Focusing on the negative role of default risk on banks, as it is one of the most important risks facing banks, which are difficult to determine accurately, and its reflection on the indicators of profitability of cash flows. The increasing competition between banks led to an increase in the credit facilities granted by banks, and was accompanied by an increase in exposure to the risks of default, which led to an impact on the level of performance of banks in terms of achieving the required return according to the levels of high competition. Therefore, the problem of this study focused on the extent to which the risk indicators of default affect the profitability indicators of the cash flows of the banks research sample in the profit

The Cu2SiO3 composite has been prepared from the binary compounds (Cu2O, and SiO2) with high purity by solid state reaction. The Cu2SiO3 thin films were deposited at room temperature on glass and Si substrates with thickness 400 nm by pulsed laser deposition method. X-ray analysis showed that the powder of Cu2SiO3 has a polycrystalline structure with monoclinic phase and preferred orientation along (111) direction at 2θ around 38.670o which related to CuO phase. While as deposited and annealed Cu2SiO3 films have amorphous structure. The morphological study revealed that the grains have granular and elliptical shape, with average diameter of 163.63 nm. The electrical properties which represent Hall effect were investigated. Hall coeffici

Background: Fluoridated acrylic resin material can present more stable properties when compared with conventional one.The most widely used fluoride –containing substance added to dental resin materials is sodium fluoride (Naf). This study evaluated the effect of Naf in different concentration to the acrylic resin denture base material and its effect on tensile strength ,modules of elasticity with long –term water immersion (after 4 months immersion in de-ionized water) Materials and methods: Eighty specimens from dumbbells shaped metal pattern for tensile strength test were preparedaccording to ISO 527: 1993 plastic –Determination tensile properties ,in dimensions(60mm, 12mm, 3 ± 0.2mm) length, width and depth respec

       Studies were conducted to evaluate the biological effects of the non-steroidal ecdysone agonist (Methoxyfenozide), on different developmental larval stages of cotton leafworm Spodoptera littoralis (Boisd.) in the laboratory. The results showed that the early larval stages were the most  susceptible to Methoxyfenozide which caused 100% mortality within 4-6 days after treatment at all used concentrations, while such percentage of mortality was achieved within 6 days after treatment for late larval stages when the highest concentration was used (0.2)g (ai) /L. Several morphological deformations were noticed on pupal stage, the results showed that the highest percentage of deformations was 1

In this research work a composite material was prepared contains a matrix which is unsaturated polyester resin (UPE) reinforced with carbon nanotube the percentage weight (0.1, 0.2, 0.4.0.5) %, and Zn particle the percentage weight (0.1, 0.2,0.4,0.5)%.
All sample were prepared by hand lay-up, process the mechanical tests contains hardness test, wear rate test, and the coefficient of thermal conductivity. The results showed a significant improvement in the properties of overlapping, Article containing carbon nano-tubes and maicroparticles of zinc because of its articles of this characteristics of high quality properties led to an, an increase in the coefficient of the rmalconductivity, and increase the hardness values with increased pe

PVC/Kaolinite composites were prepared by the melt intercalation method. Mechanical properties, thermal properties, flammability and water absorption percentage of prepared samples were tested. Mechanical characteristic such as tensile strength, elongation at break; hardness and impact strength (charpy type) were measured for all samples. It was found that the tensile strength and elongation at break of PVC composites decreased with increasing kaolinite loading. Also, the hardness of the composites increases with increase in filler content .The impact strength of the composites at the beginning increases at lower kaolinite loadings is due to the lack of kaolin adhesion to the matrix. However, at higher kaolin loadings. This severe agglom

Age and BMI may be used to diagnosis of thyroid autoimmune disease. One hundred Iraqi women with age ranged from 18 to 60 years participate in this research, 50 of them were hypothyroidism patients, 30 were hyperthyroidism patients and the other 20 were euthyroidism served as controls. Blood samples were collected from the studied subjects to determine thyroid profile [free triiodothyronine (FT3), free tetraiodothyronine (FT4) and thyroid stimulating hormone (TSH)], thyroid antibodies [anti-thyroid peroxidase (anti-TPO), anti-thyroglobulin (anti-Tg), and anti-thyroid stimulating hormone receptor (anti-TSHR)], and levels of vitamin D (vit D), calcium (Ca), and phosphorus (P) using different analysis techniques. When the effect of age

The experiment was conducted at field of garden of Department of Biology, Collage
of Education (Ibn-Al-Haitham) University of Baghdad during winter season of 2009-2010.
The aim of present study is the effect of growth regulator Gibberellins by using two
concentrations (100, 200) ppm and also Thiamine in two concentrations (10, 50) ppm, on the
some yield component characters and active component of volatile oil Cumin (Cuminum
cyminum L.).
The results showed that GA3 in (100) ppm increased the yield component, protein
concentration and increased in Cuminaldehyde, Perillaldehyde and Thyoml concentration.
The results showed that the best concentration was (50) ppm of Thiamine showed an
increasing concentratio

 One hundred and fifteen isolates of Staphylococcus aureus were isolated from human infected wound and burn. The resistance of this organism for eight commonly used antibiotics was determined by disc diffusion methods.          The minimum inhibitory concentration MIC was determined for each drug by tube dilution method. Results showed significant variations in the MIC values. It was found that two isolates had high resistance for the eight antibiotics used. Effect of ascorbic acid on bacterial growth was studied singly and in combination with antibiotics. Reductions in MIC value were reported for different antibiotics when tested by growth curve method too.