Gueddouche Nora

The subject of human capital is one of the modern topics, which interest has recently begun, as writings, studies and research have increased in this field, since human capital contributes to increasing the profits, banking organizations and institutions. Whenever the organizations invest this resource in a good way, they will be able to reach an outstanding performance. This has an impact on the economy and development, as it represents the permanent and controlling resource in the most effective performance, which contributes to the progress of the economies of countries.

         Especially when we are in a new economy that relies on human capital as a basic resource to achieve positive value. the success of institutions, and their superiority, and growth have not been linked, until recently, with material capabilities and natural resources, The current experiences relate to countries that have made giant strides in the areas of industrialization, economic development, and economic institutions that have been able to achieve great performance, all thanks to their dependence on the human factor and their ideas. Where the process of improving and increasing the productivity of these institutions is mainly based on raising the efficiency of the work that is being performed and investment in human capital, is considered the most important in the production process by developing the capabilities and skills of individuals and benefiting from all the knowledge they have, and its reflection on increasing the productivity levels of the establishments