The aim of the research is to provide an analytical study to promote financial inclusion in Iraq by clarifying the opportunities and challenges of the economic and demographic situation in Iraq, studying the structure of the financial system and introducing non-bank financial institutions operating in Iraq, and using the descriptive approach. Analytical in the study of the phenomenon of research, the research reached a number of conclusions, the most prominent of which were:

• Iraqi society is a young society.
• The majority of the population is 70 percent. They live almost in urban areas.
• The coverage of bank branch networks is concentrated in only four provinces, leaving other provinces outside financial

The current study summarized the construction of a three-dimensional geological model of the Aquitanian sediments age, which represented by the Euphrates and Serikagni formation in Ajeel Oil Field, where Ajeel Oil Field has structural closure towards northwest - southeast. Sedimentary of the current study consist of limestone, dolomitic limestone, dolomite (compose of skeletal grains, non-skeletal grains and cement) and the appearance of some anhydrite rocks.

     The petrographic study of the Euphrates Formation were prepared using a thin section of wells (Aj-1, Aj-4, Aj-5, Aj-6 and Aj-7), Previous studies and geological reports, as well as use well logs data  in the statistical analysis by Petrel softwa

     The biological diversity of Klebsiella pneumoniae (K. pneumoniae) has widely been reported to be associated with pathological progress in severe nosocomial and community-acquired infections. 250 clinical specimens included sputum, urine and swabs from wound and burns samples were collected from Al-Batool Teaching Hospital (38.4%), Baqubah Teaching Hospital (61.6%) and private laboratories in Baqubah and Diyala, Iraq. Positive rates of nosocomial acquired infection were sputum 98%, urine 96%, and swabs from wound and burns 94%, while positive rates of community acquired infection were sputum 60%, urine 60%, and swabs wound and burns 30%. Positive rates of nosocomial and community acquired infections were 96% and 48%, res

The spectrum known represented as a relationship that’s plotted between the magnitudes or energy for a specific parameter vs. its frequency, the wind spectrum is presented as the sum of wind speed created by events divided either in space, in time, or both. This paper presents a wind speed spectrum demonstration in
Ali Al-Gharbi location in Iraq. The aim of the present paper is to analysis the wind speed and direction by employing the FFT (Fast Fourier Transform) therefore field measurement of wind speed and direction were collected for one year from Dec 2014 to Dec 2015 in the time interval of 10 minutes at heights of 10, 30 and 50
meters. From the performance of the FFT it was found that the v

Attention increased to the topic of academic accreditation by the university as a modern philosophy by which to improve its performance and provide high-quality education. Universities and colleges in general and Iraqi universities and colleges in particular have begun interest in accreditation and desire to get it. So starting from the pursuit of the Administration and Economics College / Baghdad University in obtaining accreditation of Association to Advance Collegiate Schools of Business (AACSB) The research is present which aims to determine the level of application (AACSB) International standards at the College of Administration and Economics / Baghdad University in preparation to get its accreditation in the future. Researc

The productivity of oil wells may be improved by determining the value of enhancing well productivity and the likely reasons or sources of formation damage after the well has been recognized as underperforming. Oil well productivity may be improved, but the economics of this gradual improvement may be compromised. It is important to analyze the influence of the skin effect on the recovery of the reserve.    The acid treatment evaluated for the well AD-12, primarily for the zone Mi4;  using a license of Stimpro Stimulation Software to validate the experimental work to the field scale, this software is considered the most comprehensive instrument for planning and monitoring matrix acid treatments and utilizing actual data to provide a far

The productivity of oil wells may be improved by determining the value of enhancing well productivity and the likely reasons or sources of formation damage after the well has been recognized as underperforming. Oil well productivity may be improved, but the economics of this gradual improvement may be compromised. It is important to analyze the influence of the skin effect on the recovery of the reserve.

   The acid treatment evaluated for the well AD-12, primarily for the zone Mi4;  using a license of Stimpro Stimulation Software to validate the experimental work to the field scale, this software is considered the most comprehensive instrument for planning and monitoring matrix acid treatments and utilizing actual data to prov

The research aims to test the correlation relationships between wise leadership, and the business model, and to demonstrate its influence (wise leadership) on the business model. Therefore, two main hypotheses were put forward. The research was applied to a sample consisting of (87) managers and deputy managers, some of them are members on the board of directors of the researched company. The questionnaire was adopted as a basic tool for collecting data, in addition to personal interviews. A number of statistical methods were used to analyze the data and obtain results. The researcher showed a set of results, including: There is a significant correlation between wise leadership and business model. There is an influence of wise leadership on

Citrus fruits are one of the consumer agricultural products of the Iraqi citizen. It is rich in vitamins and usedin many food industries as well as medicines. Classifying the amount of production of citrus treesaccording to the producing governorates has been done to find a map that shows the production of citrustrees according to Iraqi governorates. A cluster analysis method was used according to the hierarchicalmethod. The results showed that Najaf and Qadisiyah are the most similar in citrus production, whileSaladin and Najaf were the two governorates with the furthest distance in proximity matrix. Diyalagovernorate was clustered in the first cluster within two, three, four or five of the clusters for classifyingIraqi governorates covere