درخت حوزه‌های تخصصی

The purpose of this research is to explore the social media trend in communication in Kuwait by utilizing the technology acceptance model. Social media has been gaining extraordinary adoption in past years that requires further investigation into user’s adoption habits, the various kinds of social media, and its effect on their perceived usefulness and ease of use of social media. The study consists of a total of 250 participants that were asked to complete a questionnaire in a random sample. Important findings indicate that the highest number of participants uses Facebook, and the second highest number of participants use Twitter. In terms of usage habits, the highest number of participants uses social media for chatting and connecting with family and friends. The second highest number of participants uses social media for reading posts. In terms of perceived usefulness, the highest numbers of participants perceive social media as ‘usefulness’, and the second highest numbers of participants feel that ‘social media is faster’. In terms of perceived ease of use the highest numbers of participants feel that social media is an easy way to communicate, and the second highest numbers of participants feel that social media does not require a lot of effort. In terms of gender it has been evident that females feel higher perceived usefulness and perceived ease of use of social media than males. The study bears theoretical and practical implications that show TAM can be successfully applied to examine social media in the context of Kuwait population. Furthermore, results of this study can be further generalized to neighboring GCC countries as they share similar geographic, economic, cultural, and financial factors.

Finance and indebtedness remain major problems for most countries, especially developing countries it therefore requests to stand in front of them to reduce them and prevent their exacerbation, Global rating agencies are a reflection of the urgent need for investors and borrowers to identify factors affecting creditworthiness to bridge the existing information gap. Iraq was approved for the period 2004-2017 using a model (Toda Yamamota Causility) The desire to provide information on the level of risk before lending to the government or financial and banking institutions to assess the solvency and the desire to meet debts to meet current and future financial obligations in a timely manner, and the degree of rating is not an absolute fact, but expect to the current financial situation may err and may infect, However, creditworthiness indicators remain the most important criteria for assessing the likelihood of the borrower not repaying the loan amount. The researcher concluded that the most important variable affecting the sovereign creditworthiness of Iraq is debt service, especially in the short term On the other hand, the availability of liquidity gives great flexibility to Iraq in the payment of its obligations.