'�� � �. �"5A� 1�8" � �� �"& � *�� (�

�&'�� � K�� ('���2 � -. (��� �� 3�����A�� ('���2 � ����A� (" ��� %r� �,7 ��� ��

.

3] �=', � -. ��2�� �'��� � ���!� � �='. �"� ���!� �='. ���� �'"5A� 1��8" � 6'"��

1�8" � 35"�&" 9'"� �� �'"5A� �&'�� � �''�&" K'�G� �+� 4�7� ��.

4] �7+��" �!5� �. �' �5"& �� �"5A� 1�8" � ('� �"=�2 � �!5& � �&'�G �,�&'�G (�

��� � �� ����� �'"& �� 1�8" � (��' �"5A� 1�8" � �7� %���� � 1�8" ��

�� ��� � (� �4� � >E� ���"�� �+� ��� �� �&G�2" �8� �". �� *' � #��� ��

#��� �.

5] ��2' 3�" � � >&�� �"5A� 1�8" � �') � �'��"��� 1� .� �, (��' %� ���+ �� �,

�'�"�� ��.

Page 58: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

43

6] �� �"�� � ��'"� (�"' �" %� �'"& � 9" �.�7� � (" � �� �"5A� 1�8" � �� ��'

' � � �',� 3�����A� >&� L���� ��'� �'"& � P �2'2� � ���A� � �� �� �"�� �

�"5A� 1�8"+ �'"& � �+� K��" � .

���� � B� H���� � ����������� ��2� � ���� �� :)6�3�2',2008(.

�' '+2� � 1��8" �� �'"5A� 1��8" � (��,".� ?���� � (" � �� ������ : (�

�� . �".5���� � K'2��� $�"/�" �� �� " � ('� � �" G'� ���&' ('��8" � (" �� $

�� �� 1��8 � �" � �/" ('��8" � 5� �� K�G� 3�" � � (" ' & � ��'� $ *F�

��� �+� �,&'"�� �".�" 3���� $ 1��8" � (" �.�'E� �'"5A� 1��8" � 9���

� � �� # =� � �''�&" �� ('���2 � � �.

2��� � ������ �:

1��8" � ����� �/� � ?���'"5A� 3��� � �� �+! D (� J�� ('G+� ��

�'� �,� �2+&�" �(� (� #���� 3��� 3��� � D+� �4&" ����� #�'E8 �<�2" D 9"� 3�

�88�� ?� ��� # &�" ?���� (" �,"'2� �� ��� ����� � -,� ('"�," � ('/��� � (" D��,�

>�� �+' �" ����.�3��� � -. :

��� � ������ �

����� �"�3�8�'� �)2005 ((���&� ���� �� " ����� ,4��" !�+ ����

�+��� ��� � ����� � ,���� ������� ���0� �#� � ����?� � �� ���?� � 4��0�� �>

B�9�� � �9� >�� B�". $ ���" � #�� � 3�'�'����� �' �&�� #��7� 1�&� � � ��� � 3�

Page 59: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

44

��'����� $ �'��� � ���" � G'G�� �� �+/"�" �� �'� ��� �'7�8 � 3�F" � �� �'��� �

'� �� $('+"�& � �� � �''2�� $(''&� ���F" � �� ��� �,�!5�� ('+"�& � ?.� 9"��" �"���

�. � | �� � �'� ��� �'7�8 � 3�F" � �+� ��� �)21 ( �� �� �'� $�'7�8 �F"

�,'+"�� � �� � 3�F" �)50 (�. � |+� �'� $�7'�8 (" �/�� � 8� � �/�r� 5"��)4 (

� � J=��� � � � ��� � 3+8��� $�'7�8 3�F"��' : �' �&�� #��7� ('� �'���'� �!5� ���

���� $�F" � �,=� �� �'� ��� �'7�8 � 3�F" � �! �'��� � ���" � G'G�� 3�'�'�����

�'� ��� �'7�8 � 3�F" � �� ('&� �� ��'���� 3�'�'����� �' �&�� #��7� ('� �'���'� �!5�

'���'� �!5� ��� �"� $�F" � �,=� �� �� ('+"�& � �� � �''2� 3�'�'����� �' �&�� #��7� ('� �

�' �&�� #��7� ('� �'���'� �!5� ��� D ��$ �F" � �,=� �� �'� ��� �'7�8 � 3�F" �

�F" � �,=� �� ('+"�& � ?'� � 3�'�'����� . �'+�� �+� �"& � ��� � 3�'8�� ('� ("�

�� � �='�+ 1&� � � #�2 � G�2� � 1=�4� � �'+��� $ �'���� � �='�+ 3� ' ,� � � ��7 � � �'+

�'� ��� �'7�8 � 3�F"+ �'"'4�� � ���', � �+� �,7'�8� � �,78�.

� !�����)2007((���&� ���� $" ����� � �� B���� � 4��@ &�� =��� � ������� �8@

���0� ���� � :� � �9� >�� B� ���� ����B�� " 1�&� � � ��� � -. 3� .

�+� �.�/�� $�'� ��� �'���� � 1��8" � �� ?'� � � �'�'������ �!5& � 3� 3���"" �

�� � P��"�'��� � ���" ��,'� ('+"�& � . �'���� � 1��8" � 9'"� (" ��� � 9"��" (����

�'��� � ���" � #�� �� �8��" #�=� %��� �� � �'� ��� �. � |+� �'� $)17 (H���8" . 2 �

��� � -. 3� ,��)10 ( �'=� � 6��" � �� ('+"�& � �'��� � ���" � #�� � %�' " ("

Page 60: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

45

� 1�8"+ )20 ( ��� ��' " �� �+"�& � L��7 � #�� � %�' " (" . #� r� ������� 3" ����

3���'� � 9"� .�.6��� J=��� # � � � ��� � 3+8�� 2 �: �'�! �'���'� G����� �!5� ���

�'���� � 1��8" � �� �'��� � ���" � #�� � %�' " ���"" ��� ('� �'=�8�� � � 3�

�� � P��" ('�� $�'�'� � � �'+"& � ����" �'� ����'��� � ���" ��,'� ('+"�& � . �!5� ����

� � L��� ��� ('� �'=�8�� � � 3� �7'&� G����� �� ('+"�& � ���  �" 2" � �'�'� � � J"��

��F. �� � P��" ('�� $1��8" � -.�'��� � ���" � .� �'���'� G����� �!5� ���

$?'� � � �'�'����A �'+& � #�� A� %�' " ���� P��" ('� �'=�8�� � � 3� �G��"�

G�� �G��� �'��� � ���" � #�� � %�' " ���"" ��� � �� ?'� � � �'�'����� ���� 3��

K'�G� *�r� �/' � � �'�� ����+ �,"� ���� �,'��� P��"� $�'� ��� �'���� � 1��8" �

�� � P��" ('�� �,� (" ?'� � � �'�'������'��� � ���" �P��� �,� (" �,'� ('+"�& � .

��� $�,�=��� ��� �� 3�'8�� � (" �+"� � � ��� � 38+�� ���� #���� �.6

�,�G��� ���"" (" �,� �!5& � 3� ?���� �� ?'� � � �'�'����A �'� ��� �'���� � 1��8" �

�'+& � #�� A� # ��"� �� # �'6 D �� $�,2'�G� �� �/' � � �'�� ���� � �� �'&7�� $�,+���"�

�� � 3�'��" ('�� ���" � �. ���'��� � ���" �� ('+"�& � �,' .

��� ) $- ���& �2007 ( (���&� ��� " ��"�� � 4��@ &�� �������� ���� � �8@

� �� � 1�� � �� ���� � ���0� ���� � ." ����" � �/� 1�&� � � 3� .�'�'����A� �+�

-�' 2�� $� � � K� � �� �+"�& � �'� ��� �'���8 � 3���� � �� � .3 ����� �/5/ �&�� ����"+

�'�'����A�$ �. :����" ����"� $K� � $@���A� ����" �� $�'���� � �&���� �&�� $�+� � ��  

Page 61: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

46

�. :�� �� �'"8� �� $� �" � � �, �� H�2�� $(��6 � 3��+G�" #��7�� 3�'+"& � �+&� �� $�'+�� �

L� �A�� .3���� � 9'"� (" ��� � 9"��" (��� �'���8 � ����'� �+"�& � �"�& � �".�" � ��

K� � � � � ��� " �� �� �8��� �. � | �� �� (�"�)47 (���� . 2� ��� � ��:'� �:"�

(" 3����)101( �'+& � #�� A� ����� ("� $#�� A� (" �'���8 � 3���� � �� �G� �

�� ��� " �� $� � � K� � �� �+"�& � �"�& � �".�" � �'� ���(�"� �8��� . � ����

�'�G�� D � �+'+�� � �78� � J,�" � ���� ������� ����" � �&�� 3+"� �'�'����A� �&���

�� ��� �" � . 3�G��" � �,�" �'=�8�A� ?' ��� (" ' & � � � ���� � r� D K'2�� �

�'��� �3��������� 35"�&"� �'��'&" � G������ �'+��� ����� � &�" � �G� � . 3+8�� !�

����" � �&�� ('� �'=�8�� � � 3� �!5� ��� �.6��� J=��� � (" ' & � � � ��� �

�'�'����A� ����" � �&�� ('� �!5& � �.��!� (��� �+� � �� �� 3���F"� �'�'����A� #��7��

�'+�� � 3�'+"& � .�&�� �'��&" � � % �/� ���� ����" � �'�'����A� �� �� 3���F" ��

�+� �. �'���8 � �='� � (� �7+��" �='� �, ���� �� ��� � -. (� �' �� � ��� � 37+��� !�

� �" � &�+ �, ���� � �� �'��8" � 3�" � � �='��.

�"�) $%��� �� $���� �2008(�"�! 2� � (���&� ��� " ���8@� ������� � ,��� ��

���� � 12#��������� :���0� ��0� ���� ��"�� �� ���� ���� ." � � 3� .

�5/ � �. �&�r� 3�"�+&" � # �� �/� 1�&�)P���" � &�� $�+�� � &� � $��"6 � &� � ( K'2�� ��

����" ��'�'����A��'� ��� �'� �� ����8 3���� �� .� (" ��� � 9"��" (��� �� ('�' "

��� �� �+�" � �'� ��� �'� �� ����8 3������ (�"� �8 . �� 2� ��� � ��:'� �:"� �"���

Page 62: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

47

�r� D � $�'���" � �'=���& � �'2�G � ��'& �(����� K� �� �� �+�" � 3���� � ("

��'������" (" ('�' " � � $�G� �� �'+& � #�� A� P (" ��� � ��'� 3����)48 (�' " .

1 ,� �+'+�� � �78� � J,�" � � ���� 9"� �,+'+��� 3���'� � ������� �5� (" 3�'��7 �

�������' �� � ��� � 1� .� K'2�� >��)� H�8'8� �.�'�G�� �. � �� �� . 3+8�� !�

� �� ����'� ���� �/F� 3�"�+&" � # �� �&�� (� �.6��� J=��� � (" ' & � � � ��� � �'��&" �

����" � �+��'�'����A��/5/ � �,����"�� .

� ��! �4��� ��� � ��)2009 ( (���&� ": ������� :+�� /�2�,���� ��� � ����� �

���2 � ���� ��5� �� " 3���"" 9!�� �'+�� ��� � -. 3 ����#�� � �� �'��� � ���" �

��"" �'� (" �' �2 � �&"�� ��=� �'��� � ���" � ��,��� � ��'������ �� �'+'E�� ��

'7�� ��' 1'�� �' �2 � �&"�� ��=��G��� #�� � (" �' �2 � �&"�� ��=� �� �'��� � ���" �

(� ('+"�& �� ('''7�� � ('�' " � K'2�� ����� � #�� � ��� � 9"��" �/"�� �'��� � ���" �

��=� �� ('+"�& � (" �&"�� �� �� #��"�� 9'6�� �� �. � �� �'=���� ��'� �+� >�E � �,

�=�� � (" ���"�" ��� � 3" �����'=�8�A� ��� � 3+8��� 3���'� � �'+�� � � �+�

�'��� � ���" � �2� �8�� �+2�" # �� (" �&"�� �� ��� � ��', ��,!�� �� 9��� �2�" �2�

#�=� + �'�� A� ��� � -. 38+�� �'����2 ��� � (� 1=�4� '7�� P��" #�� � ���" �

?+ � ('� �'��� �?��'A�� ��+/"�" 1=�4� *"� 3��� )�$�'��� � ���" � G'G�� ?'� � ��

$�'�G� �� �''2���� �� �"5 �� ��8 ��$ 1=�4� � �''2��$ ( �'���'�� �' �� �.'7�� P��" (��

Page 63: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

48

����� �"��"4���)2009 ( ��� (���&�" ����� � ������� /9� ��2��� <���� �8�

����� � ,�� � 12#� �� �"� � $�� � !��� ��� � "� *�'! � � 3� . 3�2'�G� P��" �/�

�'���� � #6'" � K'2�� �� %��7 � � �" � *��� �'��� � ���" � 3�"�+&" �4�$ -. 3"��

�+� �'2'�G� � ��� � 1��8" � �� �+"�& � �'���� � $( ��� ��� � 3+8��� � � (� ��"�.��

�''2�� �'��� � ���" � G'G�� %�8�&��� � �4� 3�2'�G� �8��� �r� �'��� � ���" �

�� �'��� � ���" � 3�"�+&" 1��8" � �, �'���� � �'".� 3�"�+&" �4� �' �&�� #��7� ��

�'��� � ���" �.

"�� �'�' �'� � ��! )2010 ( �"��" � ���� � (���&�" ���� � �8���������

/�� B� ��� �D��"�"o� � )�.��� �5� � ����2 �� �������� " � �'+�� � � ��� � 3� .

*�'!� ����" � �/��'�'����A� ('� G'� �'E�"� � �� 3����2 � ����� �='� � �r� � � �

'����A�("� $�'� �.� 3+8�� �� � J=��� � �,' � � & �'��&" � � � �'/r� ��� ��� � �r� �

����" � �+� �,���'E�"� �='� ��'�'����A� 9'�8� 3���� �� �,���'E�"� �'� �� �'��� � .

��!��=��"� �)2010 ((���&� �"��" � ���� � " ���� =��� � ��������� �8@

����� ����"# � 6��2 � �� ��� � " �# ���� :1��� � �� 4���>" � 6��+". ��� � 3� .

?'� � � 3�'�'����� �/� 1�&� � �) $?'� � � �� �,��)�� (��� �" �� $(��� " �� J"��� J.��"

$?'� � ����'� � � J"���� � C��� �� �.�/�� �'����A�� �'�� A� 3�" � � (���" � �'�G� �+�

�'��� �) �''E� � �� ��)� � $�'&�� � $�'�'� � � 3���'��5 �,�"���� #�� � 1� .� K'2�� ( ��

(" (��� *�'2" �'�G�� ���� � ��! �'� $K��& � �� ����,� � #��6�(52) #�2� �� ��"� #�2�

Page 64: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

49

��"� J'� �)�!5G� $�� �� $���'�� $�� �) $�"=� ( 9'6�� �� !� $(60) ������ ���� 9'"� �+�

�,�" 9���� $('�� �" ��� � 9"��"(51) ���� %� ������)85 (%�)21 ( 9���� ('�� "+

�,�")16 ( ���� %� ������(%76)�'+��+ �� �8 �&���" � 3������� 9'"� 3��� !� $.

�,".� (" J=��� # � � � ��� � 3+8��:� �'=�8�� � � 3� �!5� ��� ��� P��" �)α ≥

0.05 (?'� � � 3�'�'����� ('�) J"��� J.��" $(��� " � $?'� � � �� �,��)�� (��� �" �

��'� � � J"���� � C��� �� �.�/�� �'����A�� �'�� A� 3�" � � $?'� � � ( ���" � �'�G��

�'��� �)��)� � $�'&�� � $�'�'� � � 3���'��5 �,�"���� #�� � 1� .� K'2���''E� � �� ( ��

K��& � �� ����,� � #��6�.�,".� (" # ' � 3�'8�� � � ��� � 3+8�� �"�: �'�G� #����

K��& � �� ����,� � #��6� �� �� ��"&" � 6���� � ��4�

�"� 3�2'�� ��� � �2�)2010 ((���&� " �� B�� �� =��2��(� ���� 1��� ���

�� �# ����� � ,�� � 12#� ��– p��B�"��� $��� �� ,����� ����0�" � .3 ��� �

� � (�'� �'".� (��"� %��� � �8�& � ���$ �"4�" � 3����" (" � �,�� (" 3�+�"� �","

#��� �=5" � %��� � ��" � D+�"� � � �'�� ����� �' �"� �' �" ���"5'.r�� �, �" (�� � �

��7 �.���� ��� � 3��&�� �1�8" (��A� �'�"� �� #����+ �� ��� 1�&� �5� ("

�," ��� �� � ?�G2��� � �8"1�8" � (''&� �'� �� ���� �''�&" �/� ���&"� ('74�" �

�," ��� �� � ?�G2���1�8" ����8" � L�G2 � �� �'���� � #6'" � K'2�� �'� �� .

��� � 38+��� � (� ?���� D�� � C��� �� ���"�� ?�G2��� �'+"� �(� "��� D�� �

��� �� 1'4�� � 3���� �+�� ��� 3�&"�� � �/ , �"�(� �& D�� � � � P �'��� � K'2��

Page 65: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

50

�� ��2� �� �� ?�G2��8��� 3�&"�� � �� ��� � K�7� �� ���8" � ���" � �� #��� � �+�

.�'���� � #6'" � K'2�� �'� �� D�� � 6��� �' 2�� K+&�' �"'� �������� ' �� � �8�� �+�

�5"&+ 3�" � � .3��/�� ��� � �'=�8�� ?�G2��� � �8" ('� �" �2'/� �!5� ���

�� �" ��" �1�8" (��A� �'���� � #6'" � D�� � K'2��� . �"�3��/� � � 3� �!5� ���

�'=�8�� #� !� ('74�" � �'��� ('� �" �8" �1 �'���� � #6'" � K'2�� �+� .

��!�) $���E �2011 ( (���&� ��� �" ���� �� ��� � H��� � �8@�������� &��

6���������� � ��� ��"� � :��" � B��� � ��"�� &�� 2��� ���� ." -. 3� .

����" �� % �'� � ���� � �/� (�'� � � ��� ��'�'����A� �+� �L� �A ��'� � � ��� ���� �

�'�'�� � (��'G � 3���� �� . 3+"� ������ �'"8�� ���� � ��! ��� � 1� .� K'2�� �)26 (

(" ����" � ��� � ��'� (" �' ��� 3�"�+&" � 9"� #�2�)78 (# �7" . P�� D ��� ���

'=�8�A� �"6� � �� ���� 3�'��7 � ������� 3���'� � �'+��� 9"� �'��"���� ��+&+ �SPSS

G'� � �� ���� �'+�� �,�" $��� � 1� .� K'2�� �'=�8�A� ?' ��� (" ' & � �� ��� ���

������ � G������ �'+��� . 3+8�� �,��'���� ��� � 3���'� �'+�� � �'+"� ����� &��

� � % D���" �/� ��� �.6��� J=��� � (" � � � ��� � ���� � ('� �!5&+ �'=�8��

����" �� % �'� ��'�'����A�) ���" � ����" ( 3���� �� ��'� � � ��� ���� � L� ��� �+�

� � P��" �� �'�'�� � (��'G �)α ≤ 0.05.(

��������2 � )2012 ( (���&� ���� ��" ������� � +���������� ,����

��� � ����� �4��@� B���� � ����8@� &�� 4��@ ������ � &�� 2��� ���� ���9�� �

Page 66: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

51

�� ��. �B��0�". $ ��� � 3� � � 3���"" � �/� 1�&� �'�'����A� #�� A ���" �

�+� �'��� ��� � �� �8�� � 3�&"�� � $( ��� K'2�� �1� .� �'"8�� ���� � ��! ��� �

������ ." � �� ��� ��� (?' ��� �'=�8�A� 3�G��" � �,�"� ��� � 1 . K'2��

��" � �'+��� %��'&" � 1������� �'��� �. &������� ��� � 3���'� �'+�� � �'+"�

� 3+8�� $ �,��'���� ���� � J=��� � (" � �.6����: ��� � � � �/� �'=�8��

���""+ 3 �'�'����A� #�� A ��" � �+� �'��� ��� � �8�� � 3�&"�� � �� ('+"�& � � $���

� � � �/��'=�8�� �+� ('+"�& � �����"� �'�G� �� ?'� � �� (''&� �� ?�G2��� �� �

�� �8�� � 3�&"�� � �� ('+"�& �( ���.

��� 3����)�� �E �� *'� � $2013 ( (���&�"����.� ���� � �8@ ��������

���" �����2 � )�.��� �5� � �"o� � /�� +�� �������� : ��������.� ��"�� ��

���0� ��� � ��0� :��� ." ����" � �/� (� 1�� � � � 3� .�'�'����A� �!5& G'��

� � �r� � �='� � ����� 3����2 � �'�'����A�$�'��� � �'� ��� �'� �� 9'�8� 3���� �� ("

��� � 3��'E�" ('� �'G����A� 3�!5& � ' ��� $��� � 3��'E�" P��" 1�&� �5�

) ����" ��'�'����A� �='� � �r� � � �� ����� 3����2 � �'�'����A� .( � � �/� ' ��� �r� �

����'E�"� �='� �)*���� � � � $�'=� & � $�'��� � ( �+����� 3����2 � '����A��'� ����

����" ��'�'����A� . �'� �� 9'�8� 3���� �� ('+"�& � ('�' " � �+� ��� � 9"��" �"�

�. � | �� �� �'��� � �'� ��� �'� �� ����" ���� � � �'"��" �� �'��� � �'� ���)13 (���� .

�� ����8 3���� �� ('+"�& � ('�' " � (" 3���� 2� ��� � ��:'� �:"� �'��� � �'� ��� �'�

Page 67: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

52

�'��� �'7'4� � 9!��" � �+)�� (") : ?=�� $��� �' "" ��""3��� A� %�' "� $��� �' " .(

�. � | �� ��)180 .(�+'+�� � �78� � J,�" � � ���� . D K'2�� �� ��� ' & � ('/��� �

�'+�� �.6��� �'=�8�A� ?' ��� ("�� ����" � �'+�� ?�+�� ��Path Analysis . !�

�='� � �r� � � & �'=�8�� � � � �/� ��� �.6��� J=��� � (" ' & � � � ��� � 3+8��

����" � �+� ����'E�"��'�'����A� . ����"+ �'=�8�� � � � �/� �����'�'����A�

�+� �,���'E�"����� 3����2 � �'�'����A�P��" �� ./� ���� � � 3��'E�" � �r� � �='� �

)*���� � � � ²�'=� & � ²�'��� � ( �+����� 3����2 � �'�'����A� ����" � ���� �'�'����A�.

3"�! �"�) $(���<� $���2013 ( (���&� ��� �" ���� ��������� ��� �D��"

��� � H��� � �8@ ���� ��+��������"� � 6����� &�� ����� � ��� � : ����.� ����

"�� � �� � ���. � &�����0� ." �+� �!���A� % �'� � ���� � �/� 1�&� � � 3� .

����" � ���� �'� ��� �'�+" � �'�� � G�G� � ���� �� ��'� � � ��� ���� � L� �A�

�'�'����A�3�� 2 � ����"� ���" � ����" ��"��" � ."��" �"� ('+"�& � ���� �+� ��� � 9

�. � | �� �� �G� �� �'+& � 3��� A� (" �'� ��� �'�+" � �'�� � G�G� � ���� ��)84 .( �:"�

(" 3���� 2� ��� � ��:'�)77 ( �� �G� �� �'+& � �'�� A� 3�'��" � 1+��" (" H�74�"

�'� ��� �'�+" � �'�� � G�G� � ���� . �� D K'2�� ��� ��� �'=�8�A� ?' ��� (" ' & �

$�'��� � 3�G��" � �,�"3��������� ��" � �'+��� �'��'&" � Path Analysis . 3+8�� !�

�+� �!���A� % �'� � ����+ �'��&" � � � �'/r� ��� �,".� J=��� � (" ' & � � � ��� �

Page 68: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

53

����" � ���� ��'� � � ��� ���� � L� �A� �'�'����A� �'�+" � �'�� � G�G� � ���� ��

���� ��'� � � ��� ���� � L� �A� �+� % �'� � ����+ �'��&" � � � �'/r� ���� ²�'� ���

����+ �'��&" � � � �'/r� ���� ²�'� ��� �'�+" � �'�� � G�G� � ���� �� ���" � ����"

� ��� ���� � L� �A� �+� % �'� � �'�� � G�G� � ���� �� 3�� 2 � ����" ���� ��'� �

�'� ��� �'�+" �.

���(� ������ �

��� �"� Othman )1996"Strategic HRM: Evidence from the Irish Food(

Industry" 2� ' �� � � 3� . �!5& � ('� �'�'����� *���� � 3���""� #�� � ���" �

�'��� � �� �"4�"3 L�G! ����8 ��&G � �' � �'��. �"� 3"� ��� ��� ��'������ �"��� �

3���"" #�� � ���" � $�'��� � �'� �� �� ��� (' &� (''�� *�'2 ��� �". �"��� �:

��� �����" #�� � ���" � �'��� � G'G�� �� $��'������ ��� � >'�7� 3�' �=" � �2+&�" �

��,"� #�� � ���" � �'��� � #�� � �'� � �� �"4�" �. !� 3+8�� ��� � � � J=��� �,".�: �

�� ��� � �'� (" 3�'��7 � �� � �� $�,8�� �'� ('�� (" �5� J=��� � � � ��� �!5�

('� �'�'����� *���� � 3���""� #�� � ���" � �'��� �� $� � ��� �"��� ��'����� #�� A

" � ��� �'��� � �� 3�"4�" � �� � 3+"� ��'� ��� �� $3�'� J=��� � (� >&� 3��'E�" � �/F�

�+� ��� 3���"" �8�� #�� �� ���" � �'��� � ��� �. $3���2� � ������ #�=� �8��

���" �� �'��� � ) ���� #�=� �8�� #�� �� ���" � �.�' �'��� � �� G����� #�� � ���" �

��'��� �� G'G�� � ��'������ �"4�"+ ($ �'�+" ���� � 1'4�� � ���� �"4�" ��.

Page 69: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

54

�"� �� 3&�(1997) Huselid, et al., "Technical and Strategic

Human Resource Management Effectiveness as Determinants of Firm

Performance" �'�G� � � �' �&� #�� � ���" � $�'��� � 3��� �'� -. ��� � ' ��

P " ��� 3���"" �G���� � �&� 3�'�'����� #�� � ���" � $�'�2� �� �'��� � �/�� -.

3���"" � � �&7 � �+� �� � �"4�" �. �'� �� *�'! �� � �"4�" � (" $�'����A� �5� K� � ��

% 2� � �"'2 �� �'!� � �"4�"+ . !� 3+8�� ��� � � � ��J=� # &�" �,".� ����: 3�'� J=��� �

(� �' �&� #�� � ���" � �'��� � �'�2� � �. �+�� (" �' �&� 3�'�'����� #�� � �'��� � ���" �.

(��D��. G����� G��" ('� �' �&� #�� � ���" � �'�'������ �' �&�� #�� � ���" � �'��� �

�'�2� �� $ 3�'� J=��� � (� D��. 5��! �'���'� �'�! ('� �' �&� 3�'�'����� #�� � ���" � �'��� �

$('74�" � �'������ K� � �� % 2� � �"'2 �� �'!� � )�� � �"4�" � .((� � � (�� D��. �!5� �'�!

# =�� 3� ('� �' �&� #�� � ���" � �'��� � �'�2� � �� �� �"4�" �.

�"� 3��� ��� Budhwar & Sparrow) 2002( “An Integrative

Framework for Determining CrossNnational Human Resource

Management Practices (�'� P " �"��� 3���"" �G���� ���" � �'��� � 9"

�'�'������ �'F" � �"�& � $�"4�"+ ����� � � ��� >'�7� 3�' �=" �� 3�'�58 � �"'�

K+&�' 3���""� #�� � ���" � �'��� � #�� � �'� � �� �"4�" �. �"� �� �=�8� � 1'�&�

�'"'4�� � �'��� )�"��& � �'��4 � �/" �"� �"4�" � �,"��� $�,�&'�G� ���" � 3��'

�'��� � �2+&�" � ?�G2���� ?'� � �� �'�G� �� ��8���� ('� ('74�" �( �� �� �"&� �+�

Page 70: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

55

1'�8� 3�"4�" � � � "4�"3� 3� ��� �' �� (" �"��� �/ >'�7� 3�' �=" � 3�"4�"� 3�

��� ��7��" (" �"��� �/ >'�7� 3�' �=" �. �"� 3� . -. ��� � � � ' �� 9!�" �, �

�� � ����2" �� �.�'�G� �8�� �� ��� � �"��� � Matrix 9" �.�') (" �� � �'������ ("�

>'�7�� ���� � 3�' �=" �. !� 3+8�� ��� � � � J=��� �,".�: 3�'� J=��� � ��� ���

�"��� ��7��" � � ('� �G��� #�� � ���" � �'��� � �'F" � �'�'����A�� �"�& � $�"4�"+

�'� 3�'� J=��� � (� �" ���� ( 66.4 %) (" 3�"4�" � �,'� ��7��" ��� (" �"��� �.�

3�'� ��� � (� 3��'E�" � �� ��' �, �/�� �'�� � �+� ��� �"��� �G��� #�� � ���" � �'��� �

9" �'�'������ �'F" � �"�& � �"4�"+ : �'+�� 3���'���� (" ?'� � � ('74�"+ ����

$�����" ��8��� 9" ('74�" � �5� $3���"���� ��!��" �'��� �' �&7 J"��� $?'� � � �����

�'�'����� �8�� #�� �� ���" � �'��� � 6��� �+� 9'6�� � ��&7 � $ ���"+ � ���" ?����

('�'�� $ � ��2� �� �� �+��" �"� � ("� #�� #�'� �"4�" �. ��'��� 3�'� J=��� 35��2" �

�2'"& � ��� (" ���" � �' � � (� �"��� �G��� ���" � �'��� � �'�'������ 9" �'F" � ��

3�"4�" � �� (, �

�P��� Abbott & Banerji) 2003 ( (���&� ��� "Strategic Flexibility

and Firm Performance The Case of US Based Transnational

Corporations ." �� � �+� �'�'������ ����" � �/� *�'! � � 3� .���� �+"�& � 3����

�'�G� � � � �)TNCs ( �+�" �"=�! �� �+�" �)Fortune ( ����)500 ( 3�'�� � �� ����

�'�'�"�� # ��" � .� ���� (" ��� � 9"��" (���)500 ( �'�'�"�� # ��" � 3�'�� � �� ����

Page 71: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

56

�+�" �"=�! �� �,=�"� 3���)Fortune .( (" 3���� 2� ��� � ��:'� �:"�)227 ( (" ����

�'�G� � � � � ��� �+"�& � 3���� �)TNCs (� �+�" � �+�" �"=�! �)Fortune ( ����

)500 (�'�'�"�� # ��" � 3�'�� � �� ���� .. ?' ��� (" ' & � ('/��� � � ��� D K'2�� �

������� �'��'&" � 3������A�� �'��� � 3�G��" � �,�" �'=�8�A�T 1� .� K'2�� D �

�,��'��� ������� �,��F�� (� ����A�� ��� � .� !� J=��� � (" ' & � � � ��� � 3+8�

�!5� ��� �.6��� G����� �'=�8�� �'��&" ('� �� (" �&�� �'�'������ ����" �) ����" �

$�'!� � �'���� � ����" �� $�'����A� ����" �� (3���F"� �� �� �/5/ � � �" �) =�& � �+�

$3� ���" � =�& �� $3�&'�" � �+� C������ �!� =��7 � ?=��� ��.(

��!� Johnson, et..al,) 2003 ( (���&� ��� �"MarketNFocused

Strategic Flexibility: Conceptual Advances and an Integrative Model ."

����" � �� (�'� � � 3� .�'�'����A� �+� �!� � ���� � �/� 6'6&� �� K� � �+� # ��" �

82 � �� �� J=��� ���� # '&� �� #�' �� 3���� � �'���8 ��'�'�"�� # ��" � 3�'�� �� �+"�& � .

3����� �. � |+� �'���8 � 3���� � %�' " (" ��� � ��:'�)213 (���� . ('/��� � � ����

�5� (" ��" � �78� � J,�" ������� �.�'�G� �� �"����� ���" �� ('/��� � (" ���� �+�

3��'E�"�/���" � ��� � . �� D K'2�� ��� ��� �.6��� �'=�8�A� ?' ��� (" ' & �

�"�&"� �'��'&" � 3������A�� �'��� � 3�G��" �G������ �'+��� �� ���� . 3+8�� !�

����" � (� �.6��� J=��� � (" ' & � � � ��� ��'�'����A� H��� ?&+� K� � �+� # ��" �

Page 72: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

57

�'� ��" 3����+ ���� # '&� �� #�'82 � �� �� J=��� �+� �!� � ���� � �/� 6'6&� �� H�'��

��� �.

��� 3 ��� Hilhorst, et.al, (2004) (���&� “Strategic Flexibility and

IT Infrastructure Investments: EmpericalEvedance in Two Case

Studies “ 3� .�� ����� ' �� 3���� � � � ����" � �'�'����A� �"'4�� � P��" � ��

?+G�' % �L���� �� ��"/��� �� ��� � 3�"�+&" � �'�� ���� �'��� � �'�� � (" �7+��"

����" � �� 3�"�+&" � �'�� �����'�'����A� ��� � 3+8�� !� � � (� ����" �

�'�'����A�G�� �'"'4�� � 3�'��"+ 1+��" �� ��"/�� ?+��� � 3�"�+&" � �'�� ���� �'��� � .

��� 3����� Voola& Muthaly) 2005 ( (���&�“Strategic Flexibility

and Organizational Performance: The Mediating Effects of Total

Market Orientation” �� �'�'������ ����" � ('� �!5& � ��� � � 3� .� �+� � ����

�� �� ('�� K�+ . *�'2" � � ������ G�2� 9� (" ��'2" (�/��� � �"8� (Likert Scale)

(��+�"' (' � �'�'�"�� # ��" � 3�'�� � �� 3����+ #�� �� %�' " �+� ������ 9'6�� ���

�"� �!� � ���� �� �'�'������ ����" � (" �� *�'! ��� �'����� � 9!��"�� ��� K+&�' �" . !�

� � ������� K� � �� �'/r� �� �&� � �"� ��r' K�+ �+� � ���� � (� � � ��� � 3+8��

G'� � �'E�" � �'".� ��� � 3�'�� �� ��� �'�'������ ����" � ('� �'���'� �!5� ��� � ���

�5E��� �G'� P��� �"��& ��� D��. (��' (� ��"���� �'+&� �� �'�� ���� � ��7 �

�"'4�� �.

Page 73: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

58

3������� Huselid) 2006( “Strategic Human Resources

Management” �:Where Do We Go From Here �2+� ��� � �+� 9!�� K'�G�

3���"" G'G�� 3���'���� (" ���" � �'��� � 3�'�'������ #�� � ���" � �'��� � ��

3�"4�" "����� �� ��'�"� ("� $3���G2 � �4&" ����� � � ��� �/� -. 3���"" � �+�

�� � �"4�" �. !� 3��G 3������� �/� *� � >&� �"��& � �� � �/F� �+� K'�G� -.

3���"" �. !� 3+8�� ��� � � � J=��� # &�" �,".� �" �+': ��� �!5� G����� ('�

G'G�� ���" � �'��� � ���3�'�'��� #�� � ���" � �'��� � (�� $3�"4�" � �� � K�G� �"�,7"

G'G�� ���" � �'��� � 3�'�'������ #�� � ���" � �'��� � 3�,4� ! ��� ?+2� ��7��"

�"'� K+&�' � &� ���2��� �� =��� �"4�" � � �� ���2��� P��" �� 1'4�� � �' $�.�

��'� %��� P��" 1'4�� 7��"$9 3������� G'G�� �/�� $� '2&�� �'"� �����"� �+��

# �� ���" � �'��� � �� �'+"� G'G�� � $��'������ �'GE�� # �� �+�� ���" � �'��� � ��

�'+"� G'G�� � $��'������ �'GE�� �+�� 3���2�+ ���"/��� ��� �� �!� �'�G� ��.

��� 3�����wang, et..al (2008)��&� (�“Effect of Human Capital

Investment on Organizational Performance” ('� �!5& � �&'�G (�'� � � 3� .

�'"'4�� � ���2/ � ('� �!5& � � � ������� �"'4�� � �� ��� %��� � ��" � *�� �� ��"/���

�� �'"'4�� � ���2/ � ('� �!5& �� %��� � ��" � *�� �� ��"/���� �/� (�'�� �"'4�� � �� �

�"'4�� � �� ��� %��� � ��" � *�� �!5� �� �'"'4�� � ���2/ �.

��!�Inyang (2010) ���� � B�����Strategic Human Resource Management

(SHRM): A Paradigm Shift for Achieving Sustained Competitive Advantage in

Page 74: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

59

Organization ���� �� � �'���� � #6'" � �"� �� �� � ���� �"4�" � �� �'��� � ���" � (� �,'� ('�' (�

�,�'"��� �,'+� �4���" �� $�'�8 ���� �,7'4�� ��' �" �� . #�� � �' '+2� � #�� �� (" ��� ��� � 3�����

�'��� � ���" � 3���""� ��&� (� ?�' �" 2�" � #�� �� ���� �'��� � ���" � %�� �� �� � (" �!5G��

('� �!5& �� ��,� �'�'������ �'��� � ���" � #�� � 3��� D $('74�" � 9" 2&� �� � 3�278 � ���� �" � �

$���� � � � ���" � (" ���� �G2�� D � �"4�" � �'�'������ �'��� � ���" � #�� � ����� @�"� (�� �

�F' ��'������ ��"��� #6'" � ��'� �"4�" � �� 3�'�'������ 9" �'��� � ���" � K���� �� �"��� � �+�

�'��� � ���" � #�� � ("� �''E� � �"��� ��'������ D'�� � �� C���� �+� �F' �.� $�'���� �

�,' �"4�" � �� ��'����� D'��� �'��� � ���" � (��� (� ?�' D $ �'�'������ 3���," �� ���&" �

3������� 3���,"� �' �"����� �'!� 8" �� �'" �& � �'+'E�� � 3���," �� �'F� �� �'�.�� � 3���7� �� # &�" �

�'+�� � .

��! �"� Yuan, et..al,) 2010 ( (���&� ��� �"Can Strategic Flexibility

help Firms Profit from Product Innovation?." �/�� �+� 6'��� � � � 3� .

����"+ G'� ��'�'����A�) K'�� � ����"� ���" � ����" ( J��" � L� �� ('� �!5& � �+�

('8 � �� 3���� � �� �� . (" ��� � 9"��" (���)850 ( �'�'8 �F". ��� � ��:'� �:"�

(" 3���� 2�)607 ( �'�'8 �F"3����� (�'��5 �� % � ('/��� � ��! (" - � �� .

�'�G�� D � �+'+�� � �78� � J,�" � � ���������� �"����� ?��v� � (" ���"�" �+�

�/���" � ��� � 3��'E�" ���" �� ('/��� �� . � � ('/��� � r� D K'2�� ��� ���

�'��� � 3�G��" �3��������� �'+��� �'��'&" � �� ����" � �'+��� �� . 3+8�� !�

L� �� ('� �!5& � �� ���" � ����" G'� � �'/r� � (� �.6��� J=��� � (" ' & � � � ��� �

Page 75: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

60

�� K'�� � ����" G'� � �'/r� � (�� �"'� $��+ �'/r� (�� ('8 � �� 3���� � �� �� J��" �

����'� �'/r� ('8 � �� 3���� � �� �� J��" � L� �� ('� �!5& �.

��� 3 ��� Kekale, et, al.,) 2010 ( (���&�"Achieving Sustained

Innovation Performance through Strategic Flexibility of New Product

Development ." L� �A� �� � ('� �!5& � �� �'�'������ ����" � �� (�'� � � 3� . �� ��

3���� � (" ��'� �� ' � � J��" � �'�G�� . 3���� � (" ���"�" �+� ��� � 9"��" �"�

�. � | �� ��)200 (�.� �� � (" ���"�" �� ���� : � � �. ² D��"� � ² ��'�+� ² �' ����̈

² � �+�� ²�'���� J'��� � ² �'���� . | �� �� 3���� � -. %�' " (" 3���� 2� ��� � ��:'� �:"�

�. �)200 (�' " . 3��'E�" ���" �� ������ �'�G�� D � �+'+�� � �78� � J,�" � � ����

�/���" � ��� � . 3������A�� �'��� � 3�G��" � �� ��� � � ('/��� � r� D K'2�� �

���" � �'+��� �� ��A� �'+��� �'��'&" . (� �.6��� J=��� � (" ' & � � � ��� � 3+8�� !�

3���� � �� ' � � J��" � �'�G�� L� �A� ('� �!5& � 6'6&� H��� ?&+� �'�'������ ����" �

�/���" �.

��� 3 ���� Dizgha, et..al,) 2011 ((���&� “Human Capital

Characteristics and Organizational Performance” ������ � � 3� .

�� �"'4�� � �� ��� %��� � ��" � *�� �=�8� ('� �!5& �1��8" � �� �+"�& � Guilan

Province 3��'E�" �5/ �5� (" %��� � ��" � *�� ������) 6��" �� $�'+&� � $#��� �

�7'4� �( $�"'4�� � �� �������� �� �' �" � �� �� 3���F" � �5� (" -� ) �+� =�& �� $ �'��� �

Page 76: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

61

�'+� � 3�&'�" � �"�� $��"/���(K� � �� � 3���F"� $ ) ���� $��� � ���� $�'!� � �8� �

D+,�" � ( (" ��� � 3���� !�)22 ( ��� � � ��� � 3+8�� !� ���� �"��� D��

P��" �� �'=�8�� � � 3� �!5�) 0.05≤α ( %��� � ��" � *�� ('��"'4�� � �� ��� .

��� 3 ��� Yu,) 2012 ( (���&�"Strategic flexibility, Entrepreneurial

Orientation and firm performance: Evidence from Small and MediumN

Sized Business (SMB) in China ." � � 3� . �� �������� �'� � ���� � �/� �+� %

�+� % �'� � ���� � (�'� �/� � � ����A�� $('8 � �� ��� � #�'E8 �� �G��" � 3���� � �� �

����" � ���� ('8 � �� ��� � #�'E8 �� �G��" � 3���� � �� ��'�'����A� �'�� ��

�'���� � . �+� ��� � 9"��" �"�)500 ( K�� �� �'�� ���� � ����8 �� �"&� ����

� �' �� � �'7'4� � ?8��" � 3���� 2� ��� � ��:'� �:"� $('8)��� �' "� *'=� $%'7�� �' "( $

�+� ��8� � �� !�3������) 195 ( ��� &�� $����3������� �,�" &���̈ )3 (

3������ ��'&+ �+� � & � ��8' $)192 (���� . J,�" � ���� � � ������" �

��5G��� � D �"����� �+� ������ 3��2�� ���� � ��! (" �.�'�G� �� �,���2� >&�

�� P��� �"������� � L���"� �2�� 3��� �+� �,'� . ?' ��� �� ��� �� D K'2�� �

�'+��� %6''"� � �'+�� � �,".� �'=�8�A��� ������" � �'+��� . � � ��� � 3+8�� !�

��� � (" ' & � ����" � (� �,".� J=�'�'����A� ���� � �/� �� H��� ?&+� �'���� � �'�� ��

('8 � �� ��� � #�'E8 �� �G��" � 3���� � �� � �+� % �'� �.

Page 77: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

62

��� �"� Walia,) 2012 (“Impact of Human Resource Management

(HRM)Practices on Employee Retention” �� (� ��� � 3�'�� ('74�" �� 4�7��

�"," G2� 3' �,��� ���� �� �� �," �"� ('74�" � �+� ��2��� ��'�� -. �� #�'�� �'".� �

�� �� �� 4�7���� (�"' ��� D ('74�"+ ��'� �"," (� � �'4�� � �, ?��" � 14�" � ' ��

� �� �"& �� �='� �� K+&�' �"'� 14�"+ �'�8 � ?'� � � ��G�� ('� (6��� �� �7'4� � �'�G

�+� �'��� � ���" � #�� � 3���"" �'/�� P " ���&" ��� � -. 3'��� 2 #�'� �� �"& �

D�� L��� �� ('74�" � ('� ('74�" �� 4�7����ICIC) ( D���( HDFC)�) AXIS ( �'�� ��

(� ��� � 3�'�� ������� �5� (" 3���'� � 9"� �� !� ���'��.D ��. ('� �'���'� �!5�

�"4�" � D+� �� ('74�" �� �'��� � ���" � #�� � 3���"".

2��� � ���� � B� �# � ���� � �� ��

3�����" � (" : &' ��� � L���" (� �� $�2�� � 3��� + >��&�� �5� ("

" � �� � �� ('�� �� ('/��� � ��"�.�� 3'4� �� � �/' � ��" 2� . 3��� � (� 4�5' �"�

������ ('� 3����� �2�� � )2004� 2011 .( (� �' �� � ��� � 6'"' �" 6���� (�"'�

�' �� � ����� �� �2�� � 3��� �:

• ���� � ��� : #r�� � � 1 ,� 3��� �'� �2�� � 3��� � �� �'/�� � 3�.����� 3 &�

��+� �� 3�' �� �� 1��8" � ,"�'� 3���"" �/� 1�&� � � �' �� � ��� � 9+G� �

Page 78: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

63

�� �'�'������ ����" � 6'6&� �� �'"5�� 1��8" � �� �'��� � ���" � 3�'�'�����

1��8" ��'�'G+7 � �'"5�� .

• ���� � 5� : ��' 1� ('� �� � �& � ��� �� � (" ' & � �� �2�� � 3��� � 3"�

�� � ��� � K'�G� �='� �� �'1��8" � �'"5A� �,2'�G� ��' � 3��� � -.� �'�'G+7 �

�2�� L�G2 � �. ��]���� � �+� � �+� .

• ���� � ;>�� : �'+��� ��� ������ �'�� '" �+'+�� �'78� ��� �' �� � ��� � &�

� (" �'�'������ ����" � �� �,G��� �'��� � ���" � #�� � 3���""�/�� �' .

• �>��+� ���� � ���D�� : �'��& � �2�� � 3��� � �� �,�'! �� �� � 3��'E�" � 3 &�

�,�"�'������ 3�'�'����� 3���"" *�'!� �'+�� �� ���� � r� 2� �' �� � ��� � �"� $

3��� � � �'��� � ���" � )+� �"�������' �� � 3��� � :(Singh ,2004 &

Shahzad et al 2008 ; Akhtar ,2008 ). ����" � �'E�" �"��'�'����A� ��'�

3��� �+� �"����� ��'!(Sethi and Sathi ,1990 & Braglia and petroni

,2000 & Das ,2001 & Kara et al ,2002)

Page 79: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

64

�א�����א����� �

�א�������א�!�א א� �

��2�

���� � ;>��

:�������� �

���� � ��

������� �� ����� � :�� �����

���8 �� 1�� � ������.�

5��#�� � ��� �

Page 80: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

65

�א�����א����� �

�א�������א�!�א א� �

��2�

1� .� K'2�� �� ���� � �,�&��� �� � 3������ H587" H�78� �87 � �. �����'

��"� $� ��" � ��� � J,�" 18� D ("� $��� �"#� � H�78�� $�,��'�� ��� � 9

$��'& � ���� �+� �",2'�G� �'7'�� $�",���/� �",! 8 (" K2��+ �&��" � 3�����A�� ��� �

$H�'=�8�� 3���'� � �� �&" �" ��" � �'=�8�A� �=�� � � � #���A� (� H5�� � 1'�8� (�"'

� $�'+'+�� �'78� ��� �,�� �+� �' �� � ��� � 3�'�'����� 3�"4�" � K'�G� 18� �,��

�'+& �� �G� � #�� A� %�' " �4� �,�� (" �'��� � ���" � . �,�� �'+'+�� ��� H��'� �.�

����" � 6'6&� �� �'��� � ���" � 3�'�'����� �/� *�'! �� �����'�'����A� �� 1��8" �

�'"5A��'�'G+7 � .

'(�@ :���� � ;>��:

�78� � J,�" � �� ��� �� $��� � 1� .� K'2�� ��� (" �+'+�� � � �78�� J,�"

��� � -, �"�5" �/���.

Page 81: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

66

'���8 :���� � :����:

" � 9'"� (" ��� � 9"��" (:��� ��!�� ��F�� ('�' �� ('+"�& �1��8" �

� �� �'�'G+7 � �'"5�� �. � | �)150 (�' "H� �"��� $ 35�� 3�'=�8�� �+� H�1��8" �

��� � ��".

'�8 �8 :���� � ��:

��'� 3�'��� �"�� �"" � (" ��F�� ('�' ��!�� ��1��8" � �'"5A�

�'�'G+7 � �+' �" K�� 3������� 9'6��� ���� � ��! !�:

$��� �)1( :��� �����������(� ���� ���� � ��

p�� � /�� (� �������

��� �� ���� �

�5� �

�������(����

��� �� ,����� �

�5� �

�������(� ���

$�#�� # �� �

�5� � ��� ��

D�����& � �"5A� 1�8" � 50 40)80.00(% 30)60.00(% D�� (�"� #�.�2 � –�'"5A� 35"�&" � L��. 30 20)66.66(% 20)66.66(% D��A� �8!�� �"5 30 15)50.00(% 15)50.00(% D����"/���� �'�"�+ ��'G+7 � �"5A� 30 15)50.00(% 15)50.00(%

�+� � 130 90 80

Page 82: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

67

� ��� �&����" � - �,��� ���� � L�G�� !�)90( ����� $��6�" � 3������� �+8�" ("

� ���)60.6 .(%8 � & � (� ('�� �,2'! �� �,8�� &�� �'+��+ �,�" � �)80( �.� $������

� �&' �")88.88(% .

����� :��������� �� ����� � :�� ���:

����� � :�� �����

�".� ��� � 3���'� 9"� ��� (" (''�� ('� 8" �+� ��� � 3 "���:

���8 � ����� �: � 3��� �� ���� �� ?�� � (" � �+� ��/& � ����+ �'��̈ �� � �2��

3� �'&"�� � �=�� �� 3�'�� � ?��� � � $�'��� � ���" � #�� � 3���"" ���" �� 3/��

�'6'+��A�� �'��& � ('�E+ �� ��� � L���"� �!5& � . 366� # �" � �8" � -. 3�"�� !�

�' �� � ��� + %�4� � P���" �.

�0� ����� �:� �8" � �+� ���� � "��� �"� ��8� � 82� ������� �� �+/"�" �� $�' ���

�+' �"�� �,�+=� (� ����A�� ��� � 3�'��� ������ ���+G" � 3���'� � �+�:

(�@ : �� ('�' " � � � �,,'���� ��� � 3��'E�" *�'2 �,"'���� ������ �'�G� ��

1��8" ��'�'G+7 � �'"5�� . �7" �'�G�� ���� � ��! !� 3��'E�" ��� �� ������� 3�

����" � 6'6&� �� �.�/�� �'��� � ���" � 3�'�'����� �� �+/"" � ��� � @�"��'�'����A� .

� $������ �'�G�� ���� � ��! �&��� �� �+2�" � 3��'E�" � �+� ��� � 3�2�� (� &� �� !�

�'�� ��!� �/5/ � � ������� �'2�:

Page 83: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

68

�� �2 ��� :� �8�� � 3�"�+&" � 1�&�� K+&�'��'��� � ���" ���� � ��'� .

���/ � �2 � : �'E�" *�'2� K+&�'� 3���""�'��� � ���" � 3�'�'�����. �,=��� (" 8!�

K'�G� P " ���1��8" ���'��� � ���" � 3�'�'����� �'"5�� . 3��2� �)�'8 3"��

+ 3 � (� &� �'E�" � �. �'"+& � 9���" � �+� H� �"��A�� $�'�'G+7 � �='� � 9" ?���

�' �� �)Singh ,2004 & Shahzad et al 2008 ; Akhtar ,2008 ( �'E�" � �'GE� 3"�� $

� �� � ��� � �+� ������� �� - �&�� ?�� : 3��27 � �,�� ��� ��'����� ?�G2��� �'�'�����

(")1 ( � �)5(�'�'������ $ (" 3��27 � �,�� ��� �'�G� �� ?'� � � 3)6 ( � �)11( $

(" 3��27 � �,�� ��� �'��� � ���" � �+� �4���" � �'�'������)12 ( � �)18(

� �/ � �2 � : ����" � *�'2� K+&�'��'�'����A�: ����" � �'+"& H�78� �'E�" � �. P���" � 2'�

� �2+&�" ��� � ����"� $K� � ����" ' � � J��" � ����"� $9( �. 3��2� �)�'8 3"� !�

�' �� � �'"+& � 9���" � �+� �"��A�� �'�'G+7 � �='� � 9" ?���+ 3 � (� &� �'E�" � ������

3��� � � �)(Sethi and Sathi ,1990 & Braglia and petroni ,2000 & Das

,2001 & Kara et al ,2002) (Krause et al.,1999; Fantazy et al., 2010; .

�' �� � �&��� K�� - �&�� ?� ������� �� �'E�" � �'GE� 3"�� :�K� � ����" �5� ("

(" 3��27 �)19 ( � �)23(9�� � ����"� $(" 3��27 � �5� (" )24 ( � �)29( ����"� $

' � � J��" �(" 3��27 � �5� (" )30 (� �)32.(

����. :.����8 �� 1�� � ������:

Page 84: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

69

��! �� � $��� � #� � 3��/� K 8 ���� � �����.�'�G�� �� � 1� .�� K'2�� ��� (" �

�. ��' . %�.�4 � K 8 � ?�+� �� ��� �� #� �� K 8 (" K2�� � ��� ("�Face Validity $

� � �='. ����� (" � �+� #� �� >�� �5� (" D � 3�&"�� � �� *'����'� � (" $

�!� K+�" � �� �. �"� ��8�A�� #�� A� ���" �� �8�� �� #��� � ?��8�)1 .( &��

�� �� $������� �+� ��� � �� 8� �� �,� #����5 �,��'���� ��� � 1� .� �+� �,�5G�

������� 3� �7" (r�� �,������!�� �.���< . ('"��" � 3�4�5" �'� �E� ���� � �� !� ���

�!� K�+" � �� �. �"�$�=�,� � �,&�� �+� ������� 3�2��)1( �,&'6��� D &� L�� �/ $

��'& � 3� �7" �+�.

�7 � N������ ������ �� ��� �� $�+�� � �,! 8 ������� ��� � #� � 3��/ ������ ��� ("�

#�   �+�� � K���� �����A .� � �� # ��� � J=��� � �'����!� �� )2 ( �� 3��/ ��� � �

(" �/�� %��� �'��'&" � �7 � �"'! (�� $('/���" � 3������)60(% �� � ��2" ��� �.� $

�'�� A� ���� � . �'+"� �� 3������� �+� �"���� (" ���� � (q�" �"�� �.�

�'+�� �)Sekaran,2003:174.(

$���) 2(

���� � ,��@ ���8 ����.� ;5���)�� @ ������"(

���" � �7 � �"'!

�'��� � ���" � 3�'�'����� 87.4%

�'�'�������'����� ?�G2��� .089%

�'�'������'�G� �� ?'� � � 83.7%

Page 85: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

70

�'�'������'��� � ���" � �+� �4���" � 87.7%

����" ��'�'����A� 75.3%

K� � ����" 72.9%

9�� � ����" 94.6%

' � � J��" � ����" 78.9%

�����:5��#�� � ��� �:

�,&"� �� �� � 3�"�+&" �� 3���'� � �� �&" �' �� � �'=�8�A� ?' ��� ���� � ����� 2

� �� � ��� � �+�� $P���� � �8" �� ��� � ���������:

] �'��'&" � 3��������� 3�G��" �� 3������ � :"�&�+ 3" ���� 3������� 9" �

�/���" � 3�"4�" � �=�8�� ��'& � �=�8�� �2+&�" � . *�'2" �"��� �� !�

3��' )Scale Likert (��� � 3��'E�"� �2+&�" � 3������� ������ ��"� � .

(" ������� P " C�����)1 B 5 (������ ��"� � 3��' *�'2" K��:

����A� �=� � # �� K���� K���� " '�� K���� � K5GA� �+� K���� �

��� � )5( )4( )3( )2( )1(

] &�" � �G� � �� ����)Multiple Linear Regression( 3���"" �/� ' �� $

�'�'������ ����" � �� �'��� � ���" � 3�'�'�����.

] &�" � �G� � �� ���� ��'� � � )Stepwise Multiple Linear Regression (

Page 86: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

71

] �7 � N������ ������)Cronbach α (��� � #� � �+�� � K���� �����A.

] ������)Kolmojorov]Smirnov (

] ('��� � ���� �"�&" ��'���)VIF : ( ��� � � (" �r�+ C�"" ('��� � ������ (�

�+2�" � 3��'E�" � ('� ��� G�����

] ���� �� �"�&" ������ : (" �r�+ D �(< ('�� ��� ��� �&'�G � 9'6�� � 9��� 3���'� �

�,�� &� �&'�G � 9'6�� � 9��� � ����� 3�'+"&� ��2' 1� ���� � (r� ������� �.

'�+ ���� �� �&'�G � 9'6�� �� �=5�� ��� 3��.

Page 87: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

72

�א�����א��א�" �

��%�$#�א���א �

� �

� �

� �

� �

� �

Page 88: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

73

�א�����א��א�" �

��%�$#�א���א �

� ��

�� � >�&�' �5� (" �,&"� �� �� � 3���'� � �'+�� J=��� � �� � �87 � �5� ��

3������� . �'�=" � ?� �� 3������ � >�&�' �/ $��� � ���� ��'� 18� ��� >�&'�

3������ �'��'&" � 3������A�� �'��� � 3�G��" ���'��� � ���" � 3��2� �+� ('/���" �

������� .' D &�� ��� � 3�'��� ������� 3�����5 �=�8�A� �'+�� � ���� � %��

3������� �'+�� J=��� K�� .

����:�'���($��)��+א� �א���א��*���,� :�א�

�=�8� 18� �+� �6� � �. 6��'�'��� � ���" � $ �"& �� $*�� � �'� (" ('/���" �

$ #��� � 3���� $�"+& � �.F" ��4� � 6��" �� �� � � �� �"� �7')3(:

Page 89: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

74

/+� $���)3(

� � =�� �� ���"� � :��� ��5���� � �� -5��. ��� �'E�" � �=7 � ����� � �'�=" � ��� �

��� 62 77.5 ���� 18 22.5 *�� �

�+� � & � 80 100 30�!r� �� 19 23.75 (" 30 – 34�� 8 10.00 ("35– 39�� 24 30.00 40�/�r� �� 29 36.25

�"& �

�+� � & � 80 100 �!�� 9"��" �'+� ��+� 12 15.00

*�'�� ��� 52 65.00 �'���" 13 16.25 -����� 3 3.75

�"+& � �.F" �

�+� � & � 80 100 5�!r� 3��� 23 28.75

(" 6 B 103��� 8 10.00 (" 11 B 15�� 32 40.00 16�/�r� �� 17 21.25

#��� � 3��� �

�+� � & � 80 100 �' " 33 41.25

�! *'=� 47 58.75 �7'4� � 6��" �

�+� � & � 80 100

�� � � �� J=��� � �,4�)3 ( (� $*�� � �'E�"� K+&�' �"�77.5 % ��'� ���� ("

���� �"� $��� � (" �. ��� � 22.5 %���A� (" �. . (" �� �E � ��� � (� P�� �,��

Page 90: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

75

D �'7� �&' !� ��� �� � �,�'&� �� � �'&"��" � 1��4 � ������ (��� �'�'G+7 �

� � �'�'G+7 � #��" � @��� � � � ���"� �5���� ?�� 4���" 9"��" ��'G+7 � 9"��" �

�"& � K� .

2� �"& � �'E�"� G���' �"�(� J=��� � 3�,4� 23.75 % �'�"& � �=7 � (" �.30 ��

(�� $�!r�10.0 % ('� �.��"�� C����� (:"" �.30 � � 34 (� J=��� � 3�,4� �"� $��

30.0 % ('� �.��"�� C����� ("" �.35 � � 39 (�� $�� 36.25 % C����� ("" �.

� � ('� �.��"��40 �� �/�r� . 4�5��(��'�"& � �=7 � 3�=7 � (" ('74�" � ('� #6���"

(� '6� �� � �'�"& �35 ��&' �"" �� (� 1��8" � �'"5A� �,' �'�'G+7 � 4�7���

�'���� 3�=� 3� 9"��" 9"��" � (�� ���� � �'��� � ���" �� �7'4� � �&'�G ?�� D �� $

1=�4� � 9" ����2" �� �,'� ���" � ���2���� �'��� �P���� .

�"�� (� ('�� 2� :�"+& � �:.F" � �:'E�"� G���' �" 15.0 % 9"��" �'+� ��+� �+"� (" �.

���� �" (�� $�!��65.0 % ��� �+"� (�� $�,��8�8��� �� *�'�� ��� � ��� �+"� ("

�+"�" �" �,��� 3+q�� �,��8�8��� �� �'���" �16.25% ��� �+"� ��� 3E+� H��'��� $

����� ��,��8�8��� �� -3.75 .%

���� �" (� 3�,4� 2� #��� � 3��� � �'E�"� G���' �"�28.75 % ��'� ���� ("

�:'+"� #��� �,' ("" �. ��� �5 (�� $�!r� 3��� 10.0 % 3��� � C����� ("" �.

(" �:'+"& � �,����6 B 10 ��� (�� ²3��� �'��� � ���" � � C����� ("" �,���� 3���

(" �:'+"& �11 � � 15 3E+� �� 40.0 .%��'��� ���� (" �:'�=" � ��� � :� �"�� (� ('�� $

Page 91: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

76

#��� �,' ("" ��� � ��'�16 �� �/�r� 3E+� 21.25 %��'��� . 3�=7+ ?� � (" ���'

�7 � *�"� (" H����� *�&' $����" �'�"6 # " ��8�" �� 14�" � ��2� (� �'�"& � ��

��"��� . �'�� A� 3���"" � �'�� �� �'�� A� ��' � �"5 � � �7� 3!� � �� D �'�'�

� � (� H� '&����2�� ��� � ?8�" � �� 14�" � . �� �" � � 3��� � � �"�� (�� !�

3E+� �����$3��� 3 �+� '6' ��� � ?8�" �)71.25 (% ?8�" � �� �. (" 9" H��'!

���3��� 3 (" �!� � . ���� # ��� � �F" � �� �"& � 3��� 9" ?� � #����" ���

����" � 6'6&� � ��' % � %��� � �8�& � (� 4s�5' $�&"�� � �'.r� ��'�'����A� �.F"

�'��� � ���" �� ����" � 3�'�'����� 9��� G'G�� � �� �' �F" �"�� .

� � 6��" � �'E�" ��� �� (� ('�� 2� $��� � ��'� ���� �7'441.25% �=� (" �.

�� ('+"�& � ��!�� ��F� (� �"� $('�' " �1��8" � �+"�" �" ���� 3+�� ��� � ��"

58.75 .% � � �"�� �&' D �'7�� ��', � 3����"� �,G������ D��� � �� �'"'4�� � �'"�, �

�� �'6��" � ��� �'� (" �"'4�� � � � ����� $% �"& � ��'& �� �'"� �� L��7 � &�

1��8" � G��� � �� L���" � ��"�.�� 3� �'���E� � KG��" � �'GE� �����A� �&+ ('�

�" �� ����8� .

�����:�$��א���א����!-� �

� ����!%�א '�����א��*� �א� �א���א� �א�� ���!�%�א%��� .�/%�� � �0� +���,� �א�

� .א��*�

Page 92: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

77

� (� �����+=� �� $��� � �� ��� �'��� � 3�G��" � 3��������� �'��'&" �

���" � 3�'�'����� K'�G� P��" ���&" D � �, �"��� �� � 3���"+ � $��� � 3��27

����" � P��"� $�'��� ��'�'����A� �� 1��8" � �'"5A� �4� �,�� (" �'�'G+7 �

!� $('/���" �� �� � *�'2"+ H�2�� ��� � ��'� 3��2� 3����� �'��� �� :

(��' D �+� �����:

P��" (" >7��" � K'�G� �1 ] (" �!�2.33

P��" (" G��" � K'�G� �2.34 ] (" �!�3.67

P��"(" 97��" � K'�G� � 3.68 ] 5.00

$�0� $�?� � :� ������� $�# B8�#�� � ������ <���� �� ����� � ,���� ��������

������o� ��� �)���.(�� =��2��(� ,��� � ����� � &�� 9��#� �� `���� �� =��� � (

������� � ������ ����� �

Page 93: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

78

�'��'&" � 3������A�� �'��� � G���� ?�� �� ���� ��� � ��F (� �����

G� P��" ��� ('/���" � 3���8� �� �'��� � ���" � 3�'�'����� 3���"" K'�1��8" �

�� � �� �'�'G+7 � �'"5��)5 (D ('�'.

$���)4( ����� � ,���� ��������� ����� <���� �#� B8�#�� � ������ ���� � �����#���� ���# � ����0�

�� ��� ������ ������ � ���(�

�D�� � � �����

����# � ���� � ���#��� ��� � 2���� � <����

��'����� ?�G2��� 3.75 0.637 3 �&7��" �'�G� �� ?'� � � 3.84 0.540 2 �&7��"

�'��� � ���" � �+� �4���" � 3.82 0.740 1 �&7��"

�'��� � ���" � 3�'�'����� 3.80 0.570 B �&7��"

�� � � �5� (" ���')4 ( ���""� K'�G� P��" ('/���" � 3���8� (�

�� �'��� � ���" � 3�'�'�����1��8" � �&7��" K'�G� ��� � 3��� ! �'�'G+7 � �'"5��

|+� ���� G��"��)3.80 ( |+� %��'&" 1������)0.570 .( ?'� � � �'E�" �� !�

"�� �&7��" K'�G� ��� �� � ��� ����" � �� �'�G� �� |+� ���� G��)3.84 ( 1������

%��'&")0.540( �/ �/ � ����" � �"� $�'��/ �� �'��� � ���" � �+� �4���" � �'E�" �� ('� �� $

Page 94: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

79

|+� ���� G��"�� ��'� �&7��" K'�G� ��� �� ��'����� ?�G2��� �'E�" 3��� 2�

)3.75 ( %��'&" 1������)0.740.(

'=� � �F�� � (� K/���� �'��� � G���� ?�� �� !� �. $�/5/ �'��� �+=� -5�� *

���" � #�� � 3�'�'����� ���""� K'�G� P��" ('/���" � 3���8� �'��'&" � 3������A��

�� �'��� �1��8" � ���" � #�� � 3�'�'����� (" �'E�" �� 3��27 �'�'G+7 � �'"5��

�+' �"� �'��� �:

$�?� � $�(� ���� � : =��2��(� ������� ����� $�# B8�#�� � ������ <���� ��

�� ���.(������� ������� � �����

$���)5(

�������( ���� � �����#�(�� ���# � ������� ���� � ����� � �D�� ���2� $�# B8�#�� � ���.(�� =��2��(� �������

#�27 � G� ����� �

1������%��'&" �

���� � P��" �2���" �

1 ?G2��1��8" � �'"5A� �'��� � ���" � 3���," (��+�"' (' � ���" �� �'��� 3����� #�� �� 1=�4��"," � �'�� A� ?8��" � �E� .

3.80 0.830 3 97��"

2 � � ���" � �' " 9" 3� �� �� ��!�� ��� " D���' ?�G2��� �� �'���'"5A� 1��8" � �� (''&� ��.

3.82 0.743 2 97��"

3 >�E (''&�+ ('" 2�" � (� 3�"�+&" 9"�� �'"5A� 1��8" � ��,�(''&� �� �+��7" � �� �,"� ���.

3.96 0.811 1 97��"

4 ('+"�& � ��'��� �� #�� � � ��'&" �+� �'"5A� 1��8" � "�&�. 3.65 0.863 4 G��" 5 (��� (� �'"5A� 1��8" � �� ('+"�&+ (''&� �� ?�G2��� �''�&" ("

��� K'�� ("� �"&+ #� 2 �. 3.52 0.719

5 G��"

$"" ���2� � 3.75 0.637 :����

Page 95: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

80

�!� �� � � �� #�G" � J=��� � �'��)5( �2�G" �'��� � ���"+ 3�'�'����� D ��. (� � � $

��! (" 1��8" � ���" � 1=�4�� �'+& � #�� A� P ��"�.�� (" H���� D��. (�� $�/���" �

1=�4� � -. �� ��2� % � ��'������ �� ��� �'��� � . 3������� 3������ 3�� 2�

('� 3����� �� � �'��� � �,��G��"�)3.42 ] 3.65 ( 3����& � P���" �+� �2���" � P��"

3,�� �� � � � �'��� � ���" �('/���" � . *�&' � 3�����5 %��'&" � 1������ (� �"�

('� C���� ���� �' �� 3��� ��� )(0.743] 0.863 . 3������� �� K���� � �,4' �" �.�

�'�'����� D��. (��� (�� $��'����� ?�G2��� �'�'����� �'".��� ����2 � 'F� �� �

���� ?�G2�5 �"4�" � �'�'����� 9" �"���" �� �)��� �� �"&� ��'�. -. (� ���� � P�'�

3��� � 3�,��� 9" �"��" 3��� ��'�� � 1��8" � �'�'������ ��"�.�� ��� ('G+� ��

�� �'/r� � �� ��&+� % � �� + H��4� $�'��� � ���" � 3�'�'����� �r� ��'����� ?�G2���

#��7�� # ��(=��6 � � � �," 2� �� � 3�" � �� �,�7+�� #����" � �'��� � ���" � . (� 4s�5'�

(" �"4�" � �'�'����� (" %�'� �6� �,�� *�� �+� ���� � �7'4� � � �4�� �'+& � #�� A�

���� � G��" � �5�)3.75.(

����� ����� $�# B8�#�� � ������ <���� �� ���8 � ���� � $�?� � =��� � �� �� ���� ������� ������� � �����

$���)6(

�������( ���� � �����#�(�� ���# � ������� ���� � ����� � �D�� ���2� $�# B8�#�� � ���� �� =��� � �������

,�2� � ��� �����# �

���#�(� ���� �

��� � <����2���� �

6 ��' �! �� �� (�+"�& � 9 / (� �2' � ��� ��'� � J"���� #�=� 20 ��� �� �� ���

3.77 0.76 4 97��"

Page 96: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

81

7 �'��� � ���"+ �'������ � &" (" �'�'� � � J"��� � '6�) 35"�&" � ��'"�' #6��" �(

4.03 0.65 2 97��"

8 �'�G�� ?'� � �"4��" J"��� �'"5A� 1��8" � "�&� � � ('+"�& � �, �"65 � 3���," � ?����

3.72 0.90 5 97��"

9 �'"�� � ��� 66&' �"" �,2'�G�� ���&" � �� ��� (" �'�'� � � J"��� � '6�('74�"+ �'7'4� �

4.08 0.76 1 97��"

10 �� �7'4� � (��� � � &" >7� �� �'�G� �� ?'� � � J"��� 3 ���'"5A� 1��8" �

3.58 0.90 6 G��"

11 ��'&" �'"5A� 1��8" � K�G� )ISO ] 10015 ( ?'� � �� K+&�" �('+"�&+ �'�G� ��

3.86 0.74 3 97��"

* $"" ���2� � 3.84 0.54 :����

3�'�'����� �r� �'�G� �� ?'� � � ���"" ��� (� (�/���" � �= �" �� ('��

�� � � �� �'��� � ���" �)6( ('� 3����� �� � �'��� � 3�G��" � �5� ("� $)3.58 (

�)4.08 ( �'�G� �� ?'� � � �'�'����� ���"" � ��� (" �&7��" P��" D ��. (� ����

�� �+"�& � �'��� � ���" � L����� K+&�' �"'�� $�'��� � ���" � 3�'�'����� ���1��8" �

97��" P��" D��. (� �� �'"5�� ���� � �,G��" |+� �'� ���"" � -, )3.86 ( $

�� �'��� � ���" � �'"�� � � 1 ,� #7�" � �'�'� � � J"��� � (� �� D �1��8" � �'"5��

���� � �,G��" |+� �'� �'�'G+7 �)3.77(+ G��" �� � (�� ('� �� $" �2+&�" � ���"

��'&" ?'� � � ��'&" K'�G�� )ISO ] 10015 ( |+� ���� G��" �+� ���2� 36���

)3.86( �G��" �2���" ��� � �.� $.

���"" 3� �,�� �� �'�G� �� ?'� � � �'�'����� 3��27 ��& � G��" � � � �4� ���

�'�G� �� ?'� � � �'�'����� 3��27 ��& � G��" � |+� �'� �&7��")3.85 ( �2���" ��� ��

�&7��" .*�&' �"" ��� �� �'�G� �� ?'� � � �'".� 1��8"+ �.�� � �'�'G+7 � �'"5��

Page 97: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

82

3!� �� ����" � # �� � �&�� ("� �/' � � 3���"" �� 1��&" �� �"4�" � '�6� �� *'=� �

?��" �.

3 �8 � ���� � $�?� �: ������� ����� $�# B8�#�� � ������ <���� <���� ��

� 9��#� � �� ��� � ����� � &������ ������� � ���(�

$���)7( �������( ���� � �����#�(�� ���# � ������� ���� � ����� � �D�� ���2� $�# B8�#�� �

������� ��� � ����� � &�� 9��#� �

,�2� � ��� �

����# �

���#�(�

���� �

��� � <����

���� �2

12 ��7��" �'"5�� 1��8" � �� �"& � (��� � &" &' 3.76 0.63 4 97��" 13 �,�'� ��7 � %���� �'"5�� 1��8" � �� (�+"�& � �&�' 3.87 0.91 2 97��" 14 �+'�G 3��� #6'"�" � �'��� � ���" �� �'"5�� 1��8" � 47��� 4.11 0.87 1 97��" 15 A� 1��8" � � �� # '�7 � 3�8�8���� %� ('+"�& �� �8�� �"�"�.� �'"5

�,' �"& � �� ��2� � �+� �,&'��� 3.63 0.77 5

G��"

16 ��� ' ��+ �'�� � 3�6��A� �� �+� ('+"�& � �'"5A� 1��8" � 9���('��� �.

3.77 0.86 3 97��"

17 +� �4���"+ �' �" 6���� �'"5A� 1��8" � ��"��,'74�" � 3.94 0.91 6 97��" 18 ���� ���2/� 3����2 � ���� �� �����" � � �" �'"5A� 1��8" � 66&�

�,' 3.66 0.72 7

G��"

* ��� 3��27 � 3.82 0.74 97��"

Page 98: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

83

� ('��/���" � �= �" �� ���"" � ��� ��� �,����8� (� (�'�'����A �4���" �

�� �'��� � ���" � �+� 1��8" � �'"5A� �'�'G+7 � ������ � � )7( �5� ("� $

('� 3����� �� � 3�G��" �)3.63 ] 4.11 ( �"& � (��� � &" �� ���7��� D ��. (� ����

�� 1��8" � -. �� ('74�" � ��&� (�� $('G+� �� �+"�& � �'"5�� 1��8" � (��

,"�"� ����" � ��7 � �+� ��8� � �� �'���" #� ! � � ������� $�1��8" � �'"5��

%� �,&'���� $�+'�G 3���7 �,'� #6'"�" � �'��� � ���" �� 4�7���� �+� �'�'G+7 �

-. �� # '�7 �� #6'"�" � 3�8�8����1��8" � �'6�" 6���� ��' K�G� �,�� ��&' �"" $

� �+� ��8� � �� ��7 � ����� P��" �+� �'��&"� �' �"&' �""� $ �7+��" � 3�'!�� 6 �. 6

-�����D���� 3��� � -. 1��8" � �,' ���� ���2/� 3����2 � ���� 3�'+"� �� ('74�" �

" G��"� ��� #�27 � -. G��" (� (" �)� � �+�G�� �2���" � (" � � ?'�!�

�&7��" �)3.66.( #�� A� ��"�.� � � �&' D ?� (� ���� � 2�&'� �'��� � ���" �� �'+& �

��8r� (" �,�� J��' �" �5� (" ����� � 6��" � �� �� �'���� � �,�6'" (" 66&� �,'� �'��&"

����� ����" (" 66&� # �� 1��8" � �'�'����A� �� �'��8" � ����8 � P��" �+�

1��8" � �'"5A� �!� �� � �� $('G+� �� �+"�& � )7 ( D ���'.

� ���8 � !5� � $�?�" ���� � ������� $�# B8�#�� � ������ <���� ����������

������o�)1�� � ���� ,:��� � ���� ,��� � ;��� � ���� ( ������� � ����� ��

� B����

Page 99: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

84

� ��� � ��F (� ����� *'=� � ���/ �'��� � G���� ?�� ��3���������

� �'��'&" � K'�G� P��" ��� ('/���" � 3���8 ����" ��'�'����A� ��1��8" � �'"5A�

�'�'G+7 � �� � ��)8 (D ('�'.

$���)8( ���# � ����0������#�(�� <���� �#� B8�#�� � ������ ���� � ���� ��������� ������� �

���������� �

�'E�" � ��" ����� � G 1������ %��'&" � ���� � �2���" � P��"

K� � ����" 3.64 0.51 1 �G��"

9�� � ����" 3.06 0.94 3 �G��"

' � � J��" � ����" 3.42 0.76 2 �G��"

���� ��������� 3.37 0.620 � �����

�� � � �5� (" ���')8 (��" � P��" ('/���" � 3���8� (� ���'�'����A� ��

1��8" � �'"5A� |+� ���� G��"�� �G��" �2���" ��� � 3��� ! �'�'G+7 � )3.37 (

1������ |+� %��'&" )0.620 .( �2���" ��� �� � ��� ����" � �� K� � ����" �'E�" �� !�

|+� ���� G��"�� �G��")3.64 (1������ %��'&" )0.510('E�" �� ('� �� $ ����" �

|+� ���� G��"� $�'��/ �� ����" �� ' � � J��" �)3.42 ( %��'&" 1������)0.76( $��'���

Page 100: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

85

|+� ���� G��"�� �G��" �2���" ��� � ' � � J��" � ����" �'E�" �/ �/ � ����" �� ��

)3.06 (1������ %��'&" )0.740.(

�/5/ ���/ � *'=� � �F�� � (� K/�����+=� ?�� �� !� �. $�'���G����

�'��� �3��������� ����" � ���""� K'�G� ��� ('/���" � 3���8� P��" �'��'&" �

�'�'����A� �� 1��8" � �'"5A� ����" � �� �'E�" �� 3��27 �'�'G+7 � �'�'����A� �"�

�+':

���� � $�?� �$�0� :# B8�#�� � ������ <���� �� �� 1�� � ���� $������ � ����� � �����.

$���)9(

�������( ���� � �����#�(�� ���# � ������� ���� � ����� � ���� �D�� ���2� $�# B8�#�� � 1�� �

� ���2� �

��� �=��# �

���#�(� ���� �

��� � <����2���� �

,

19 � 2 � �' �"5A� 1�8" �K� � �='� �� 3��'E� � 9" 1'��+ # 3.08 0.804 5 G��" 20 ('���" � 3����� 9" 9'� � ���7�+ #� 2 � �' �"5A� 1�8" �

('���� 3.67 0.674

3 97��"

21 9" �"�&�+ �'+��7� 3�'�'����� ���� �+� #� 2 � �"5A� 1�8" � P K� � �� 3��'E� �

4.03 0.733 1 97��"

22 9" �"�&�+ �'!���� 3�'�'����� ���� #� 2 � �"5A� 1�8" � P ���8" � K� � 3��'E�

3.85 0.826 2 97��"

23 �') 3��'E� � �,���" #� 2 � �"5A� 1�8" � P �&!��" � #�� �� ('���" � ���7' �" ?�� J��" � #�'�K� � ��

3.57 0.785 4 G��"

$"" ���2� � 3.64 0.507 �����

Page 101: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

86

�� � � �� # ��� � �� �&" � 3���'� � (� # ��" � J=��� � � �)9( ���� � G��" � (� $

|+� ��� ���� G��"� 3��� K� � ����" 3��27 ��& �)3.64 ( |+� %��'&" 1������

)0.507 ( �!� �� � � � � �4� ��� $G��" P��"� �2���" � ��� 3����)9 (('��' �( #� !

1��8" � ��� �'� (" �G��" 3��� �'��8" � �'!� � �='� � �� 3��'E� � 9" 1'�� � �+�

���� G��"� �2���" �)3.08( 3���� $�+�� �2+&�" � #�27 � ���� � �,G��" �� 3��27 �

� � �,G��" |+� �'� �'��8" � �'!� � 3��'E� � 9" �"�&�+ �'+��7� 3�'�'����� ����� ���

)4.03( 3��� ('� �� $�� � #�27 � ���� � �,G��" ��� �,'+� �2���" � ��� �� 3��27 �

2 �� �2+&�" � �G��" �,'+� �2���" � ��� 3���� 1'�� � �+� #���'� . 1������ (� �"�

�' �� 3��� ��� *�&' � 3�����5 %��'&" � .

�' � �" � � �&' D ?� (� ���� � P�'� 1&�� ('G+� �� ���8" � K� �

(� ��&' �"" $K� � D'��� �+� #� �2 � ����" �1��8" � �'"5A� &� �8� � ('G+� ��

� �� ����" � (�� �+"�� � �'!� �,���"�� (� �,'G&' �"" ���� ���� K� � �� ����" K2��

��'������ �,7!�" 6'6&� �8�7 �.

���8 � ���� � $�?� � :� �� :��� � ���� $�# B8�#�� � ������ <���� ������ �

����� � ���(�.

$���)10(

�������( ���� � �����#�(�� ���# � ������� ���� � ����� � ���� �D�� ���2� $�# B8�#�� �

:��� � 3

3��27 � G� �?�� �

1������%��'&" �

���� � <����

2���� �

Page 102: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

87

24 3���� � �"5A� 1�8" � �� �'+'E�� � �!�G � J �&��" � � �+� ?+G � �� �+8�� �

3.23 0.89 1 G��"

25 1�8" � �� # ' � � 3����" � �' 2� �65 � 3!� � &'� � >7��" �"5A�

2.91 1.34 3 G��"

26 �"& � ��4������A� ���' ����8" �� �'���"� 9�� � �!�G � ���'����A�

3.05 1.25 2 G��"

$"" ���2� �

3.06

0.94

�����

�� � � �� # ��� � J=��� � 3�,4� 2 )10( 9�� � ����" ���$1��8"+ �'"5A� �'�'G+7 �

3������ �G��" 3��� 3��27 � ?+)� �� ��'�&" � # �� 3������ �'��� � 3�G��" � (�

('�)2.91]3.23(5� ("� $ ���< �� H��'��� D ��. (� ���' �'��'&" � 3�������� � ���" �

�'��� ���8� � �,� ('/���" � . #�2� 3����" �"5A� 1�8" � �� �'+'E�� � �!�G � J �&�

�" � � �+� ?+G � �� �+8�� � 3���� � "���� � �,G��"� �+��� 3����)3.23 ( 1�������

%��'&")0.89(� ����A�� $ #�2� � " 1�8" � �� # ' � � 3����" � �' 2� �65 � 3!� � &'

� � >7��" �"5A� "���� G��"� 3���)2.91 ( %��'&" 1�������)1.74 ( 3����

G��" �' 2�� 3��� �,'+� �2���" � ��� �� ���� � �,G��" �� �� �� .

(� � � �&' ! D ?� (� ���� � P�'�1��8" � �'"5A� ('G+� �� �,"�"�

&� �� �,G����� ?�� # � �" 3���'��"5A� �') �� 3���" ��� � �, C�" � � ��

*�� �� �"� $ �,'+� 3"�! �� � 1��8" ��'���� � .

Page 103: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

88

3 �8 � ���� � $�?� � : �� ��� � ;��� � ���� $�# B8�#�� � ������ <���� ��

����� � ����������� � .

$���)11(

�������( ���� � �����#�(�� ���# � ������� ���� � ����� � ���� �D�� ���2� $�# B8�#�� �

��� � ;��� � 3

3��27 � G� �?�� �

1������%��'&" �

���� � <����

2���� �

27 � �!r�� ' � J��" �' 2� #� 2 � �' �"5A� 1�8" �1' ��� 3.42 0.65 3 G��" 28 �� K� � �� # ' � 3����" C�G �+� � �! �"5A� 1�8" �

�'8! 3!� 3.25 0.68

4 G��"

29 L� ��� (" �' �� ��� �+� # ' � 3����" �"5A� 1�8" � P 3.16 0.95 6 G��" 30 3��)� ��+' � �� L��� 3� # ' � 3����" �"5A� 1�8" � P

�(=��6 3.85 0.77

1 97��"

31 �'�G�� ('�� �,�+)� �� # ' � 3����" �"5A� 1�8" � P # ���" � 3����"+

3.66 0.68 2 G��"

32 � 5� (" ' � � J��" � �' 2� �� �/r�' � ��' 3�" � � ��4� �� � 3.18 0.72 5 G��" $"" ���2� � 3.42 0.76 �����

Page 104: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

89

��� � ��� �� ('/���" � %�� ���&" �1��8" � ��"�.� P��" ��� �'"5�� 1��8" �

�� � � �� # ��� � 3���'� � #���! �5� ("� $(=��6 � � �� # ' � 3����" �'�G�� �'"5��)11 (

5� ���< ('� H�2���� 4��'��� � ���" � �'�G�� �2+&�" � ����" �� ��"�.�� -��� ('/���" �

� 3����" �(=��6 � ��� �� � # ' � . �,"'! 3����� �� � �'��� � 3�G��" � 3�'��

(")3.16]3.85( ('� 3����� �� � �'��'&" � 3�������� �5� ("� $)0.65]0.95( ��� $

?��� � �. ��8�� ('/���" � ('� ����� �� *���� . �,",7�� �'+& � #�� A� ��� *�&' �.�

�" �� ����" ��'� �'".� $�,� 4�7����� (=��6 � 9" �!5� �"�!� G�'� � �' �"� # ' � � 3���

�' �� 3��� ��� *�&' � 3�����5 %��'&" � 1������ (� �"� . (� �+� J=��� � � ��

1��8" ��'"5�� (� �"� $�'+�2�" � �,��&!�� ' ��� �,�=��6 ��� P " �"�" ��7� ��2�

� �&� ��8�� 3���! D��. �+���" �� (��6 � 3�8 � � L�"��� (" �,�q�"� (=��6 � 9"

(��6 �� �"4�" � ('� �2/ � ���� ��� (" �,'� ?)�' �� � # ��" � �+� ��8� � �� �� ��"�

�,�'���.

�8 �8:���� � ��7�� ����.�:

�+' �"�� ��� � 3�'��� ������ J=��� ���� � >�&�':

Page 105: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

90

'=�8�A� ?' ��� K'�G�3�'��7 � ������ �:

��2 � ������.(�:

$��� + 3�'��7 � ������ &�" � �� ��A� K'�G� �� � � � ��!� ���� � ��! >&� �����

�. �"� D � �� ���� �'+�� 3������� 3���'� � �"=5" ��� (" D � $�'+�2 � 3��������

�+' �"'� ���":

1( ���� � :��� � ����.�:

r� � �� �&'�G � 9'6�� � 3���'� � L���� (" �)Normal Distribution ( ������ �� ����

)One Sample Kolmogrov Test( �� ��� �� �� �'6��" � ��6� � �'�4� H� ����� $

(" ���� ��'& � ��� (��)30 ( ���� G� � �)½ ( ('����)2δ( G�+ ��'�&" � 9'6�� (�� $

6�� � (" ?��2� ���� ��&'�G � 9'.

2( A)��� � ,�+ ����.(:

�� @�"� � #�! ������ ��"&���.� 3�������� (" �+"� :

• �2��� � ���D�� � �2��� ����.� ;5���:

(��'� G����A� 35"�&" ���78" ?�� ��)Person ( 3��'E�" � ('� �!5& � ���&"

� �G� G����� ��� (� 1�� � 1 ,� D � $�+2�" ��� � �� $�+2�" � 3��'E�" � ('

)3]17 (����� 3��'E�" � ('� G������ 35"�&" J=��� ���{' :

$��� �)12(

��� � ����� � ,���� ��������� ����@ B� �����(� �����

Page 106: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

91

** A� �� ��& ��>7�" ���� ��9)α ≥ 0.01( * A� �� ��& ��>7�" ���� ��9)α ≥ 0.05(

�� � J=��� ('��)12 ( 3�'�'����� 3���"" �&�� ('� G������#�� �� �'��� � ���" � D ��. (

G����� P��" �� H�'=�8�� �� )α ≥ 0.01 ( (��%�!� 3���"" � ('� (�� 3�G������ -.

('� 3�!5& �� �2+&�" ��'�'����� �2+&�" � 3���"" �� ��'����� ?�G2��� �'�'������

3���"" ('� H�'=�8�� �� G����� ��� � � 4�5' �"� $�'�G� �� ?'� � ��'�'�����

���""� �'��� � ���" � �+� �4���" ��'�'����� �'! 9'"� 3��� �'� �'�G� �� ?'� � �

(" ���� � � � P��"0.05. �+� 1�8� �� � � �� G����5 �"'! �+�� (� ���� � P�'�

�'��� � ���" � 3�'�'����� 3���"" �&�� ('� G������ (� � � �'�' �"" �G��" ��� � �,��

&� ��� � � �8' ��� G����� � � �8� � �,��� �� ���� �'+�� � ��2")0.90 ( �� �&��� ('�

�2�" � �'E�" �)(Sekran,2003.

• ��. � ������� ����.�)Multicollinearity :(

����0� �����(� /

(� �

�"" 3���'�'����� ?�G2�����'�����

3���""�'�'����� ?'� � �

��'�G� �

3���""�'�'�����

�+� �4���" ��'��� � ���" �

G������ 1.000 3���""�'�'�����

��'����� ?�G2��� P��"� � �

0.000**

G������ 0.420** 1.000 3���""�'�'����� ?'� � �

�'�G� �� P��"� � �

0.000 0.000**

G������ 0.393** 0.271* 1.000 3���""�'�'�������" � �4�

�'��� � ���" � �+� P��"� � �

0.091 0.214 0.000**

Page 107: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

92

�!���+ &�" � �G� � G������ ������ �� ���� ���� � ��!)Multicollinearity( �&�� ('�

3���"" �+��" � -. ��� � � (" ��� � 1 ,� �'��� � ���" � 3��'����� ) G������

�'��� � ���" � 3�'�'����� 3���"" �&�� ?�� �!��� � ('� �G� �( �+� �"����� D � $

('��� � ���� �"�&" ������)VIF (Variance Inflation Factor C�"" � ('��� � ������� $

)Tolerance (� �+2�" � 3��'E�" � (��� (� ?�' �'� $�+2�" � 3��'E�" � (" �'E�" �

K�G � �� ���&' % � ������� �. K'�G� �� >�E � D (" �r�+ � $�,�'� �"'� �+2�" @�"�+

�"'2+ ('��� � ���� �"�&" 6���� � � (" �� ��� �+& � 9" $�G� � &� � �+��" (" �+��+

)5(� �"'!� $ (" ���� (��� (� �� C�"" � ('��� � �����)0.05 ( �2�� � 35"�&" � ?����

�� � �� ������� -. J=��� �+' �"'�� $�+2�" � 3��'E�" � �� )13:(

$��� �)13(

� � /.7� $���� /��.���� ��� � ����� � ��������� ����@ B� ����� � ��. � �����(� ����.� ;5��� B��

)VIF ( H� ����� � B��� ��)Tolerance (� 4��� (��KNS

�D�� �

/.7� $����

B��� �

)VIF(

H� ����� � B��� � )Tolerance(

$����4��� (�

(� <����

����.�

����� �"N

������

�2+&�" � 3���"" ��'�'������ ��'����� ?�G2���

1.82 0.845 1.45 0.062

��"" � �2+&�" � 3��'������� 1.58 0.822 0.64] 0.110

Page 108: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

93

�'�G� �� ?'� � � �+� �4���" �� �2+&�" � 3���"" �

�'��� � ���" � 1.15 0.801 1.221 0.303

�� � � ('�')13 ( ('� 3����� ! ('��� � ���� �"�&" �'! (�)1.15]1.82 ( ���&��

+��" ��� � � � � �'��� ����" �'2 � -. D � '�6� � �5 �&�� ('� �G� � G������ �

(" �!� 3��� �'2 � -. 9'"� (�)5 ( ('� 3����� ! �� C�"" � ('��� � �'! (� 4�5' D �

)0.801]0.845 ( (" ���� ���&� �'2 � -. 9'"��)05.0 ( ��� � &� @������ �� ��' �""

" �&�� ('� &�" � �G� � G������ �+��" � � ?�' �'� $�'��� � ���" � 3�'�'����� 3���"

�+2�" � 3��'E�" � �'2 �'=���� (" K2�� � 1 ,� �+��" � -. 6���� . �5� (" 4�5' �"�

�� � � 3���'�)11 (('� 3�8��� ! ���� �� 35"�&" �'! (�)0.64] � � 1.221 ( ���&��

"� $�&'�G � 9'6�� � (" ��'�! �'2 � -. 9'"� 1���" �� ������ � � P��" �'! �'�� �–

(" ���� �,&'"� 3��� �� �� 1���'"0.05 �&�� 3���'� 9'6�� �' � ��� �'��� ���! � �

�� ���� �'+�� ������ K'�G� ��� G�� �.� �&'�G � 9'6�� �� �,����!�� '�6� � �5

�G� �.

���#�(� $�#� 1��� ����:

��� � � � ��! (" ��� �� ���� � ��! ��� � 3�'��� ������ �G� � �� ���� �'+�� �� �

�&'�G � 9'6�� � ������ �/" �� ���� �'+�� K'�G� G��� �+2�" � 3��'E�" � 3���'� K'2��

� � (" ��� � � � ����� $�'��� � ���" � 3�'�'����� 3���"" �&�� ('� G������ �'! �������

�" ��� �� ���� �'+�� K'�G� �'���"� � � 3�������� -. J=��� 3 !� �G� � G������ �+�

Page 109: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

94

�2'�G 3" ��� �'� �G� �)Enter( �'+�� J=��� >�� �+' �"'�� J=��� � @����� ��

�G� � �� ����:

����.� $�#� ;5������#�(������ � ��. � :

�+2�" � 3��'E�" � � �� � �� � � ('�' � �&" �� �,"� ��� �� �� ��� ����) Enterd(

$��� �)14 (

�.�� � ���D�� � / ���. �)Variable Enter/ Remove(

A)��� � �.�� � ���D�� � ���D�� �

���. � 2�� �

1

�'�'�������'����� ?�G2��� �'������ �'�G� �� ?'� � �

�'�'����� ���" � �+� �4���" � �'��� �

] Enter

�� � � ('�')14 ( �� 3" ��� ! �'��� � ���" � 3�'�'����� 3���"" 3��'E�" 9'"� (�

�2'�G� �'�'������ ����" � �� �'/r� � ��� Enter.

�5� � 7�� � : ��� � ����� � ,���� ��������� ������� 5��#� (� �) �8� ��� (

������o�)������ � ����� � &�� 9��#� �� `���� �� =��� �� `���.(�� =��2 ( ��

�������� ������(� ���� �)��� � ;��� � ����� `:��� � ���� ` 1�� � ���� ( ��

����� � (� <���� ��� ����� � ���(� α ≤0.05).(

� ���� �� ���� ���� � ��! �'��7 � -. ������ 3���"" �/� ���&" &�" � �G� � �

����" � �� �'��� � ���" � 3�'�'������'�'����A� �� � � �,�"��' �� � J=��� � ('�� �'� $

�!�)15 (J=��� � -.:

$���)15(

Page 110: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

95

�5� � 7��� ���#�(� $�#� ;5���

7�� � ����

�D� �

6����

������ �

�����

�# �

df

�����

6���� ������ �

MS

R2

$������#� �

R

$���������(�

F

���#� �

F

��� �

<����

(� �

Sig.

���2 �

�5��#�

�� ���� 6.789 3 6.786

rG� � 5.740 76 0.076

�/� 3���"" ���" �

�� �'��� � ����" �

�'�'����A� L�"�" � 12.527 79

0.473 0.736 59.741 3.96 0.000 >��

�'��7 ��'" & �

*12�345� 6# 7��� � � 8�9��� :4���� ����; �, <��.�

�!� �� � � �� # ��� � 3���'� � (" ���'�)15 ( �"'! (�F �. ����" � )59.741 ( �.�

�+�� �' � � � �,�"'! (" )3.96( �+' � � �'��7 � ���!� �'" & � �'��7 � >�� ?��' �"" $

��� �� �� ��� �+�" ����� � ,���� ��������� ������� 5��#� (� �) �8@ ���

������o� ��� �)��� � ����� � &�� 9��#� �� `���� �� =��� �� `���.(�� =��2��� (

�������� ������(� ���� � ��)��� � ;��� � ����� `:��� � ���� ` 1�� � ���� ( ��

����� �(� (� <���� ��� ����� � ���α ≤0.05)(" �"'! - ��� �" �.� $Sig.

�E �� �)0.000 ( (" �!� �,�� �'�5% (� �"� $R2 3E+� )0.473( ��'E� D��. (� ��&' �"" $

9��� � �'E�" � �� �2�" � �'E�" � �/ �'47.3%.

/+� $���)16(

�5� � 7��� ����� � ���#�(� $�#� ;5���

�'��'&" �') 35"�&" �2�" � �'E�" � �&��

β rG� �

35"�&" �'��'&"Beta

t ����" �

t �' � � �

P��"� � � Sig

�"�&" ' �� � R2

Page 111: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

96

%��'&" � 3��/ � 1.023 0.312 2.332 0.002

��'����� ?�G2��� 0.271 0.092 0.311 2.307 0.002 G� �� ?'� � ��'� 0.320 0.062 0.155 5.981 0.007

���" � �+� 4���" ��'��� �

0.308 0.076 0.488 4.988

1.99

0.000

0.597

*12�345� 6# 7��� � � =9��� :4���� ����; �, <��.�

�!� �� � � ("�)16 ( �2�" � �'E�" � �&�� 9'"� �'! (� ('��') ?'� � �� $��'����� ?�G2��

�4���" �� $�'�G� ���'��� � ���" � �+� ( �'��&" P��" �� H�'=�8�� � � )0.05( �'� $

3���t �"'! (" ���� �2�" � �'E�" � �&�� �� ����" � t � H��/� D ��. (� 3�/' �"" $�' � � �

����" � �� �'��� � ���" � 3�'�'����� 3���"" ('� 3�!5& � # �� �'=�8�� � �

�'�'������.

�"� �� � � ���' )13 (�)14 ( �'��� � ���" � 3��'����� �&�� �/�) ?�G2��

�'��� � ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ( �'�'������ ����" � 6'6&� ��

��1��8" ��'�'G+7 � �'"5�� . � � % �'/r� ��� �=�8�A� �'+�� � J=��� 3�,4� �

� $�'=�8��G������ �"�&" |+� �' �!� �� � � �'�' �"� )15((� r) 0.736 (P��" ��

)α ≤ 0.05 .( ' �� � �"�&" �"�2R |+� 2� )0.597( ��"'! �" (� %� $)0.597 ( 3��'E� � ("

�� �'�'������ ����" � ��1��8" � ��"�.A� P��" �� �'E� � (� J��� �'�'G+7 � �'"5��

����� ���'��� � ���" � 3�'�') �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��

�'��� � ���" �(�'/r� � ��� �"'! 3E+� �"� $ β) 0.271 ( $��'����� ?�G2�5 )0.320 (

$�'�G� �� ?'� �+ )0.308 (�'��� � ���" � �+� �4���"+ . # ��� ��� � # �'6 � (� ��&' �.�

Page 112: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

97

P��" �� �'��� � ���" � �&�� �� ��"�.A�) $�'�G� �� ?'� � �� $��'����� ?�G2��

�'��� � ���" � �+� �4���" �� ( �� �'�'������ ����" � �� # �'6 � � % F'1��8" �

�"'2� �'�'G+7 � �'"5��)0.271 (� $��'����� ?�G2�5 )0.320 ( $�'�G� �� ?'� �+

)0.308 (+� �4���"+ �'��� � ���" � � . 3��'E�"+ �'/r� � 3��� �'��&" �+� �F' �""�

�'! �+2�" �t 3E+� �� �� ����" � )2.307 ( $��'����� ?�G2�5 )5.981 ( ?'� �+

$ �'�G� ��)4.988 ( P��" �� � � 3��� �,&'"�� $�'��� � ���" � �+� �4���"+ )α ≤

0.05(� � �. �'��&" �F' �"� $ �"'! �'/rF 3E+� �� �� ����" � )59.741 ( �� � � �.�

P��")α ≤ 0.05 .( >��� �'+�� $� ��� �'=� � �'��7 � ���! ��8 � � �F' �.�

�'" & � �'��7 �)�'�78 �(�+� ��� �� � �+' � � �'��7 � ��2�� $ :

���" � #�� � 3�'�'����� 3���"" �&�� �'".� ('��� � 6'6&� �� �.�'/r� �'� (" �'��� �

��'� � � &�" � �� ���� �� ��� �� �'�'������ ����" �)Stepwise Method ( �� � ��

�!�)17 ( D ���'.

/+� $��� �)17( �5� � 7��� A���� � ����� � ���#�(� $�#� ;5���

�&��� �'��'&" �') 35"�&" 35"�&"R R2 �"�&"Sig

�. �&�r� �'��� � ���" � #�� � 3���"" �'=�8�� � � � �/� ��') $��'����� ?�G2��

�'��� � ���" � �+� �4���" �� $�'�G� �� ?'� � �� ( �. �&��� �'�'������ ����" � ��) ����"

���"� $9�� � ����" $ K� � ' � � J��" � � ( ��1��8" � P��" �� �'�'G+7 � �'"5��

� � 0.05).(

Page 113: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

98

β rG� �%��'&" �

�'��'&"β �"�&"G������

' �� � � � � P��"

3��/ � ��'����� ?�G2���

1.779 0.523

0.244 0.059

0.712

0.712

0.501

0.000 0.000

3��/ � ��'����� ?�G2��� �'�G� �� ?'� � �

1.120 0.389 0.310

0.291 0.066 0.086

0.530 0.326

0.762

0.580

0.000 0.000 0.001

3��/ � ��'����� ?�G2��� �'�G� �� ?'� � �

���" � �+� �4���" ��'��� �

1.015 0.345 0.312 0.305

0.284 0.299 0.076 0.102

0.492 0.293 0.241

0.773 0.689

0.000 0.000 0.000

*12�345� 6# 7��� � � 9��� :4���� ����; �, <��.�

("� �!� �� � � )17 ( -�� 2" �" �7' ��'����� ?�G2��� (� ('��')50.1 (% ('��� � ("

(�� $�'�'������ ����" � �� �8�� �)�'�G� �� ?'� � �� $��'����� ?�G2��� ( �" (��7'

-�� 2")58 (% (��) ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2���

�'��� �( #�� 2" �" ���7' )0.698 ( ('�' �.� $�'�'������ ����" � �� �8�� � ('��� � ("

9"� � �� � 6� ' �� � �"�&" (� 4�5'� $�'�'������ ����" � �� �'/r� � �� �&��� -. �'".�

�'��� � ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��� �&�� ('� �".

&�" � �� ���� � �&" (� �'��

Y= B0 + B1X1 + B2X2 + B3X3 +E Y = 1.015+ 0.345(���.(�� =��2��(�) + 0.312 (���� �� =��� �)

+ 0.305( ��� � ����� � &�� 9��#� �) + 0.284

���� �2�" � �'E�" � �� # ��� # �� # �'6 (� � � ��'�� � -. �'���) ?�G2���

���'���� ( 9��� � �'E�" � �� # �'6 � �� �/F�)�'�'������ ����" � ( �� 2"�)0.345 ( ���� %�

Page 114: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

99

)34.5(% ���/ � �2�" � �'E�" � �� # �'6 � (� �"� $)�'�G� �� ?'� � � ( �� # �'6 � �� �/F�

9��� � �'E�" �)�'�'������ ����" � ( �� 2"�)0.312 ( ���� %�)31.2(%(� �"� $ �� # �'6 �

� �/ � �2�" � �'E�" �)�'��� � ���" � �+� �4���" �( �"'! �'�� �"�Beta (� � � ����" �

�'E�"+ P�!� 3��� �,��� $9��� � �'E�" �� �/5/ � �+2�" � 3��'E�" � ('� �' �G �!5& �

��'����� ?�G2���.

� ��� � ��7�� � �5� � 7�� � %)� B� 18��� ��:

& �0� �5� � 7��� & �0� ��� � 7�� �1NHO : �'=�8�� � � � �/� ��' �

�. �&�r� �. �&�r� �'��� � ���" � #�� � ���"" )��'����� ?�G2�� , $�'�G� �� ?'� � �

�'��� � ���" � �+� �4���" � ( �� K� � ����" 6'6&� ��1��8" � �'"5��

'�'G+7 � � � �� �≤ 0.05) α .(

���" � #�� � ���"" �/� ���&" �� ���� �'+�� �� ���� ���� � ��! �'��7 � -. �������

�. �&�r� �. �&�r� �'��� �)��'����� ?�G2�� , ���" � �+� �4���" � $�'�G� �� ?'� � �

�'��� � (�� ����" � �. % �� �'E�" � �&�� (" &� �� �� � �+� �'�'����- ('�� �'� $

�!� �� � � �,�"��' �� � J=��� �)16 (J=��� � -.:

/+� $���)18( & �0� ��� � 7��� ���#�(� $�#� ;5���

7�� � �����D� �

6���������� �

������# �

df

����� 6����

������ �MS

R2

$������#� �

R

$���������(�

F ���#� �

F ��� �

<���� (� �

Sig.

���2 �

�5��#�

3���"" �/��� ���� 3.14 3 3.142 0.312 0.452 26.307 3.96 0.000 >��

Page 115: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

100

rG� � 14.17 76 0.186 ���" � �� �'��� �

K� � ����" L�"�" � 17.31 79

�'��7 ��'" & �

* 7��� � � =9��� :4���� ����; �, <��.�12�345� 6#

�!� �� � � �� # ��� � 3���'� � (" ���'�)18 ( �"'! (�F �. ����" � )26.307 (

�' � � � �,�"'! 3E+� �"'�)3.96( �"'2 � (" ���� ����" � �"'2 � (� �� �'2 � ����2"�� $

��� �+� ��� �� �� �+' � � �'��7 � ���!� �'" & � �'��7 � >�� ?��' �"" $�' � � �" ��'

�. �&�r� �. �&�r� �'��� � ���" � #�� � ���"" �'=�8�� � � � �/�)��'����� ?�G2�� ,

�'��� � ���" � �+� �4���" � $�'�G� �� ?'� � � ( �� K� � ����" 6'6&� ��1��8" �

� � �� �'�'G+7 � �'"5��≤ 0.05) α "( � �'��&" � P��" ��'�� � -. 66� !� $ 3E+� ��

�,�"'!Sig.) 0.000 ( �" � �'��&" � P��" (" �!� �.�5% (� �"� $R2 3E+� )0.312( $

�2�" � �'E�" � �/ �' % � �/�� � � �&' 9��� � �'E�" � �� �'E� � (� ��&' �"" �� 2"� 31.2%.

()� *��+)19( ��.� ��/�$�� ��0�$1� ��2��� ���3�� ��14 56���

���#>, ?@ �A,�>, �� ��>�B6"�*�� ?C�

B D�#>�� E!F�

�A,�>, ���#>, Beta

t���*(� t�#���.� G��*,������ Sig

6,�>,���7��� R2

H��I�� 1.799 0.512 3.513 0.001

�#�$��� �!"�� 0.198 0.151 0.177 9.308 0.195

���!���� %����� 0.231 0.126 0.268 1.840 0.093

������� ����� � � �&'�(� 0.189 0.101 0.231 4.865

1.96

0.026

0.312

*12�345� 6# 7��� � � =9��� :4���� ����; �, <��.�

�!� �� � � ("�)19 ( �'��� � ���" � �+� �4���" �� $�'�G� �� ?'� � � �'E�" �"'! (� ('��'

P��" �� �'=�8�� � � 3� �'��&")0.05( �"'! 3��� �'� $t ('�'E�" � (', ����" �

Page 116: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

101

�"'! (" ����t 3�'�'����� ���"" �'=�8�� � � � ��/� ��� � � �'�' �"" $�' � � �

K� � ����" �� �'��� � ���" �.

����" �� �.�/� �'� (" �'��� � ���" � 3�'�'����� 3���"" �&�� �'".� ('��� �

� � ��'� � � &�" � �� ���� �'+�� � ��� K)Stepwise Regression Method ( �� � ��

�!�)18 (D ���':

/+� $��� �)20(

& �0� ��� � 7��� ����� � ����� � ���#�(� $�#� �'��'&" �') 35"�&"

�&��� B %��'&" � rG� �

�'��'&" 35"�&"Beta

R G������ �"�&"

R2 �"�&" ' �� �

Sig � � � P��"

3��/ � �'�G� �� ?'� � �

2.228 0.523

0.376 0.091

0.391

0.391

0.153

0.000 0.000

3��/ � �'�G� �� ?'� � �

���" � �+� �4���" ��'��� �

1.316 0.334 0.296

0.424 0.113 0.122

0.348 0.288

0.324

0.306

0.000 0.000 0.010

*12�345� 6# 7��� � � =9��� :4���� ����; �, <��.�

�!� �� � � ("�)20 ( -�� 2" �" �7' �'�G� �� ?'� � � (� ('��')15.3 (% ('��� � ("

(�� $K� � ����" �8�� �)�'��� � ���" � �+� �4���" �� $�'�G� �� ?'� � � ( �" �7'

-�� 2")30.6 (% ����" �� �8�� � ('��� � ("$K� � ?�G2��� &� �'/�� ��� � ��

�� ���� � �&" (" @�� ���� �'/r� � �� ��'�����. �� �'/r� � �� (' &� � ('. �'".� ('�' �.�

�'�G� �� ?'� � � % &� ('� �" 9"� � �� � 6� ' �� � �"�&" (� 4�5'� $K� � ����"

�'��� � ���" � �+� �4���" �.

��� � 7�� � �5� � 7��� ��8 �

Page 117: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

102

2 – HO : ���" � #�� � �'�'����� 3���"" �'=�8�� � � � �/� ��' �

�. �&�r� �'��� �)�'��� � ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2�� ( ��

�� 9�� � ����" 6'6&�1��8" � � � �� �'�'G+7 � �� �'"5�� ≤ 0.05) α.(

�'�'����� 3���"" �/� ���&" �� ���� �'+�� �� ���� ���� � ��! �'��7 � -. �������

�. �&�r� �'��� � ���" � #�� �) ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��

�'��� � ( �'�'������ ����" � �. % �� �'E�" � �&�� (" &� �� �� ('�� �'� $# � �+�

�!� �� � � �,�"��' �� � J=��� �)21 (J=��� � -.:

()� *��+)21(

���� ��� ا� ��� ا�� ����� ����� ا����ار

��� � ا���ر ���� ا

�ع � � #"�ت� ا

درج�ت ی�� ا

df

'(����ع � � #"�ت �ا

MS

R2

���"� ا���ی�

R

���"� ا�ر�*�ط

F �#�+�� ا

F �� ا �و

�ى �+���� ا

Sig.

ار. ا

1ح���/

4.127 3 4.127 ا�� �ار

0.138 76 10.495 ا����

ا�� ���ر��ت ا���ارد

�ا�#"�! �$�� 79 14.622 ا��)��ع ��و� ا�%

0.327 0.531 19.333 3.96 0.000 ر�(

ا�,�+* ا�-��*

* 81/ 9�:�; <=���� ���/' >% *��?�@6�A=B� ��1C���

�!� �� � � �� # ��� � 3���'� � (" ���'�)21 ( �"'! (�F �. ����" � )19.333 (

�' � � � �,�"'! 3E+� �"'�)3.96( �'��7 � -. ������ �� �,' � �8�� � �� �� � �'2 � ����2"�� $

Page 118: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

103

�'��7 � >�� ?��' �"" $�' � � � �"'2 � (" ���� ����" � �"'2 � (� ('��' ���!� �'" & �

��� �+� ��� �� �� �+' � � �'��7 �" #�� � �'�'����� 3���"" �'=�8�� � � � �/� ��'

�. �&�r� �'��� � ���" �) ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��

�'��� � ( �� 9�� � ����" 6'6&� ��1��8" �� �'�'G+7 � �� �'"5�� � � � ≤ 0.05)

α".( �"'! - ��� �" �.� $Sig.�E �� � )0.000 ( (" �!� �,�� �'�5% (� �"� $R2 3E+�

)0.327(�2�" � �'E�" � K'�G� �� �''E� � � � �&' 9��� � �'E�" � �� �'E� � (� ��&' �"" $.

()� *��+)22(����D�� ��/�$�� ��0�$1� ��2��� ���3�� ��14 56���

���#>, ?@ �A,�>, >��6"�*�� ?C��� ��

B D�#>�� E!F�

���#>, �A,�>,Beta

t ���*(�

t �#���.�

������ G��*, Sig

6,�>,���7��� R

2

H��I�� 1.277 0.45 2.238 0.004

�#�$��� �!"�� 0.288 0.129 0.280 2.238 0.028

���!���� %����� 0.309 0.135 0.322 2.283 0.025

������� ����� � � �&'�(� 0.002 0.107 0.002 0.014

1.99

0.989

0.352

*9��� :4���� ����; �, <��.�12�345� 6# 7��� � �

�!� �� � � ("�)22 ( H�'=�8�� � � $�'�G� �� ?'� � �� $��'����� ?�G2��� �'! (� ('��'

�'��&" P��" ��)0.05(� $ 3��� �'t �"'! (" ���� ('�'E�" � ('. (" �� ����" � t

�&�� �'".� ('��� � $9�� � ����" �� �", �'=�8�� � � � H��/� D ��. (� 3�/' �"" $�' � � �

�� ���� �'+�� � ��� 9�� � ����" �� �.�'/r� �� �'��� � ���" � 3�'�'����� 3���""

��'� � � &�" �)Stepwise Regression Method ( �!� �� � ��)23 ( D ���':

()� *��?�)23( ����D�� ��/�$�� ��0�$1� @E����� ��2��� ���3�� ��14

���#>, ?@ �A,�>,

��>�J� B D�#>�� E!F�

���#>, �A,�>,Beta

R 6,�>,K�����

R2 6,�>,

���7��� Sig

������ G��*,

Page 119: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

104

��I��H ���!���� %�����

2.228 0.523

0.376 0.091

0.331

0.391

0.271

0.000 0.000

H��I�� ���!���� %����� �#�$��� �!"���

1.316 0.334 0.035

0.424 0.113 0.122

0.348 0.288

0.324

0.306

0.003 0.004 0.017

*12�345� 6# 7��� � � 8�9��� :4���� ����; �, <��.�

�!� �� � � ("�)23 ( (� ('��'�'�G� �� ?'� � � -�� 2" �" �7' )27.1 (% ('��� � ("

(�� $9�� � ����" �� �8�� �)�'�G� �� ?'� � �� $$��'����� ?�G2��� ( -�� 2" �" (��7'

)30.6 (% �� �'/r� � �� (' &� � ('. �'".� ('�' �.� $9�� � ����" �� �8�� � ('��� � ("

�" $��'����� ?�G2��� % &� ('� �" 9"� � �� � 6� ' �� � �"�&" (� 4�5'� $9�� � ���

�'�G� �� ?'� � �� . �'��� � ���" � �+� �4���" � &� �/� D��. *' ��� ('� �'+�� � (� �"+�

�'�'������ ����" � ��.

�5� � 7��� 8 �8 � ��� � 7�� �3N HO : ��� ( H (� �) �8�5��#�

������o� ��� � ����� � ,���� ����� )���.(�� =��2��� , &�� 9��#� � `���� �� =��� �

��� � ����� � ( �� ��� � ;��� � ���� ���� ������� � ����� ��� ����� � ��

(� ≤ 0.05)α .(

�� ���� ���� � ��! �'��7 � -. ������� 3���"" �/� ���&" �� ���� �'+��

����" � �. % �� �'E�" � �&�� (" &� �� �� �'��� � ���" � 3�'�'������'�'����A� �+�

�!� �� � � �,�"��' �� � J=��� � ('�� �'� $# �)24 (�' �� � J=��� �:

()� *��?�)24( �D��D�� ��/�$�� ��0�$1� ���3�� ��14 56���

Page 120: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

105

����ا ���ر ���� ا

�ع � � #"�ت� ا

درج�ت ی�� ا

df

'(����ع � � #"�ت �ا

MS

R2

���"� ا���ی�

R

���"� ا�ر�*�ط

F �#�+�� ا

F �� ا �و

�ى �+���� ا

Sig.

ار. ا

1ح���/

9.832 1 9.832 ا�� �ار

0.200 76 15.202 ا����

���ر� ا�� إدارة ا���ارد

1-0!0 ا�#"�! ��و� ا��2%3 77 25.034 ا��)��ع ا�)�!�

0.506 0.627 49.136 3.96 0.000 ر�(

ا�,�+* ا�-��*

*� ا�)�ول �@ إ>�اد ا�#�ح? ب�3ء >:; ا�% :*9 ا8ح5�6

�!� �� � � �� # ��� � 3���'� � (" ���'�)24 ( �"'! (�F �. ����" �

)49.136 ( �' � � � �,�"'! 3E+� �"'�)3.96($ ������ �� �,' � �8�� � �� �� � �'2 � ����2"��

>�� �+� D � ' �"" $�' � � � �"'2 � (" ���� ����" � �"'2 � (� ('��' �'��7 � -.

��� �+� ��� �� �� �+' � � �'��7 � ���!� �'" & � �'��7 �" H5��#� H (� �) �8� ���

������o� ��� � ����� � ,���� ����� )�����.(�� =��2� , &�� 9��#� � `���� �� =��� �

��� � ����� � ( �� ��� � ;��� � ���� ���� ������� � ����� ��� ����� � ��

(� ≤ 0.05)α ("� �" �.� $F �"'! - �Sig.�E �� � )0.000 ( (" �!� �,�� �'�5% (� �"� $

R2 3E+� )0.506(� � �'E�" � ��&' �"" $�2�" � �'E�" �� �/r�' 9�� .

()� *��+)25( �D��D�� ��/�$�� ��0�$1� ��2��� ���3�� ��14 56���

���#>, ?@ �A,�>, 6"�*�� ?C��� ��>�B

B D�#>�� E!F�

���#>, �A,�>,Beta

t���*(� t�#���.� G��*,������ Sig

6,�>,���7��� R

2

H��I�� 0.884 0.487 1.814 0.074

�#�$��� �!"�� 0.314 0.144 0.234 2.182 0.032

���!���� %����� 0.150 0.097 0.160 7.633 0.042

����� � � �&'�(�0.630 0.120 0.607 5.267

1.99

0.000

0.527

Page 121: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

106

������� *12�345� 6# 7��� � � =9��� :4���� ����; �, <��.�

�� � � ("� �!�)25 ( �+� 4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��� �'! (� ('��'

�'��&" P��" �� H�'=�8�� � � �'��� � ���" �)0.05( 3��� �'� $t �&��� �� ����" �

�"'! (" ����t 3�'�'����� 3���"" �'=�8�� � � � H��/� D ��. (� 3�/' �"" $�' � � �

���" � ���" � 3�'�'����� 3���"" �&�� �'".� ('��� � $ ' � � J��" � ����" �� �'��� �

��'� � � &�" � �� ���� ?�+� �� ��� �� ' � � J��" � ����" �� �.�'/r� �'� (" �'��� �

)Stepwise Regression Method ( �!� �� � ��)26 (D ���' :

()� *��?�)26( �D��D�� ��/�$�� ��0�$1� @E����� ��2��� ���3�� ��14

���#>, ?@ �A,�>,

��>�J� B D�#>�� E!F�

�A,�>, ���#>,Beta

R K����� 6,�>,

R2 6,�>,

���7��� Sig

������ G��*,

H��I�� ������� ����� � � �&'�(�

1.851 0.139

0.305 0.028

0.671

0.671

0.450

0.001 0.000

H��I�� ������� ����� � � �&'�(� ���!���� %�����

1.793 0.129 0.195

0.587 0.044

0.521

0.521

0.493

0.000 0.000

Page 122: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

107

H��I�� ������� ����� � � �&'�(� ���!���� %����� �#�$��� �!"���

1.316

0.119 0.296 0.301

0.404 0.103 0.112

0.348 0.288 0.324 0.527

0.003 0.004 0.017

*12�345� 6# 7��� � � =9��� :4���� ����; �, <��.�

�!� �� � � ("�)25 ( -�� 2" �" ���7' �2�" � �'E�" � �&�� 9'"� (� ('��')50.6 (% ("

$ ' � � J��" � ����" �� ���"��� �� �8�� � ('��� �. �'".� ('�' �.�- �� �'� (" �&���

' � � J��" � ����" �� �'/r� � .

2 �א�����א�(� �

��� ��3*�א��%�$#��א�%��

;5��� � �+���

����� �

Page 123: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

108

2 �א�����א�(� �

��3*�א��%�$#�������א�%�� �

� � ��! (" �,' � �8�� � �� �� � ��� � J=��� �"�" >�� �87 � �. �� ��' ���

3���'+� � 9"� �'+"� 3"� (� &� ��� � �+��" �/"� �� �� $�,��G �� �� � �+=�� (� ������

�'78� � ?' ��� �� ���� �,+'+��� ������� �. �� �� ��� � #� � �G��� �"65 �

�"'�� $3�'8�� � (" H� � �,'+� ��� J=��� � (" � � � �8�� � �� �'� $�'�������� �+'

J=��� (" ��� � -. ��� 3�7� �" (� >��:

(��:;5��� � �+���

� �� � ��� � �+� 3�'��7 � ������� �'+�� � J=��� �'�+� (�"':

������� � ���D�� � ;5��� $�#�

�'���)�"' � 3��'E�" � �'+�� J=��� �'��) $ #��� � 3��� � $�"+& � �.F" � $�"& �� $*�� �

" ��6�� (�+' �" � � ��� � ��'� ����:

!�� � �D��

��'� �� ��� � � ��� (� *�� � �'E�" ��� � �,' � 3+8�� �� � 3���'� � �'+�� J=��� �'��

%��� 9"��" �. ��'G+7 � 9"��" � (�� � � 9��' D �& � $����� ��� (" �+�� $��� �

� � -. (" �)� �� (� � $4���"� D ��. �,4� �' �'2 � 6���" � �� ���A� �. +2�� �� � �+'+2 � ��

$��� ���� ('G+� �� ��"��� L�G! �� �8�� � ���� � � � ��F' �.� $ ���A� ��� # �'6

Page 124: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

109

� �� �� ���� �� #��" � ��G�� �� ��8� � ��� �+� �'" � � 3���G2 � P��" �+��

�'�� A�� �' �'2 � 6���" � .

���� � �D�

�" �=7 � �� 3��� �,"4&" ����7�" ?�� 3�6�� ��� � ��'� ��"�� (� ��� � -. J=��� �,4�

('�)30�!�� �� ( ('� �" �=7 ��)35– 39�� �� ( ('� �" �'�"& � �=7 �� $)40�/�r� �� (

��� � �&' �" 3�=7 � -. 3+�� !�)90.0 (% ��� � ��'� ���� (" .&�� ��'�� � -. ���

��F"�'�'G+7 � �'"5�� 1��8" � �&" �"�&�� % � 9"��" � �'���� +2� �8�� K2�' �"" $

�� �'�� A� 6���" �1��8" ��'�'G7 � �'"5�� . ��"�.� �+� ����'� ��F" �.�1��8" �

������ (" # �7��� �'� (" ?��� � �=7 ��� ��G��� 3���� �� �'�'G+7 � # ��" � PF� ��

� ����8 � � �' �"� ('G+� �� �'"5�� �'��8" .

���� � $�?� � �D��

� � �"+& � �.F" � �'E�" �'+�� J=��� �,4���E�� (" ����� ��� � *�'�� ��� � # �,� �+"�

��'�� � ��+�� !� $�'���" � �+"� �/ $��� � ��'� ����)81 (%. ��� $��'& � ��� (" -

D5�"� �+� ��F� J=��� �1��8" � ���" �� �'��� � �'"+& � 3���� � �'�'G7 � �'"5��

$� �& � �'+&� � ������ ��'�� ��� ?��� (" ��'G7 � K� � �� �.����� $?��� (" �,��88��

'+&� � L�G! �� �'�'G+7 � 3�&"�� � (" � ����� �+&� � �� ���"��� �+� ��+G � ���� �

� �& � .

Page 125: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

110

,��. � ����� ��� �D��

���� �" (� #��� � 3��� � �'E�" �'+��� �8�� � J=��� � ����)61 (% ��'� ���� ("

(� '6� 3���� � (��+�"' ��� �)11 �� ( -. ������ �" �'2G�" ���&� ?� � -.� $

1��8" ��"& � C���A 3���� � � .

��9� � �"�� � �D��

�� ���� �" (� �7'4� � 6��" � �'E�" �'+��� �8�� � J=��� � ��)58.75 (% ��'� ���� ("

��8�!� ?�� .� �' " 6��" (" �""�" � ��� � 3��� ('� �� ��!�� ��F� (" �. ��� �

(� � � ������� $ ('�=7 � ('��. �+� ��� � 1��8" � �+� �G���� # &�" L��� �,� ��'

��" � �/�� ��!�� ��F� (��' (� �'2G�" ��'�� -.� ��� � �2 � D �� �"�& � #�� �� P

-. �� ('�' " � ("1��8" ��'�'G+7 � �'"5�� 1��8" � �� �'"'4�� � �'"�,+ �&�� .

�� ��� � ����� � ��������� ������� <��������� � ���������� � :

J=��� � �'�� �� ('�' " � 3���8� (� � � ��� � �,' � 3+8�� �� �1��8" � �'"5A�

�'�'G+7 � -. ��� �+� � ' �.� $ �&7��" ��� � �'��� � ���" � #�� � 3�'�'����� *��"�

1��8" � (" �� ��� 9" K7�' �.� $3�'�'������ -. ���"" �'".� ��� �"4���

)2008 ( ��� �� � �� �4��� ��)2009 ( � 3�'� �'� 3�'�'����� 3���"" (� (����

��� 9" �' �� � ��� � J=��� 327�� �"� $3/�� �� � 3�"4�" � �� �&7��" (�� �'��� � ���" �

���2 �)2012 ( ?'� � �� (''&� �� ?�G2��� (" �� �'".�� P��" L�7��� �'� ("

��� � J=��� 327��� $�'�G� �� ��� 9" �' �� � )Walia,2012 ( �'�� �� 3'��� �� ��

Page 126: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

111

3��� �'��� � ���" � 3�'�'����� 3���"" ����� K'�G� (� 3��� � -. 3�'� �'� $��'��.

�' �� ��� �.

�� ���.(�� =��2��(� ������� ����� <��������� ������ � �����

�"" (� � � ��� � J=��� �'�� �� ��'����� ?�G2��� �'�'����� ��1��8" � �'"5��

� 3�2'�� ��� 9" K7�' �" �.� $�&7��" ��� � 3��� �'�'G+7 � �2�)2010 ( ?�G2��� (��

�'+� 3'��� % � D�� � C��� �� �'�� �� �, (�� �'�'������ (''&� �� ( ��� �� ��� � –

���� D��(�'�"� �� ]7�� ��� ���2 � ��� &" 32)2012 ( ��� �)Dizgha,

et..al,2011 ( �� 3'��� �� �1��8" � �� �+"�& � Guilan Province.

(� �,' � �8�� � �� �� � J=��� � �����1��8" � �'�'����� �+� "�&� �'�'G+7 � �'"5��

*�&�' �"� 1'4�� � 3�'+"� �� �'=� ��'� ��'����� ?�G2��� �,�G��� 9!�� �+�

�,��'+"��.

�� ���� �� =��� � ������� ����� <��������� ������ � �����

3��� �'��� � ���" � �� �'�G� �� ?'� � � �'�'����� ���"" � P��" (� � � J=��� � �'��

P��" �+� �&7��"1��8" ��� 9" K7�' �" �.� $�'�'G+7 � �'"5�� 3�8�'� �)2005 (

�'� ��� �'7�8 � �F" � �+� K'�G� �� ( ��� �� 3'��� �� �)%�� �( �=��"� � ��� � $

����,� � L�G! �+� � �� ��� � K��& � �� 3'��� �� �.

(� �,' � �8�� � �� �� � J=��� � (" ���' �"�1��8" � �'�'����� ���� �'�'G+7 � �'"5A�

G� �� ?'� � � $�'�'����A� ����" � 6'6&� �� �=�� � �r� �"4�" � �'+���� #��7� 6'6&� �'�

Page 127: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

112

��� 9" K7�' �.�Benjamin (2010)��� � )Walia,2012 ( �� � 3���� � (� ��� �'�

#� �! (��� #��G�" 1��&"� 3���," �,'74�" ?��� �,'� �'�G� �� ?'� � � ���"" 66&�

� �,�6'" �"� �� �+�����8 � P��" �+� ����� 6��" K2��� �'���� .

������o� �������� ���� � ������� $�# B8�#�� � ������ <����) 1�� � ���� ,

:��� � ����� , ��� � ;��� � ����� ( ������� � B���� �� �����

�&�r� �'�'����A� ����" � (� � � �' �� � ��� � J=��� �'���.)K� � ����" ,9�� � ����"� ,

' � � J��" � ����"� ( ��1��8" � G��"�� �G��" ��� �+� 3��� �'�'G+7 � �'"5��

����)3.37( �" �.� $ � 3��� 9" K7�')Yu, 2012; Kekale, et..al, 2010; Yuan,

et.al, 2010; Voola & Muthaly,2005 . (. (� � � �,&'"� 3���� �� � P��"� ��/� D��

3��� � -. �,�/�� �� � 3���� � �� �7+��" � �. �&��� �'�'������ ����"+ 97��".

���� � ���D����������

1�� � ���� �D��

�� K� � ����" P��" (� � � J=��� � �'��1��8" � 3��� �'�'G+7 � �'"5��

��� G��"�� �G��" �2���" P��"� �)3.64( ��� 1+���� �.� $)Yu, 2012 ( ("

��� J=��� 3��� �'� �'".�� P��" �'�)Yu, 2012 ( 3+8�� 2� $ �'".�� �&7��"

�/���" � 3���� � �� % �'� � ���� � 6'6&� �� �� �'�'������ ����"+ (� � � ��� �

��'8 � K� � P��" �+� �'���� � �� ��� ('8 � . �'��� (� � � J=��� �1��8" � �'"5��

�,!��� �' � �" � � �&��� D (��' !� G��" P��"� K� � ����" �+� 6��� �'�'G+7 �

Page 128: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

113

��'G+7 � K� � �� �,' #� 2 � 1&�� . K� � �' � �" � � �&' D ?� (� ���� � P�'�

K� � D'��� �+� #� �2 � ����" � 1&�� ('G+� �� ���8" � (� ��&' �"" $1��8" �

�� ����" K2�� (� �,���"�� (�� �+"�� � �'!� � ����" � � � &� �8� � ('G+� �� �'"5��

��'������ �,7!�" 6'6&� �8�7 � �,'G&' �"" ���� ���� K� �.

:��� � ���� �D��

(� � � ��� � J=��� �'��1��8" ��"� ��,� �'�'G+7 � �'"5�� �� 9�� � ���

-� ! ���� G��"�� �G��" ��� � �," 2� �� � 3����" �)3.06( ?� (� ���� � P�'� $

(� � � �&' ! D 1��8" � �,G����� ?�� # � �" 3���'� �,"�"� ('G+� �� �'"5��

�"� $ �,'+� 3"�! �� � *�� �') �� 3���" ��� � �, C�" � � �� �"5�� &� �� ��

1��8" ��'���� � . 6'��� (� �"�1��8" � (" �,"��' ! �'"5�� �&'�� � � ��" �+�

�,'+� 3'�� ���� *��� K7�� � �� � 35"�&" � �� ��� � . J=���� ��� � J=��� 327���

��� )Voola & Muthaly,2005 ( �&7��" �,�=��� 3��� #�'��� ��� � (� �.

(� ���� � P�'� (� � � �&' ! D ?�1��8" � �,"�"� ('G+� �� �'"5��

�') �� 3���" ��� � �, C�" � � �� �"5�� &� �� �,G����� ?�� # � �" 3���'�

�� �"� $ �,'+� 3"�! �� � *�� 1��8" ��'���� � . 6'��� (� �"�1��8" � � ��" �+�

��� � (" �,"��' ! �'"5�� �&'�� ��,'+� 3'�� ���� *��� K7�� � �� � 35"�&" � �� .

Page 129: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

114

��� � ;��� � ���� �D��

(� � � ��� � J=��� �'��1��8" � ' � � J��" � ����"� ��,� �'�'G+7 � �'"5A�

-, �'".�� P��" (� � � �," 2� �� � 3����" � �� �'��� �' �'� 3�� ��" K'2�� � � �&��

����" � -� ! ���� G��"�� �G��" ��� � 3��� )3.42(� !� �. $37+�� ��'�� � -.

(" �� ��� 9" �&7��" ��� � (� �)Yuan, et..al, 2010 ( 9" 327��� ��� )Kekale,

et,al., 2010 ( ��� �)Yu, 2012 ( ��� �) $(���<� $���2013 ( ��� �) *'� �

$�� �E ��2013 ( ��� �) ���E � $2011 ( ����" �'".� � � 3���� 3��� � -. 9'"��

(" �.�')� ����� � 6��" �� �'���� �� �������� L� ��� �+� �.�'/r� �� ' � � J��" �

#���" � 3��� � �,�/�� �� � 3��'E�" �.

3����" �� ����" ��'� �'".� �,",7�� �'+& � #�� A� ��� *�&' �. (� ���� � P�'�

��,� 4�7����� (=��6 � 9" �!5� �"�!� G�'� � �' �"� # ' � . (� �+� J=��� � � ��1��8" �

��8�� 3���! D��. (� �"� $�'+�2�" � �,��&!�� ' ��� �,�=��6 ��� P " �"�" ��7� ��2�

� ��8� � �� �� ��"� �+���" �� (��6 � 3�8 � � L�"��� (" �,�q�"� (=��6 � 9" � �&� �+

��' D �� (� � $�,�'��� (��6 �� �"4�" � ('� �2/ � ���� ��� (" �,'� ?)�' �� � # ��" �

�'".�� G��" P��"�.

& �0� �5� � 7�� � ����.� ;5���

����" � 6'6&� �� �'��� � ���" � #�� � 3�'�'����� 3���"" �/� (�'� � � ��� � 3� .

�� �'�'����A�8" �1�� �'=� � �'��7 � 9�� �� 2� D ��� ("� $�'�'G+7 � �'"5A�

Page 130: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

115

��� �+� 38� �� �" ����� � ,���� ��������� ������� 5��#� (� �) �8@ ��� (

������o� ��� �)��� � ����� � &�� 9��#� �� `���� �� =��� �� `���.(�� =��2��� ( ��

�������� ���� � �������� )��� � ;��� � ����� `:��� � ���� `1�� � ���� ( ��

����� � (� <���� ��� ����� � ����� α ≤0.05).".(

3�'�'����� 3���"" �/� ���&" �'��� 3�'��� �5/ �'=� � �'��7 � -. (" L�7� !�

� ����"+ �'��7 � �&��� �+� �. �&��� �'��� � ���" � 3+8�� !� $9��� �'E�"� �'�'�����

�'��� J=��� � � � ��� �:

1. �'��� � ���" � 3�'�'����� 3���"" (� �'=� � �'��7 � ������ J=��� (" ('��

�. �&���)��� � ����� � &�� 9��#� �� `���� �� =��� �� `���.(�� =��2��� ( �/F�

�� ����" � �� ����"� ����'� ����� ��� 3E+� �'� $�. �&��� �'�'����)473R2=0. ( %�

���� �" �7� (� 3�!5& � # �� 3��G��)47.3% ( 9��� � �'E�" � �� �8�� � ('��� � ("

9��� � �'E�" � �+� H��'/r� �+2�" � 3��'E�" � �/�� 3���� $�'�'������ ����" �) ?�G2���

�/ $�'�G� �� ?'� � � �/ $��'������'��� � ���" � �+� �4���" �( �'/r� �"'! 3E+� �'� $

9��� � �'E�" � �� H� �7�" �"'4�� � ��6� ��50.1% � � �'�G� �� ?'� � � �'/r� ����� ��� $

�/�� �"'! 3��8� ��'����� ?�G2���58% �+� �4���" � �'E�" ����� �� ��'��� $

� � �/�� 97��� �'��� � ���" �68.9 % 3"�! �"+� ��� D (" ���� � J���'�1��8" �

3�'+"&� 3"6� �� 3"�!� $��� " *� ("� ��'����� ?�G2���� �'�'G+7 � �'"5��

Page 131: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

116

�� ����'�� �/�� D (�� � ��� � -. �+� 34���� �'��� � �.� ��� �'�G� �� ?'� � �

-. �� �'�'������ ����" � 6'6&�1��8" �.

2. ('�� 3�'�'����� 3���"" (� �'=� � �'��7+ � ��� �'��7 � �'��7 � ������ J=��� ("

�. �&��� �'��� � ���" �) ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��

�'��� � ( ��� 3E+� �'� $K� � ����" �� �/� �, )R2=3.12% ( ���"" 3��G�� %�

��" � 3�'�'����� ���� �" �7� (� �'��� � �)31.2 (% �'E�" � �� �8�� � ('��� � ("

9��� � �'E�" � �� H��'/r� �+2�" � 3��'E�" � �/�� 3���� $K� � ����" 9��� �) ?'� � �

9��� � �'E�" � �� �'�G� �� ?'� � � �'/r� �"'! 3E+� �'� $ $�'�G� ��15.3% ��� $

� �+� �4���" � �'E�" ����� ��8� �'/r� � ��� 3&7��� �'��� � ���" 30.6 % J���'�

3"�! �"+� (� D (" ���� �1��8" � �4���" �� �'�G� �� ?'� � �� �'�'G+7 � �'"5��

K� � ����" �� �/�� D (�� �'��� � �. ���" �+� .

3. (� �'=� � �'��7+ �'��/ � �'��7 � �'��7 � ������ J=��� (" ('�� 3�'�'����� 3���""

�. �&��� �'��� � ���" �) ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��

�'��� � ( ��� 3E+� �'� $9�� � ����" �� �/� �, )R2=0.327 ( 3���"" 3��G�� %�

�. �&��� �'��� � ���" � 3�'�'�����)�'�G� �� ?'� � �� $��'����� ?�G2�� �4���" �� $

�'��� � ���" � �+�( ���� �" �7� (�)32.7 (% 9��� � �'E�" � �� �8�� � ('��� � ("

9��� � �'E�" � �� H��'/r� �+2�" � 3��'E�" � �/�� 3���� $ 9�� � ����") $�'�G� �� ?'� � �

��'����� ?�G2����( � �� H� �7�" �'�G� �� ?'� � � �'/r� �"'! 3E+� �'� $ 9��� � �'E�"

Page 132: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

117

27.1% �/�� �"'! ��8� �'�G� �� ?'� � � � � ��'����� ?�G2��� �'/r� ����� ��� $

30.6% 3���� �� 3���," � 6'6&� �� ?'� � � �� �� ��� (" �� �'".� �&' ! �.� $

�' ���� ��'����� ?�G2��� 3�'+"& D �� 9�� �� ����" � 3�'+"& �"65 � 1��&" �� K2

�G��� �� �'��� � ���" � # ��1��8" ��,��'+"�� .

3�'�'����� 3���"" (� �'=� � �'��7+ �/ �/ � �'��7 � �'��7 � ������ J=��� (" ('��

�. �&��� �'��� � ���" �) ���" � �+� �4���" �� $�'�G� �� ?'� � �� $��'����� ?�G2��

�'��� � (� J��" � ����" �� �/� �, ��� 3E+� �'� $ ' � )R2=0.506 ( 3��G�� %�

�" �7� (�� ' � � J��" � ����" �� �/� �, (��' (� �'��� � ���" � 3�'�'����� 3���""

����)50.6 (% �/�� 3���� ' � � J��" � ����" 9��� � �'E�" � �� �8�� � ('��� � ("

9��� � �'E�" � �+� H��'/r� �+2�" � 3��'E�" �) �'��� � ���" � �+� �4���" �( �"'! 3E+� �'� $

9��� � �'E�"� ' � � J��" � ����" �� �'��� � ���" � �+� �4���" � �'/r�45% ����� ��� $

� � �'/r� � �"'! 3&7��� �'�G� �� ?'� � � �'E�"0.493 ?�G2��� �'E�" ����� �� ��'��� $

� � �'/r� � �"�&" 97��� ��'����� 0.527 3���"" �&�� �'".� P " �+� � ' �.�

' � � J��" � ����" �� �/5/ � �. �&��� �'��� � ���" � 3�'�'����� .

����� �

�+' �"�� 3�'8�� � (" � � � ���� � �8��:

Page 133: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

118

1] ���� � �8�'1��8" � 3���"" K'�G�� ����� ���"���� �'�'G+7 � �'"5��

���" � #�� � ����" � �� K'�G� � �, %�! �'/r� (" ��� � -. ����/� �" D � $�'��� �

-. �� �7+��" � �. �&��� �'�'������1��8" �.

2] �"�� (�1��8" � ����" � 6'6&� 3�' � �'�G� �+� �"& �� �'�'G+7 � �'"5��

��'G+7 � K� � 3��+G�"� 3���� *�&' �"� �,'� �'�'������ -. �� 1��8" �.

3] 6��� (� 1��8" � ��� ���� � 3�'�'����� �'��� �� �+� �'�'G+7 � �'"5��

����" � -. K'2�� 3��+G�"� K� � ����" �.6'6&� �5� (" K� �.

4] �&� (�1��8" � ��� 9�� � ����" 6'6&� �� ���"���� �'�'G+7 � �'"5��

+"& � P��" �+� 3��� 3�!5� G�'� � �' �"� ' � � 3����" � ��� �� K���� �� 3�'

-,� (=��6 �1��8" � � ���"� 1��8" � �'��� �5� (" (=��6 � ?�G2�� �'"5��

�'��8" �� �' �" � 3�" � � (" �,�����.

������ � ���2���

(" �'��� � ���" � 3�'�'����� 3���"" L���" (� ���� � 2�&' H5�� $# 2&" � 9'���" �

Pr��� D +� $%�� �� *7� � �+�� $%��7 � ��" � *��� L�"���� �+&� P��� ��+&� �,G����� (�

�,� �'+�2�" ����� 3��� ����� �� ('�)��+ 3�����!�� >&�� ���� ����' (� ���� �

(r� � :

Page 134: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

119

1. � ��" � *�� �'/r� ����� �� � ���� �� 3��� � ����� ���� ��"��� �� � �+� %��7

�, ���� ����� 3����8 � L�G! �� G'� �"�&� �'�'������ ����" �.

2. �"�&� �'�'����A� ����" � 3�!5&� ��"�.�� 3� ���� �� 3��� � (" '6" � �����

3�"4�" � �� ��� �A� D�+ �� K� � ��� ���� � 3�'�'����� ('� �!5& � �� G'�

����'�.

3. �&� 9" �&���� �+2�" 3��'E�� P��� 3��'E�" ������ � �� � ��� � @�"� �'�G�

���+ P��� J=��� ��,4� �� �/� �, (��' ! G'� �'E�"� �'�'����A� ����" �.

Page 135: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

120

:���� � �5�+

'(�@ ::���� ���� � :

N /�" � B��2 �

�'� (��"� �� #��)120.(

�'� #�2� � #��) 275.(

$��8�" (�" �.�G $�� �E �� ² ���8 "�" �=�� $*'� �)2012( $" ��� �� ����� �

��.� � :���@ /����"(�"� $9'6�� �� ���+ �=�� �� $ :( ���.

$��8�" (�" �.�G $�� �E �� ² ���8 "�" �=�� $*'� �)2013( $" ����" � �/� ������

!5& G'�� �'�'�������'�'������ 3����2 � ����� �='� � �r� � � � � : ���

�'� ��� �'��� � �'� �� 9'�8� 3���� �� �'������" $,���� ��� � ��� � +�" � $

33 & � $3.

�"4���, $% ," �'+� )2009($" ��� � ����� � ������� /9� ��2��� <���� �8�!@��

� � 12#� �� �"� � $�� ������ � ,�" #����" �') �'���" � �� $

$1'�� �& $ �G����)2004( $��� � ����� � ,���� : ,������� � ����� �G $2(�"� $: ��

�=��.

��'G+7 � �"5�� D�� �,)2005($ ,�5�� �� H���� � ����. � $ �� ���� � ��� � ��2� �

���� �� 3�#� �� ������ � , ;� ��� ,('G+� ,�20.

���'G+7 � �"5�� D�� $)2006($ ��� � ��2� � , /�� B�1997 /�� &�# 2006.

Page 136: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

121

$ ' "�"$ ?� � ��)2009" ( ����2 � /9�� �������� $.�� ��� � ����� � ,����

����� � " 1 F"+ �4�7�" ��� �� 9�G � K�2� $.

$ 4�7�" $ "�� # ��)2010 "(,���� � ��� � ����� " (�"� :G $ �=�� �� 1$ .

3�8�'� �$ '�� "�" �� $)2005($ " ����� � ,���� ������� ����� ,4��" !�+ ����

�9� >�� B� ���0� �#� � ����?� � �� ���?� � 4��0�� �>�+��� ��� �

B�9�� �" $ �'+& � 3��� + �'��& � (�"� �&"�� ����G�� #����" �') -���� .

$�5G "�" �� $(� "� ���� ² ���8 "�" �=�� $*'� �� ² ("�� � �� '�� $���

)2013( $" ����" ��'�'����A�� 6'6&� �� G'� �'E�"� G �!���A� % �'� � ���� � �

��'� � � ��� ���� � L� �A� �+� : �'�+" � �'�� � G�G� � �+� �'������ ���

'� ��� $���. � ���� � ��� & � $('��� � ��+"" $315.

63�2'�$ �"�" % & ,)2008( ,B���� �� ���(� ����� � , D�"�' � �&"�� , � ��

#����" �') �'���".

$���. "�� $�=��"� �)2010( $" 6��2 � �� ��� � ����� � ���� =��� � ��������� �8@

���"# � " ���� �# :1��� � �� 4���>" � 6��+. $ D��"� � �� �'��& � �'"' ����

#����" �') �'���" � �� $ �8�!��� #�� �� �'+�.

�'�'G+7 � 2� � �G+ ,)2006( ,������ � ����� � B���+$('G+� ;� ��� .

�'�'G+7 � 2� � �G+ ,������ � ����� � B���+ �!� 2 ��& 2002, ;� ��� ,('G+�

Page 137: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

122

�'�' �'� �, $ "�" )2010� ( (���&�" �"�� � /�� B� ��� �D��" ������(� ���� � �8�

������(� ����2 � )�.��� �5� �" #����" �') �'���" � ��$ G��� K�� �$.

(� �"�" $(��8,)2008( ,����(� ����� � $�� � �����@ , 7+' 5'� �&"�� �' ,G2

,�=�� ��

1'�$3�'� ,)1970($ �� � ����� � ���#� , #�.�2 � ,��� �� ����G+ �'� ��A� ���� ,

�1.

$�+', $ "�" *���)2003 " (�������� $.�� ��� � ����� � ,���� " �=�� �� G1.

$;� �� �4�� $ �+� ('� $ ��� � ��)2009( $"#�� � 3���"" 9!�� �'�2� �'��� � ���" �

�' �2 � �&"�� ��=� ��" $����+(�� ���(� /���� ���2 � ��� $ �� 8A� 2 $

� �52] 66.

3�2'��, "�" ���� ,1�' $�2� , )2010( , ���(� ����� � ,���� , G1 , �=�� ��

$ "��$ 3�2'��)2010" (2�� �� (''&� �� ?�G2��� �''�&" K'�G� �� � �� �'���� � #6'" � K'

�'�� – �� ��� �'�"� �� #����+ (���� D��" ������ �� 3�#�� 4�+�� � ���

����(� ���/ � & �$ ���& � +�" �.

�$;� �� ���$ %��6&)2010" (��� � ����� � ,���� �� ������(� �5�9� �" $(�"�

G %��6�' �1.

Page 138: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

123

+�" ' � $- ���& � $�)2007( $" ���� � ��"�� � 4��@ &�� �������� ���� � �8@

� �� � 1�� � �� ���� � ���0�" 3��� � �'+� $#����" �') -����� ����G� $

�'+& � 3��� + �'��& � (�"� �&"�� $�'+& � �' �" �� �'�� A�.

$(�"+ ;� �� (�"+ $���E �)2011( $"��� � H��� � �8@ 6���(� &�� ������(� ���� ��

����� � ��� ��"� � :��" � B��� � ��"�� &�� 2��� ����" �'���" � �� $

(�"� $G��� K�� � �&"�� $#����" �') :( ���.

$ (�"'+$ *��7 �)2011"( �"�& � 3�F" �� �"'4�� � ��� � �� 6'7�� � ��' �/� " ���

/���� 1�������2 �� ����+(� +�"$ 27���� & �$ .

$ �'6$ ���2 �)2012"( B���� � 4���� ��� � ����� � ,���( �������� ������� +��

B��(� �� ��. � ������ � &�� 2��� ���� ���9�� � 4��� &�� ����8��" K�� �

#����" �') �'���" � �� G���.

(���! 1��8" � �� ��� , �!�28 �� 2000 , �!� # �" �2.

�' & � ������ �+�" , �!� # �" �121.

�"�"$(� �"� ,) 1982 ($ ����� ��� � /�"#@� 1�� ��� ���� � $���0� ���� ,

#�.�2 � , ����G+ ���& � ����� �� ,G2 ,�36.

�2 � �� � �� $%��� �� ² �&"� 6'�� $���� � $�)2008( $" K'2�� �� �.�/�� 3�"�+&" � # ��

�'�'������ ����" � :�'��� � �'� �� ����8 3���� �� �'�� '" ��� " $ ���� ���

Page 139: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

124

��� � ������ �� 3�#�� B��� :`����2 �� ����+�� /��� � ���� +�" � )30( $

& �)2 :(57B 76

$(�"/� �+7" $ ����)2007($"��� �8@ ����� � �� B���� � 4��@ &�� =��� � ����

���0� ���� � :B��� � �9� >�� B� ���� ����" � �� $3'� � �� �&"�� $

#����" �') �'���".

Page 140: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

125

�ً� �A :B-ا#� : ا��C6-Dا

Abbott, A. and Banerji, K. (2003), “Strategic Flexibility and Firm Performance: The Case

of US Based Transnational Corporations”, Global Journal of Flexible Systems

Management, Vol. 9, PP:42-66.

Akhtar, Syed; Daniel, R.Z. D I N G, and Gloria L. GE, (2008) , Strategic HER Practices

and their Impact On Company Performance in Chinese Enterprises, Human

Resource Management, Vol. 47, No. 1, Pp. 15–32.

Antonio J. Verdú, José-María Gómez-Gras, (2009), "Measuring the organizational

Responsiveness through Managerial Flexibility", Journal of Organizational

Change Management, Vol.22, No.6, PP:668 - 690

Armstrong, Michael, (2008), Strategic Human Resource Management: A Guide to

action, 4th Edition, Kogan Page, London, P. 11.

Asikhia , Olalekan, (2010) . Market-focused Strategic Flexibility among Nigerian Banks ,

African Journal of Marketing Management Vol. 2, No.2, pp:18-28 .

Bhandari, G. Bliemel, M. Harold, A. and Hassanein, Kh. (2004). “Flexibility in e-

Business Strategy: A Requirement for Success”, Global Journal of flexible

Systems Management, Vol.5, PP: 11-22.

Braglia, M. and Petroni, A. (2000). “Toward a Taxonomy of Search Patterns of

Manufacturing Flexibility in Small and medium-sized firms”, Omega, Vl.28,

PP: 195-213.

Budhwar, P. and Sparrow, P. (2002) An Integrative Framework for Determining Cross-

national Human Resource Management Practices. Human Resource

Management Review, 12: 377–403.

Caliskhan, Esra, N. (2010), The Impact of Strategic Human Resource Management on

Organizational Performance, Journal of Naval Science and Engineering, Vol.

6, No. 2, PP. 100–116.

Das, A. (2001). “Towards theory Building in Manufacturing Flexibility”, International

Journal of Production Research, Vol.39, No.18, PP: 4153-4177.

De Toni, A. D. & Tonchia, S. (2005). “Definitions and Linkages between Operational

and Strategic Flexibilities”, Omega, Vol.33, No.6, PP: 516-525.

Page 141: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

126

Decenzo , David A. and Robins , Stephen P.(1999). “Human Resource Management”,

6th

“ Edition , ( New York , John Wily and Sons ) , Inc.

Dizgha, Morad Rezaee; Alipour, Hamid Reza; Chegini, Mehrdad Goudarzvand; Falahati,

Amene (2011). “Human Capital Characteristics and Organizational

Performance”. Australian Journal of Basic & Applied Sciences;, Vol. 5 Issue

8, p803

Evans, Dr B, (2008). “Director Strategic Policy, Law Enforcement Strategy Division,

Australian Customs Service.

Gomez Mejia, Luis R , Balkin , David B- and Cardy. (1998). “Managing Human

Resource”, Prentice Hall Inc.

Gupta, S.C. (2009) . “Advanced Human Resources Management Strategic

Perspective”, New Delhi, Anc. Books Pvt. Ltd. 2009, P. 239.

Harrigan, K.R. (1985). “Strategic flexibility: a management guide for changing times”,

Lexington, MA: Lexington Books.

Hatch, J. and Zweig, J., (2001), “Strategic Flexibility: The key to Growth”, Ivey Business

Journal, Vol.65, No.4, PP:44.

Hayes, R.H. and Pisano, G.E. (1994), “Beyond World-Class: the New Manufacturing

Strategy”, Harvard Business Review, Vol. 72, PP: 77-86.

Hilhorst, Cocky; Smits, Martin; and Heck, Eric van. (2005). "Strategic Flexibility and IT

Infastructure Investments - Empirical Evidence in Two Case Studies". ECIS

Proceedings. Paper 97. http://aisel.aisnet.org/ecis2005/97.

Huselid, M. A.; S. E. Jackson and R. S. Schuler. (1997.)"Technical and Strategic Human

Resource Management Effectiveness as Determinants of Firm Performance",

Academy of Management Journal, (Vol. 40, No.1, PP.171-188.

Huselid, Mark A., Becker Brian E. (2006), Strategic Human Resources

Management:Where Do We Go From Here ?† , Journal of Management, Vol.

32 No. 6, PP: 898-925.

Inyang, Benjamin James. (2010). “Strategic Human Resource Management (SHRM):

A Paradigm Shift for Achieving Sustained Competitive Advantage in

Organization”. International Bulletin of Business Administration, Issue 7,

PP: 31-51

Page 142: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

127

Johnson, L., K., & Writs,J. J., (2004). "Strategic Intelligence Windows Into A Secret

World: An Anthology", Edited with Introduction: Roxbury Publishing

Company, California, http://www.roxbury.net/: 1-6.

Kara, kaya, F. (2000), “Market Exist and Barriers to Exit: theory and practice”.

Psychology and Marketing, Vol.17, No.8, PP: 651-668.

Kastsuhiko, Shimizu & Hitt, Michael A. (2004). “Strategic flexibility: Organizational

preparedness to reverse ineffective strategic decisions”. Academy of

Management Executive, Vol.18, No.4, PP: 44-59.

Kekale, Tauno; Weerd-Nederhof, Petra De; Visscher, Klaasjan & Bos, Ger, (2010).

“Achieving sustained innovation performance through strategic flexibility of

new product development”, International Journal of Innovation and

Learning, Vol.7, No.4, PP: 377-393.

Li, Y., Liu, Y., Duan, Y. and Li, M. (2008), “Entrepreneurial orientation, strategic

flexibilities and indigenous firm innovation in transitional China”,

International Journal of Technology Management, Vol. 41, No. ½, PP: 223–

246.

Lindgren, Mats & Bandhold, Hans. (2003). “Scenario Planning: The Links Between

Future and Strategy", U.S.A, Palgrave Macmillan.

Lomash, S & Mishram, P. (2003). “Business Policy and Strategic Management", New

Delhi, Vikas Publishing House PVT, Ltd.

Louis .E and Kurts , David , L (1999). Contemporary Business , 9 ed, The Dryden Press

, 295.

Matthyssens, P; Pauwels, P & Vandenbempt, K, (2005), “Strategic flexibility, rigidity

and barriers to the development of absorptive capacity in business markets:

themes and research perspectives”, Industrial Marketing Management,

Vol.34, PP:547–554.

Matthyssens, P; Pauwels, P & Vandenbempt, K, (2005), “Strategic flexibility, rigidity

and barriers to the development of absorptive capacity in business markets:

themes and research perspectives”, Industrial Marketing Management,

Vol.34: 547–554.

Page 143: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

128

Muchinsky , P.M.(1979). “The Use of Reference Reports in Personal Selection : A

review and Evaluation , Journal of Occupational Psychology , Vol. 25, PP:

287-297 .

Narasimhan, R & Das, A, (1999), “An empirical investigation of the contribution of

strategic sourcing to manufacturing flexibilities and performance”, Decision

Sciences, Vol.30, No.3, PP:683 – 718.

Othman, R. B. (1996). "Strategic HRM: Evidence from the Irish Food Industry",

Personnel Review, Vol. 25, No. 1, PP: 40-58.

Parnell, J. (2003). “Five Challenges in Strategy Making”, Advanced Management

Journal, Spring: 15-22

Russell , C.J.Mattson J,Devline S.E. and Atwater , D. (1990). “Predictive validity of Bio

data Items Generated from Retrospective life Experience Essays” , Journal of

Applied Psychology , Vol.75, PP: 569-580 .

Sanchez, R. (1995). “Strategic Flexibility in Product Competition”, Strategic

Management Journal, Vol.16, PP:135-159.

Sekaran, Uma,(2003), “Research methods for Business”, John Wiley &sons U.S.A.

Sethi, Andrea and Sethi, Suresh. (1990). “Flexibility in Manufacturing: A Survey”.

International Journal of Flexible Manufacturing Systems, Vol. 2, pp: 289-

328.

Shahzad, K., S. Bashir, & I.M. Ramay (2008), Impact of HR Practices on Perceived

Performance of University Teachers in Pakistan, International Review of

Business Research Papers, Vol. 4, No. 2, : pp. 302-315.

Shikha N. Khera, (2010), Human Resource Practices and their Impact on Employee

Productivity: A Perceptual Analysis of Private, Public and Foreign Bank

Employees in India, DSM Business Review, Vol. 2, No. 1.PP: 65-85.

Singh, K. (2004). "Impact of HR practices on perceived firm performance in India". Asia

Pacific Journal of Human Resources, Vol. 42, No.3, PP: 301–317.

Voola & Muthaly. (2005). “Strategic Flexibility and Organizational Performance: The

Mediating Effects of Total Market Orientation” ANZMAC 2005 Conference:

Strategic Marketing and Market Orientation.

Page 144: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

129

Walia , kranti , (2012) . “ Impact Of Human Resource Management (HRM) Practices on

Employee Retention”, International Journal of Research in IT &

Management , Vol.8, No.3, PP: 15-22.

Wang, I. -Ming; Shieh, Chich-Jen; Wang, Fu-Jin. (2008). “Effect of Human Capital

Investment on Organizational Performance”, Academic journal article

from Social Behavior and Personality: an international journal, Vol. 36, No.

8. September.

Yonggui, W. and Hing-po, Lo. (2004). “Customer-Focused Performance and its key

Resource-Based Determinations: An Integrated Framework”, Customer

Relationship, Vol.14, PP:34–59.

Yu, Feifei, (2012), “Strategic flexibility, entrepreneurial orientation and firm

performance: Evidence from small and medium-sized business (SMB) in

China”, African Journal of Business Management, Vol. 6, No.4, PP:1711-

1720.

Yuan, Li; Su, Zhongfeng & Liu, Yi, (2010), “Can strategic flexibility help firms profit

from product innovation?”. Technovation, Vol.30, PP: 300–309.

Yuan, Li; Su, Zhongfeng; Liu, Yi & Li, Mingfang. (2011). “Fast adaptation, strategic

flexibility and entrepreneurial roles”, Chinese Management Studies, Vol. 5

No. 3, PP:256-271.

Page 145: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

130

1#�� �

Page 146: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

131

� 1#�)1( �����(�5�>� � �>�����

)���0� $7�� �

�� #�

���� � 1 ,'� ��"��" � �' �� � ��� �� ��'2 �

" �� �������� ���� � ���� �� ������ ��� � ����� � ��������� ������������ � B���� �� �����"

(�'� � � ��� � 1 ,� �'��� 3���"" 6'6&� �� �.�� � �'��� � ���" � 3�'�'��� �� �'�'����A� ����" �1��8" �('G+� �� �'"5A� .

�'��� ��' � ����' ���� � (�� $��+"� ���" �� �'�� � #��� (" �� (�&�"�� �" ��4������� -. ��+"� �" �� ���F�� ' � ��'�� (�'�� �2��" � ������� �=�&�� ���� � $3��2� (" ��

��'2 388� �" �'� (" �.����" ����� � P "� #�27 � ��"� ����" #���� 9�� ('+"<.

Page 147: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

132

$�(� /�2 �: ���D�� � -5��. �

1. *�� �

�� �/��

2. �"& �

30�� � �!� ("30] 34 ��

("35] 39�� 40 �/�r� ��

3. �"+& � �.F" �

� ��+� �!r� 9"��" �'+ *�'�� ���

�'���" -�����

4. #��� � 3��� �

5 �!r� 3��� ("6] 10 3���

("11] 15�� (" �/��16��

5. �7'4� � 6��" �

�' " �! *'=�

Page 148: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

133

���8 � /�2 � :��� � ����� � ��������� �������

��& �� %�� � (�'� ���� � (" #���� �� �� �' �"� K�7��� P " ' �� �' �� � 3�� 3������'��� � ���" � 3�'�'����� 3���"" �r' ������� 3��27 *�'2" � (r� �"+�$

� �� � J'� � � : # �� K���" K���" '��" K���" �') # �� K���" �')

5 4 3 2 1

� ,�2� �

أ��2 آ���

أ��2 � � أ��2 ���ی� أ��2 إ�567

��� � ����� � ��������� ���.(�� =��2��(�

1. ?G2�BB�1��8BB" � �'"5BBA� �'��BB� � ���BB" � �B� �B'��� 3����� 3���," (��+�"' (' � 1=�B4�

#�� ���"," � �'�� A� ?8��" � �E� ���!� �.

2. ���B" � �' B" 9B" 3� �� �� ��!�� ��� " D���' 1��8B" � �B� ('B'&� �� ?�G2�B�� �B� �'��� �

�'"5A�.

3. 3�B"�+&"� 3�B��'� 9B"�� �'"5A� 1��8" � ��,� �BB� �,"� ��BB� >�BBE ('BB'&�+ ('" BB2�" � (BB�

(''&� �� �+��7" �.

4. �B� #�� B� � ��B'&" �+� �'"5A� 1��8" � "�&�('+"�& � ��'���.

5. �G2�BB�� �''�BB&" (BB" �BB� ('+"�BB&+ ('BB'&� �� ? ("B� �B"&+ #� B2 � (��� (� �'"5A� 1��8" �

��� K'��.

Page 149: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

134

���� �� =��� � 6. �! �� �� (�+"�& � 9��' / ��'� � J"���� #�=�

(� �2' � ���20 ��� �� �� ���

7. ���B"+ �B'������ � B&" (" �'�'� � � J"��� � '6��'��� �)" � ��'"�' #6��" � 35"�&(

8. ?'� B� �B"4��" J"��B� �'"5A� 1��8" � "�&� �B"65 � 3���B," � ?�B��� � � ('+"�& � �'�G��

�,

9. �BB��&" � �� ��BB� (BB" �BB'�'� � � J"��BB� � BB'6� �BB'7'4� � �BB'"�� � ��BB� 66BB&' �BB"" �BB,2'�G��

('74�"+

10. '�G� �� ?'� � � J"��� 3 �� � B&" >B7� �B� ��'"5A� 1��8" � �� �7'4� � (��� �

11. ��BB'&" �'"5BBA� 1��8BB" � KBB�G� )ISO ] 10015 ( ('+"�&+ �'�G� �� ?'� � �� K+&�" �

��� � ����� � &�� 9��#� � 12.��7��" �'"5�� 1��8" � �� �"& � (��� � &" &'

13. 1��8" � �� (�+"�& � �&�' ��7 � %���� �'"5���,�'�

14. #6'"�" � �'��� � ���" �� �'"5�� 1��8" � 47����+'�G 3���

15. %� ('+"�& �� �8�� �"�"�.� �'"5A� 1��8" � � �� �"& � �� ��2� � �+� �,&'��� # '�7 � 3�8�8����

�,'

16.�� �+� ('+"�& � �'"5A� 1��8" � 9��� 3�6��A� ('��� � ��� ' ��+ �'�� �.

Page 150: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

135

17. �B4���"+ �B' �" 6���B� �'"5A� 1��8" � ��"��,'74�" �+�

18. �B��� �B� �����B" � � �" �'"5A� 1��8" � 66&��,' ���� ���2/� 3����2 �

3 �8 � /�2 � : �������� ���� � 1�� � ����

19. �"5A� 1�8" � 3��B'E� � 9B" 1'��+ #� 2 � �' K� � �='� ��

20. 9B" 9'�B � �B��7�+ #� 2 � �' �"5A� 1�8" �('���� ('���" � 3�����

21. ��BB�� �BB+� #� BB2 � �"5BBA� 1�8BB" � P BB �BB� 3��BB'E� � 9BB" �BB"�&�+ �BB'+��7� 3�'�'����BB�

K� �

22. ��B�� #� B2 � �"5A� 1�8" � P 3�'�'����B����8" � K� � 3��'E� 9" �"�&�+ �'!����

23. 3��B'E� � �B,���" #� B2 � �"5A� 1�8" � P �B" ?�B� J�B�" � #�B'� #�� �B� �B&!��" � �')

K� �� ('���" � ���7'

��� � ;��� � ���� 24. B' � J�B�" �' B2� #� B2 � �' �"5A� 1�8" �

1' ��� � �!r��

25. # B' � 3�B���" C�BG �+� � �! �"5A� 1�8" ��'8! 3!� �� K� � ��

26. �B�� �B+� # B' � 3����" �"5A� 1�8" � P L� ��� (" �' ��

27. L�B�� 3� # B' � 3�B���" �"5A� 1�8" � P (=��6 � 3��)� ��+' � ��

Page 151: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

136

28. )� �B� # B' � 3����" �"5A� 1�8" � P �B,�+# ���" � 3����"+ �'�G�� ('��

29. J�B�" � �' B2� B�� �/rB�' � ��' 3�" � � ��4� �� �� 5� (" ' � �

:��� � ���� 30. �"5BA� 1�8B" � �B� �'+'E�B� � �B!�G � J �&�

�" � � �+� ?+G � �� �+8�� � 3���� �

31. � � 3�B���" � �' B2� �65B � 3B!� � &' �B� # B' � � >7��" �"5A� 1�8" �

32. �B'���"� ���B' ����8B" �B� ���B���� �"& � ��4��'������ �!�G � �� 9�� �

Page 152: meu.edu.jo · س 2 - The importance level of strategic flexibility within the Palestinian Islamic Banks was high. The importance of each dimension was varied as

137

1#��)2( �"#� 4���o� �5�+�������(�

/+� � /�(�� ���� � =2� � -�.� � $�� � B�"�

1 �. .���'� � ���� � �� ��� � J.��"�"+& � G��� K�� � �&"�� 2 �.�"'&� � "�" �"+� ��� J.��"� 3�"�+&" G��� K�� � �&"�� 3 �.# "��� � ���� ��"�� #�� � ��F" �&"�� 4 . ��'� � '"� ��"�� #�� � G��� K�� � �&"�� 5 . *��� �+� ��"�� #�� � G��� K�� � �&"�� 6 %��� � (�"'+ ���"�� #�� 3'� � �� �&"��


Recommended