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The Impact of Bank Loans on the Real Estate Sector in Iraq
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The real estate prices in the Iraqi market have witnessed a significant increase in the prices of residential units, including land plots and residential buildings, especially after the approval of the new exchange rate and the provision of financial loans to employees and citizens. Therefore, real estate loans are considered one of the financing tools in the housing sector, whether these loans are directed towards the construction of new housing or the rehabilitation of existing buildings for housing. The housing market is an important component of the economic and social system, as housing is a commodity that is influenced by supply, demand, and the trade of materials involved in housing unit production. The housing system is also linked to the political system of the state, as housing policy is part of the state's overall policy. This influence can be direct, such as increasing housing projects, or indirect, such as reducing or prohibiting imports of construction materials like cement and iron if domestic production is insufficient to meet the needs. Additionally, the social system has a significant and direct impact on the housing system. The social system in Iraqi society is influenced by the type of family system and changes in the type of family and the stability of new families in independent homes, after previously residing in multi-story or horizontally extended dwellings with separate parts for each family's privacy and shared areas for all residents. All of these factors have led to changes in the housing system in the country. The importance of research lies in the role of bank loans, including real estate loans, in revitalizing the housing sector and addressing the housing problem in Iraq, given the financing challenges and the need for funding infrastructure projects and residential complexes. Iraq faces major challenges and problems related to the housing sector and the scarcity of residential complexes due to population growth rates, as well as challenges in the field of financing and bank loans that can contribute to strengthening the housing sector. Banking loans, including real estate loans, play a role in the development of the housing sector in Iraq. The research aims to shed light on the features of the housing sector in Iraq and the contribution of banking loans in financing the housing sector, as well as the initiatives of the Central Bank of Iraq and real estate loans in promoting the housing sector

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Publication Date
Fri Dec 01 2023
Journal Name
Tropical Journal Of Natural Product Research
Investigating the Impact of Phenolic and Terpene Fractions extracted from Prunus arabica on p53 Protein Expression in AMJ13 and SK-GT-4 Human Cancer Cell Lines
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Publication Date
Mon Jun 01 2020
Journal Name
Iop Conference Series: Materials Science And Engineering
“Impact of culvature and magnetic force on waveform transition of Pseudo plastic fluid in flexible channel”
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Abstract<p>Waveform transport of Pseudo plastic fluid in complaint symmetric channel with culvature properties has designed. The efforts of magnetic force, which has applied by radiate direction in the analysis, is considered by using the influence of Hartmann number. Walls properties with slip conditions on velocity distribution as well as stream function are used. The analysis of" heat and mass transfer" has taken into account. More popularized factual constraints known by the convective conditions are applied. The partial differential equations of motion, temperature and concentration is reduced under the simulation of low quantity of wave number and Reynolds number and then transformed to or</p> ... Show More
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Publication Date
Thu Apr 18 2019
Journal Name
Iraqi Journal Of Science
Impact of Nano-Gel of titanium dioxide Additive on Base Oil Properties Produced in Iraqi Refineries
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The researchers are doing their best to find the best methods and techniques to improve the lubricating oils specifications. In addition to trying to produce environmentally friendly and low cost lubricating oils In the present research a Nano-gel of titanium dioxide have been studied to be added to mineral base oil produced by Al- doura Iraqi refinery at volume percentage of (0.5%, 0.75%, 1%, 1.5%, 2%, and 3%), and investigate its effects on base oil properties as well as its tribological performance. It revealed slight effects on viscosity index and density while an obvious rising in pour point and flash point. Remarkable reduction was in specific wear rate and coefficient of friction results, which import a friction reducing in machin

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Publication Date
Thu Oct 01 2015
Journal Name
Al-academy
When Krochh aesthetic implications and their impact in raising the artistic and aesthetic taste among the students of the Department of Art Education: صلاح رهيف أمير
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The goal of current research to:1 - Know when aesthetic implications (Korchh)2 - To form the structure of systemic indicators and results that reflect the visions of intellectual, philosophical and aesthetic art for this study.The theoretical framework for the study of the search for the meaning of beauty, definition ( Krochh) being a philosopher, his views, his own aesthetic philosophy, knowledge, art and beauty, as well as a subject of artistic and aesthetic taste and Study in Art Education.The goals have been achieved during the search of Investigation theoretical framework for the search, which tried (INT) to form a clear vision check the second goal by the indicators reached.In light of this, the researcher recommended the need for

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Publication Date
Wed Dec 25 2019
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
A Vision to development the Islamic banks that operating under the financial system based on interest: (Iraq Case Study)
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This paper aims to build a modern vision for Islamic banks to ensure sustainability and growth, as well it aims to highlight the positive Iraqi steps in the Islamic banking sector. In order to build this vision, several scientific research approaches were adopted (quantitative, descriptive analytical, descriptive). As for the research community, it was for all the Iraqi private commercial banks, including Islamic banks. The research samples varied according to a diversity of the methods and the data availability. A questionnaire was constructed and conducted, measuring internal and external honesty. 50 questionnaires were distributed to Iraqi academic specialized in Islamic banking. All distributed forms were subject to a thorough analys

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Publication Date
Fri Jun 07 2024
Journal Name
Medicine
Impact of TYMS gene polymorphism on the outcome of methotrexate treatment in a sample of Iraqi rheumatoid arthritis patients – identification of novel single nucleotide polymorphism: Cross-sectional study
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The current work aims to evaluate the association between genetic mutations in thymidylate synthetase (TYMS gene in exon1 and partial regions of promotor and intron 1 [877 bp, 657,220–658,096 bp]) and the therapeutic outcomes for rheumatoid arthritis (RA) Iraqi patients. An observational cross-sectional study involving 95 RA patients with established RA patients based on their methotrexate treatment responsiveness. Genetic sequencing of the TYMS gene was performed for all patients according to the instruction manuals of the sequencing company (Macrogen Inc. Geumchen, South Korea). Four polymorphisms were identified by sequencing 95 randomly selected patients in the noncoding region of TYMS

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Publication Date
Mon Sep 25 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Determination and measuring some of the physical and chemical parameters in the clay of Lake Hamrin, Iraq
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The composition of the clay taken from the lake of Hamrin, Iraq was studied with the determination of the concentrations of the major oxides and the minor oxides in it.   Kaolinite was the most dominant clay in the samples, while quartz was the most abundant non-clay mineral. 

Some physico-chemical parameters in lake's water were determined such as oxygen, a chlorosity, nutrient salts,  pH, total alkalinity, total nitrogen, total phosphorous and silicate.

The effect of increased wastewater and human activities affected the composition of water and lead to a decrease in the productivity of the lake which was reflected by the relatively low pH values (average 8.0) and alkalinity in water as a result of t

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Publication Date
Wed Feb 08 2023
Journal Name
Iraqi Journal Of Science
Heavy Metals Pollution Assessment of the Soil in the Northern Site of East Baghdad Oil Field, Iraq
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Twenty four soil samples were collected from different sites in north sector of East Baghdad oil field, Iraq , and analyzed to assess the impact of urbanization and industrialization essential pollution. The soil samples were analyzed for heavy metals (As, Cd, Cr, Cu, Hg, Ni, Pb, and Zn) by using inductively coupled plasma–mass spectrometry (ICP-MS). Mean concentration of heavy metals in soil samples follows this pattern: Zn > Ni > Cr > Cu >Pb > As> Cd> Hg. The results show significant variations (lower and higher) in the concentrations of heavy metals compared with local and world studies, this variation is attributed to the natural anthropogenic sources. The pollution of studied soil was assessed using many soil

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Publication Date
Thu Feb 28 2019
Journal Name
Iraqi Journal Of Science
Facies Analysis and Sequence Stratigraphy of the Zubair Formation in the Kifl oil field, Central of Iraq
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The Zubair Formation is the most significant sandstone reservoir in Iraq which deposited during the Barremian. The study area is located in the central part of Iraq at the Kifl oil field, in the northern part of the Mesopotamian Zone.

The petrographic study showed that quartz mineral is the main component of the sandstone in Zubair Formation with very low percentage of feldspar and rare rock fragments to classified as quartz arenite sandtone. There are five lithologic changes (lithofacies) that have characterized the studied succession: - well sorted quartz arenite, poorly sorted quartz arenite, poorly sorted graywacke, sandy shale, and shale.  These lithofacieses were deposited in the deltaic environments as three associate

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Publication Date
Sun Dec 02 2012
Journal Name
Baghdad Science Journal
Morphological study of pollen-grains for the wild species of the genus Erysimum L. (Crucifereae) in Iraq
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Pollen grains morphology have been studied for the wild species of the genus Erysimum L. which belong to Crucifereae family in Iraq. These species are E. filifolium Boiss. et Hausskn., E. oleifolium J. Gay, E. repandum L., E. eginense Hausskn. ex Bornm., E. aucheranum J. Gay, E. cheiranthoides L., E. alpestre Ky. ex Boiss., E. kurdicum Boiss. et Hausskn., E. tenellum DC., E. strophades Boiss., E. gladiiferum Boiss. et Hausskn., E. nasturtioides Boiss. et Hausskn. The study was performe by using light microscope . The study reveal that there was only one type of pollen grain named Tricoplate in all studied species . The study also demonstrated that there were differences among pollen grains morphology . The species E. kurdicum , E. alpestre

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