Financial Literacy - كتاب المعرفة المالية - الصف 10 - الفصل 1 - المملكة العربية السعودية

📚 صفحة حقوق النشر والإسناد

المفاهيم الأساسية

حقوق النشر (Copyright): الحماية القانونية للمحتوى المطبوع أو الرقمي، حيث لا يمكن إعادة إنتاجه أو توزيعه دون إذن كتابي مسبق من المالك.

خريطة المفاهيم

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صفحة حقوق النشر والإسناد (صفحة 176)

فريق تطوير الكتاب

مديرة البرنامج: شارون جيرفيس

مديرة البرنامج الرئيسية: كلير ميرشانت

فريق المراجعة السعودي

#### الآنسة رزان الشبل

#### الآنسة نهى دغيستاني

#### الآنسة آمنة السالم

إخلاء المسؤولية عن حقوق النشر

الناشر بذل جهداً لتتبع أصحاب الحقوق

سيقوم بتصويب أي سهو أو خطأ

معلومات حقوق النشر

الناشر: Cengage Learning (2023)

جميع الحقوق محفوظة

العلامات التجارية المسجلة

#### "National Geographic"

#### "National Geographic Society"

#### شعار الإطار الأصفر

#### Microsoft Excel

معلومات الاتصال والوصول

طلبات الإذن: cengage.com/permissions

البريد الإلكتروني: permissionrequest@cengage.com

الموقع الإلكتروني: ELTngl.com

المكتب الرئيسي: المملكة المتحدة

رقم الإصدار الطلابي: 978-603-514-025-6

```

نقاط مهمة

• هذه الصفحة هي صفحة قانونية وإدارية، وليست صفحة محتوى تعليمي عن المعرفة المالية.
• تذكر أسماء فريق التطوير والمراجعين السعوديين المساهمين في إعداد الكتاب.
• تؤكد الصفحة على حماية حقوق النشر وضرورة الحصول على إذن مسبق لأي استخدام للمحتوى.
• توفر معلومات الاتصال الرسمية للناشر لأغراض طلبات الإذن أو الاستفسارات.

Program Director: Sharon Jervis Senior Program Manager: Claire Merchant Ministry Program Manager: Anna Missa Lead Project Manager: Jemma Hillyer Project Manager: Gordon Weetman Development Editor: Stefan Wytwyckyj Editor: Shazia Fardous Head of Design and Production: Celia Jones Senior Production Manager: Phillipa Davidson-Blake Designer: Jonathan Bargus Saudi Arabian Review Team: Ms. Razan Alshebel, Ms. Noha Dagheestani, Ms. Aminah Alsalims

The publisher has made every effort to trace and contact copyright holders before publication. If any have been inadvertently overlooked, the publisher will be pleased to rectify any errors or omissions at the earliest opportunity.

Cover Arabsstock.com; 8–9 Hany Musallam/ Shutterstock; 11 © Cengage/photographer Tasneem Alsultan; 18 Arabsstock.com; 26–27 Arabsstock.com; 27 Denys Drozd/Shutterstock, davooda/Shutterstock; 29 Arabsstock.com; 32–33 Vera Kevresan/EyeEm/ Getty Images; 44–45 Arabsstock.com; 47 Arabsstock. com; 50 audiznam260921/Shutterstock; 52 Phovoir/ Shutterstock; 55 Arabsstock.com; 57 Arabsstock.com; 65 Arabsstock.com, Christopher Hall/Shutterstock, alya_haciyeva/Shutterstock; 68 Arabsstock.com, gibustudio/Shutterstock; 78–79 Arabsstock.com; 80 Fierman Much/Shutterstock; 82–83 Africa Studio/ Shutterstock; 86 Arabsstock.com; 89 Arabsstock.com; 91 Arabsstock.com; 95 Arabsstock.com; 100 Arabsstock.com; 114–115 AFZAL KHAN MAHEEN/ Shutterstock; 117 Arabsstock.com; 118 Arabsstock.com; 119 RaulAlmu/Shutterstock, Lerinalnk/Shutterstock; 120 Lerinalnk/Shutterstock, matsabe/Shutterstock, RaulAlmu/Shutterstock, matsabe/Shutterstock; 125 Arabsstock.com; 130 Proststock-studio/Shutterstock; 132 Arabsstock.com; 134 Arabsstock.com; 148–149 Arabsstock.com; 152 Arabsstock.com; 155 Arabsstock. com; 157 Arabsstock.com, MisterEmil/Shutterstock; 159 Jason cox/Shutterstock; 162 Arabsstock.com; 163 ra2 studio/Shutterstock; 165 Arabsstock.com; 167 Arabsstock.com; 97 Used with permission from Microsoft. Microsoft Excel is a trademark of the Microsoft group of companies.

وزارة التعليم 2025 - 1447

ALL RIGHTS RESERVED. No part of this work covered by the copyright herein may be reproduced or distributed in any form or by any means, except as permitted by U.S. copyright law, without the prior written permission of the copyright owner. "National Geographic", "National Geographic Society" and the Yellow Border Design are registered trademarks of the National Geographic Society ® Marcas Registradas

For permission to use material from this text or product, submit all requests online at cengage.com/permissions Further permissions questions can be emailed to permissionrequest@cengage.com

ISBN: 978-603-514-025-6

Cheriton House, North Way, Andover, Hampshire, SP10 5BE United Kingdom

Locate your local office at international.cengage.com/region

Visit National Geographic Learning online at ELTngl.com Visit our corporate website at www.cengage.com

--- SECTION: Financial Literacy --- Program Director: Sharon Jervis Senior Program Manager: Claire Merchant Ministry Program Manager: Anna Missa Lead Project Manager: Jemma Hillyer Project Manager: Gordon Weetman Development Editor: Stefan Wytwyckyj Editor: Shazia Fardous Head of Design and Production: Celia Jones Senior Production Manager: Phillipa Davidson-Blake Designer: Jonathan Bargus Saudi Arabian Review Team: Ms. Razan Alshebel, Ms. Noha Dagheestani, Ms. Aminah Alsalims The publisher has made every effort to trace and contact copyright holders before publication. If any have been inadvertently overlooked, the publisher will be pleased to rectify any errors or omissions at the earliest opportunity. --- SECTION: Credits --- Cover Arabsstock.com; 8–9 Hany Musallam/ Shutterstock; 11 © Cengage/photographer Tasneem Alsultan; 18 Arabsstock.com; 26–27 Arabsstock.com; 27 Denys Drozd/Shutterstock, davooda/Shutterstock; 29 Arabsstock.com; 32–33 Vera Kevresan/EyeEm/ Getty Images; 44–45 Arabsstock.com; 47 Arabsstock. com; 50 audiznam260921/Shutterstock; 52 Phovoir/ Shutterstock; 55 Arabsstock.com; 57 Arabsstock.com; 65 Arabsstock.com, Christopher Hall/Shutterstock, alya_haciyeva/Shutterstock; 68 Arabsstock.com, gibustudio/Shutterstock; 78–79 Arabsstock.com; 80 Fierman Much/Shutterstock; 82–83 Africa Studio/ Shutterstock; 86 Arabsstock.com; 89 Arabsstock.com; 91 Arabsstock.com; 95 Arabsstock.com; 100 Arabsstock.com; 114–115 AFZAL KHAN MAHEEN/ Shutterstock; 117 Arabsstock.com; 118 Arabsstock.com; 119 RaulAlmu/Shutterstock, Lerinalnk/Shutterstock; 120 Lerinalnk/Shutterstock, matsabe/Shutterstock, RaulAlmu/Shutterstock, matsabe/Shutterstock; 125 Arabsstock.com; 130 Proststock-studio/Shutterstock; 132 Arabsstock.com; 134 Arabsstock.com; 148–149 Arabsstock.com; 152 Arabsstock.com; 155 Arabsstock. com; 157 Arabsstock.com, MisterEmil/Shutterstock; 159 Jason cox/Shutterstock; 162 Arabsstock.com; 163 ra2 studio/Shutterstock; 165 Arabsstock.com; 167 Arabsstock.com; 97 Used with permission from Microsoft. Microsoft Excel is a trademark of the Microsoft group of companies. وزارة التعليم 2025 - 1447 --- SECTION: © 2023 Cengage Learning, Inc. --- ALL RIGHTS RESERVED. No part of this work covered by the copyright herein may be reproduced or distributed in any form or by any means, except as permitted by U.S. copyright law, without the prior written permission of the copyright owner. "National Geographic", "National Geographic Society" and the Yellow Border Design are registered trademarks of the National Geographic Society ® Marcas Registradas For permission to use material from this text or product, submit all requests online at cengage.com/permissions Further permissions questions can be emailed to permissionrequest@cengage.com --- SECTION: Student Edition: --- ISBN: 978-603-514-025-6 --- SECTION: National Geographic Learning --- Cheriton House, North Way, Andover, Hampshire, SP10 5BE United Kingdom Locate your local office at international.cengage.com/region Visit National Geographic Learning online at ELTngl.com Visit our corporate website at www.cengage.com