عد الرقابة الإشرافية احد اهم الأدوات التي تستخدمها البنوك المركزية في تقييم التزام المصارف بالمتطلبات التنظيمية والقوانين الصادرة منها وتستخدم البنوك المركزية عدة مؤشرات مالية منها مؤشر السيولة المصرفية لتقييم أداء المصارف تجاه حماية أموال المودعين وحماية المصارف من خطر نقص السيولة ومن ثم التعرض للإفلاس، لذا اقتضت الضرورة إلى دراسة مؤشر السيولة المصرفية الذي يستخدم كأحد أدوات الرقابة الإشرافية من قبل البنك المركزي العراقي عند تقييم أداء المصارف المتخصصة، خلصت مشكلة البحث في إن استخدام مؤشر السيولة المصرفية في تقييم أداء المصارف المتخصصة يؤثر بشكل عكسي في إمكانية تحقيقها لأهدافها التنموية لأنه يؤدي إلى تعطيل جزء من الموارد الذاتية التي تعتمد عليها في تقديم الائتمان التنموي، والتي تختلف عن مصادر أموال المصارف التجارية التي تعتمد بشكل أساس على أموال الودائع، الأمر الذي يؤدي إلى توفير معلومات غير صحيحة عن تقييم أداء هذه المصارف، ولإثبات هذه المشكلة استند البحث إلى الفرضية التي أشارت إلى إن الالتزام بمؤشر السيولة المصرفية يؤثر بشكل سلبي في تحقيق المصارف المتخصصة لأهدافها التنموية، يهدف البحث إلى التعرف على مؤشر السيولة المصرفية وكذلك الأساليب المتبعة في الرقابة الإشرافية من قبل البنك المركزي العراقي،، ولإثبات فرضية البحث قام الباحث بتقييم أداء المصارف المتخصصة بمؤشر السيولة المصرفية باعتماد المنهج التحليلي والكمي في الجانب التطبيقي، ومن ثم تحليل تلك النتائج ومعرفة أثرها في إمكانية تحقيق الأهداف التنموية للمصارف المتخصصة، وتوصل البحث إلى جملة من الاستنتاجات أهمها إن مؤشر السيولة المصرفية لا يتلاءم مع طبيعة وأهداف المصارف المتخصصة ويعيق بشكل بالغ إمكانية تحقيقها لأهدافها التنموية التي تسعى لها وهي تنمية القطاعات الثلاث (القطاع الزراعي والصناعي والعقاري)، ومن ثم أوصى البحث بمجموعة من التوصيات التي يقتضي الأمر إن تأخذ بها الجهات المعنية بإجراء تقييم الأداء عند تقييم الأداء للمصارف المتخصصة.
Marriage outside the court is a manifestation of the oppression that women are subjected to in Iraq its seriousness comes out of the consequences that it leads to The. It overlooks the age of the girl and her marriage in younger age or coerced to marry as it leads to neglecting the affordability of marital relationship as long as the marriage does not have any legal or material consequences. The present study aims to detect Characteristics of both wives, husbands and families Who agree to marry her daughters outside the court. And the reasons that lead them to marry outside the courts. It also aims to provide information on the circumstances of marriage and reasons for refusing to ratify it in court. The study was based on the sample soc
... Show MoreAfter completing the research, with the help and success of God Almighty , I will summarize what has been mentioned in a concise and understandable form, without boring prolongation or abbreviation .
The subject, in general, was clarified, clarified and corrected, as I mentioned, for an incorrect concept, about paying zakat on trade goods.
It has known trade offers parts and combination of language and idiomatic .
The rule of zakat on trade goods, and evidence from the Qur'an, Sunnah and consensus .
As well as the conditions of its zakat according to the jurists and their differences in it .
It
... Show MoreVocational education is the basis of contemporary educational movement that aims at satisfying human needs. Societies can develop their human resources via setting programs for the working class as an aspect of the comprehensive national development. Vocational education is the main source of technical cadres the Iraqi labor market requires of the vocational preparatory schools to provide after three years of schooling.
The vocational schools of the governorate of Basra have a number of problems that lead to the lack of proficiency of their graduates. This study is an attempt to identify these problems or obstacles
... Show MoreThe current study aims at investigating the effect of cooperative learning (Jigsaw) on motivation of female students. Department of kindergarten to learn Human biology. This is of be dove through verification of the hypothesis that there is no significant difference at the 0.05 level between the motivation of experiment of group subjects who study according to (Jigsaw) cooperative learning and that of the control group subjects who study traditionally.
The study is limited to female students al the first year-Department of kindergarten college of Education for women university of Baghdad during the academic year 2007-2008.
An experiment of design of partial control and post-test for two groups is used. The experiment groups consist
The study aims at:
1- Identifying the contemporary educational approaches in teaching arts.
2- The effectiveness of using the visual thinking strategy in photography subject for the first year students in the institute of fine arts/Holy city of Kadhimiyah.
The study sample is made of (30 ) first year students (in the institute of fine arts/in Holy city of Kadhimiyah) distributed into two groups, an experimental group made of (15) students and a control group having the same number of students in order to conduct the test. The test for the visual thinking strategy in the subject of photography has been designed and the validity and reliability for the research tool have been verified. In order to demonstrate the results of the
Recent research looking for acknowledgment of strategically influence of Robinson and self question at progressing the reading comprehension for students of sixth class .
To achieve research goal so the researcher mentally chose primary sixth class at the school (Tashti the primary) that followed education directorate of province (Jamjamal)/Suliymania for the scholastic year 2012-2013 as application field for their experiment of boys' number reached to (95) (female and male)students in reality (32) of the first experimental group and (31) student (female and male) from controlled group, the researcher rewarded between of three variable groups (timing period, intelligence ,Kurdish language degr
... Show Moreعلى الرغم من تطور الدراسات التاريخية الخاصة بالمرأة بوصفها حقل معرفي مستقل بدأ منذ نهاية الستينيات من القرن الماضي .ونجاج الكاتبات والباحثات في العديد من بلدان الشرق الاوسط وشمال افريقيا في إعادة المرأة الى التاريخ، الا ان الكتابة التاريخية في العراق مازالت تعاني من نقص كبير في الموضوعات التي تناولت حياة النساء في الماضي. وما يزال الباحثات والباحثين ينظرون الى التاريخ على انه سردية للمعارك والحروب ويو
... Show MoreThe heritage of the human peoples remains a beacon of data, after renewed awareness of them, open to their propositions, which are born from the womb of intertwined elements of customs, knowledge, arts, and literature ... Misleading the reception process, it may be something intriguing to identify with caution with the text sample selected by the current search procedures prepared according to the adoption of a descriptive therapist in a three-dimensional approach, as well as a comprehensive textual reference for that specific communication dimension within Anthology Andalusian - Moroccan poetry in the book of pleasure in the perception of the five senses Tahdib ibn Manzoor (d. 711 e) from the origin of Tivashi (d. 651 e) Tagged: Separat
... Show MoreThe oxidative degradation of Orange G dye by nanosized CeO2 catalyst has been performed in this study. The catalyst was prepared by precipitation method. Various characterization techniques were carried out to study the physical and chemical properties of the synthesized catalyst. The XRD result confirms well the formation of CeO2 cubic phase. The FTIR result showed the effect of calcination temperature for CeO2 was clearly observed due to reduction in band intensity compared to uncalcined Ce nitrate sample. Meanwhile, the diffused reflection spectra recorded reflection spectra at 414 nm with an energy gap of 3.2 ev. The decolorization of Orange G dye by oxidation process were carried out unde
... Show MoreThe language that consists of only twenty-eight letters, but it is so broad that we are unable to understand it from all sides and this expansion is mainly caused by imagination, so Arab imagination, whose language goes in all directions And as it always responds to our ears, ancient critics divide imagination into holistic and partial But the language is not limited to these parts only. Do we wonder, where is the structural method of wishing, hope, questions and other methods of all this? In this paper, we try to show the importance of the method of writing in moving imagination in an interactive way, and what is related to human feelings in most, if not all, of its methods By studying the poetry of the believers in the Ahl al-Bayt, pea
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