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.
Abstract:
Since the railway transport sector is very important in many countries of the world, we have tried through this research to study the production function of this sector and to indicate the level of productivity under which it operates.
It was found through the estimation and analysis of the production function Kub - Duglas that the railway transport sector in Iraq suffers from a decline in the level of productivity, which was reflected in the deterioration of the level of services provided for the transport of passengers and goods. This led to the loss of the sector of importance in supporting the national economy and the reluctance of most passengers an
... Show Moreاستهدفت الدراسة الحالية تحديد طبيعة العلاقة الارتباطية بين التعاطف والسلوك العدواني لدى عينة من طلبة المرحلة المتوسطة. تكونت العينة من طلبة الصف الأول المتوسط بغداد/ تربية الرصافة الثانية من كلا الجنسين، شملت 218 طالباً وطالبة، وطبق مقياس التعاطف، ومقياس السلوك العدواني. وبعد معالجة البيانات، أظهرت النتائج تمتع طلبة الصف الأول المتوسط بالنزعة أو الميل للتعاطف، وتبين أن الإناث أكثر تعاطفاً من الذكور، ومستوى
... Show MoreThe constructivist learning model is one of the models of constructivist theory in learning, as it generally emphasizes the active role of the learner during learning, in addition to that the intellectual and actual participation in the various activities to help students gain the skills of analyzing artistic works. The current research aims to know the effectiveness of the constructivist learning model in the acquisition of the skills of the Institute of Fine Arts for the skills of (technical work analysis). To achieve the goal, the researcher formulated the following hypothesis: There are no statistically significant differences between the average scores of the experimental group students in the skill test for analyzing artworks befor
... Show MoreThe current study aimed to measure the attitudes of female teachers towards the use of digital learning and the degree of possessing their digital education skills. The study sample consisted of (180) workers with disabilities (mental disability، auditory impairment، visual disability، hyperactivity and distraction. To achieve the goals of the study, the transformation measure was used towards digital education for people with disabilities. The study reached the following results: the availability of digital learning skills among workers with disabilities. The study concluded with a series of recommendations including holding Training courses to keep up with the challenges of educational trends and modern technology in this area.
Airlift reactors are widely used in the chemical and biochemical applications as effective contactors for mass and heat transfer. The main advantages of airlift contactor compared with simple bubble column are ease of construction, low shear rate, high capacity, good mixing and liquid circulation without mechanical agitators and circulating pumps.
In this work, growth characteristics of Chlorella vulgaris microalgae were studied in an internal loop airlift photobioreactor for biomass production. The bioreactor operated under batch and semi-continuous culture mode using commercially available 20:20:20+TE NPK fertilizer as nutrients. The experiments were conducted to evaluate the growth rate and biomass productivity of
... Show MorePregnancy pose an additional burden on the body of the mother so as to meet their needs and the needs of the fetus and the body's need to iron increases excessively during pregnancy and iron is an essential element for the formation of hemoglobin blood Either hemoglobin is the key ingredient for red blood cells which carries oxygen to parts of the body, alas, most of the pregnant women begin their pregnancy inadequate stocks of iron in their bodies, which does not cover their need and requirement of the fetus, especially in the second and third trimesters of pregnancy When you reach the mother to the period in which they did not have the adequate amount of iron to produce hemoglobin become the mother was anemic So emerged the problem of
... Show MoreThe Dictionary of Countries by Yaqut al-Hamawi is one of the most important sources that researchers rely on in everything related to geography in knowing the names of places and countries, and the important historical information it contains about different cities and countries
The investment government expenditure is considered the fundamental of enhancing the economic activity as it has become a mean for achieving capital accumulation in all economic sectors, The Iraqi economy is characterized of being yield unilateral depending petroleum revenues as an essential resource of financing government expenditure , as the contribution of petroleum sector in GDP is large in proportions to other economic sectors contribution.
The relationship between investing government expenditure, and non-oil GDP is about to be not existent during the
... Show MoreOne of the most significant elements influencing weather, climate, and the environment is vegetation cover. Normalized Difference Vegetation Index (NDVI) and Normalized Difference Built-up Index (NDBI) over the years 2019–2022 were estimated based on four Landsat 8 TIRS’s images covering Duhok City. Using the radiative transfer model, the city's land surface temperature (LST) during the next four years was calculated. The aim of this study is to compute the temperature at the land's surface (LST) from the years 2019-2022 and understand the link, between LST, NDVI, and NDBI and the capability for mapping by LANDSAT-8 TIRS's. The findings revealed that the NDBI and the NDVI had the strongest correlation with the
... Show MoreThe villa was incredible, summer was hot, and the Mediterranean Sea was so near.
Scil lived happily with her father as they needed no one else. But the visit of a calm and intelligent women caused huge shift in this delightful mess. So, how can this threat be stopped?
This novel displays to the reader a rich study of human soul to implicitly while being supported by short sentences and characterised by persons living in a horrible way and described in very short sentences.Thus, Françoise Sagan’s imagination was enflamed, and so he shaped ethical imagery in the moste wonderful way in the novel Hi, Sadness.
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