This paper aims to identify the approaches used in assessment the credit applications by Iraqi banks, as well as which approach is most used. It also attempted to link these approaches with reduction of credit default and banks’ efficiency particularly for the Gulf Commercial Bank. The paper found that the Gulf Bank widely relies on the method of Judgment Approach for assessment the credit applications in order to select the best of them with low risk of default. In addition, the paper found that the method of Judgment Approach was very important for the Gulf Bank and it driven in reduction the ratio of credit default as percentage of total credit. However, it is important to say that the adoption of statistical approaches for

     In this research, the Boiti–Leon–Pempinelli (BLP) system was used to understand the physical meaning of exact and solitary traveling wave solutions. To establish modern exact results, considered. In addition, the results obtained were compared with those obtained by using other existing methods, such as the standard hyperbolic tanh function method, and the stability analysis for the results was discussed.

     Unknown subsurface leaking water sources and possible subsurface seepage from a sewage tank in a garden at Al-Khawarizmi engineering college, University of Baghdad, were detected in this study. The 2D electrical resistivity imaging. The ERI survey is carried out along two lines, 60m and 50m long, with an electrode spacing of 1 m, forming a cross using the Wenner-Schlumberger array configuration. Line 1 is 60m, while line 2 is 50m. Soil samples were collected from line 1 at positions of electrode 34, which shows a high resistivity value, and electrode 55, which shows low resistivity, for laboratory analysis. Robust inversion and modelling processes showed relative change and high contrast in interpreted resistivities. Soil analy

     Cloud computing describes computer services provided through the internet and includes a wide range of virtualization resources. Because cloud computing is made up of a sizable number of heterogeneous autonomous systems with an adaptable computational architecture, it has been widely adopted by many businesses. The scheduling and management of resource utilization, however, have become more difficult as a result of cloud computing. Task scheduling is crucial, and this procedure must schedule tasks on the  virtual machine while using the least amount of time possible. Utilizing an effective scheduling strategy enhances and expedites cloud computing services. Optimization techniques are used to resolve cloud scheduling problems.

      Data security is an important component of data communication and transmission systems. Its main role is to keep sensitive information safe and integrated from the sender to the receiver. The proposed system aims to secure text messages through two security principles encryption and steganography. The system produced a novel method for encryption using graph theory properties; it formed a graph from a password to generate an encryption key as a weight matrix of that graph and invested the Least Significant Bit (LSB) method for hiding the encrypted message in a colored image within a green component. Practical experiments of (perceptibility, capacity, and robustness) were calculated using similarity measures like PSNR, MSE, and

This work examines the ability of a special type of smart antenna array known as Switched Active Switched Parasitic Antenna (SASPA) to produce a directive and electronically steerable radiation pattern. The SASPA array consists of antenna elements that are switchable between active and parasitic states by using P-Intrinsic-N (PIN) diodes. The active element is the element that is supplied by the radio frequency while short-circuiting the terminals of an element in the array results in a parasitic element. Due to the strong mutual coupling between the elements, a directional radiation pattern with high gain and a small beamwidth can be produced with only one active element operating at a time. By changing the parasitic state to the active

A digital elevation model (DEM) is a digital representation of ground surface
topography or terrain. It can be represented as a raster (a grid of squares) and it is
commonly estimated by utilizing remote sensing techniques, or from land surveying.
In this research a 3D building of Baghdad university campus have been performed
using DEM, where the easting, northing, and elevation of 400 locations have been
obtained by field survey using global positioning system (GPS). The image of the
investigated area has been extracted from QuickBird satellite sensor (with spatial
resolution of 0.6 m). This image has been geo-referenced by selecting ground
control points of the GPS. The rectification is running, using 1st order

Nowadays, the rapid development of multi-media technology and digital images transmission by the Internet leads the digital images to be exposed to several attacks in the transmission process. Therefore, protection of digital images become increasingly important.

 To this end, an image encryption method that adopts Rivest Cipher (RC4) and Deoxyribonucleic Acid (DNA) encoding to increase the secrecy and randomness of the image without affecting its quality is proposed. The Means Square Error (MSE), Peak Signal-to-Noise Ratio (PSNR), Coefficient Correlation (CC) and histogram analysis are used as an evaluation metrics to evaluate the performance of the proposed method. The results indicate that the proposed method is secure ag

A digital elevation model (DEM) is a digital representation of ground surface topography or terrain. It can be represented as a raster (a grid of squares) and it is commonly estimated by utilizing remote sensing techniques, or from land surveying. In this research a 3D building of Baghdad university campus have been performed using DEM, where the easting, northing, and elevation of 400 locations have been obtained by field survey using global positioning system (GPS). The image of the investigated area has been extracted from QuickBird satellite sensor (with spatial resolution of 0.6 m). This image has been geo-referenced by selecting ground control points of the GPS. The rectification is running, using 1st order polynomial transformation.