The research aims to identify banking stress tests, which is one of the modern and important tools in managing banking risks by applying the equations of that tool to the sample. The banking sector considered one of the most vulnerable to sudden and rapid changes in an unstable economic environment, making it more vulnerable. Therefore, it is necessary to establish a special risk management section to reduce the banking risks of the banking business that negatively affect its performance.

The research concluded that there is a direct relationship between stress tests and risk management, as stress tests are an essential tool in risk management. They also considered a unified approach in managing bank risks that helps the bank to

In this paper, the effect size measures was discussed, which are useful in many estimation processes for direct effect and its relation with indirect and total effects. In addition, an algorithm to calculate the suggested measure of effect size was suggested that represent the ratio of direct effect to the effect of the estimated parameter using the Regression equation of the dependent variable on the mediator variable without using the independent variable in the model. Where this an algorithm clear the possibility to use this regression equation in Mediation Analysis, where usually used the Mediator and independent variable together when the dependent variable regresses on them. Also this an algorithm to show how effect of the

  The aim of the research is to highlight the income tax by direct deduction in Iraq and the most important problems and obstacles faced by this type of taxes and identify the reasons for the clear and striking differences in the deduction between those charged with the state departments to reach the exact calculation in accordance with the laws and instructions and the unification of tax deductions for similar cases and clarify Cases of confusion and ambiguity, and achieving justice by deduction, whether in favor of the taxpayer or financial authority. Under the laws and regulations in force.

  The study was conducted on a sample of the salaries of the employees of the University of Basra, and interviews with account m

The research dealt with the financial policies adopted by Almurabitin (484-520 / 1092-1143) and Almuahadin (540-620 / 1145-1223) in Andalusia, their characteristics, and how they dealt with increasing the resources of Bayt Almal and organizing the spending process. The first axis of the research discussed the policies of the management of public funds in the provinces of Almurabitin and Almuahadin in Andalusia. While the second presented to the most prominent and most important resources of Andalusia financial in the era of these two countries such as Zakat, Alkhiraj, Alghanayim, confiscations and illegal taxes and others. The third axis reviewed the public spending policies of the two countries and the political and military conditions

This study aims to find the effectiveness of GeoGebra software in the achievement and habits of mind of eighth grade female students.

The research sample consisted of (62) students and divided into two groups.  The first one is the experimental group (35 students) and it was taught using GeoGebra software, and the second group is the standard group (27 students) and it was taught using the traditional method of teaching. Two multiple-choice-question tests were prepared, one of them tests the achievement (40 paragraphs) and the other tests the habits of mind (24 paragraphs) and comprises four habits of mind according to Costa and Kallick classificatio

Abstract
This paper deals with the concept of electronic reference services in academic
libraries , showing forms of communications , training needs for reference librarians
and the role of the librarian in the new technological environment.

هدف هذا البحث الى التعرف على أثر فاعلية تكنولوجيا التحول الرقمي في تحسين كفاءة الخدمة التأمينية في شركات التأمين العامة في العراق من خالل تكنولوجيا التحول الرقمي في العملية التأمينية "الترويج لمنتج التأمين,تقديم طلب التأمين,االكتتاب ,تسوية الخسائر" ولتحقيق هذا الهدف تم تصميم استمارة استقصاء وزعت في المجتمع المبحوث والتي تمثل متخذي القرار في الشركات المبحوثة قيد البحث وكان من اهم نتائج البحث وجود عالقة بين ا

Abstract:

                The aim of the current study lies in showing and demonstrating the effect of the independent variable of organizational integrity with its dimensions represented by (organizational optimism, organizational trust, organizational integrity, organizational sympathy) on the dependent variable of strategic drifts through its dimensions represented by (organizational culture, leadership, innovation, strategic planning) .The analytical descriptive approach has been adopted and the questionnaire has been used as a tool to obtain data and information from the sample of (57) people who are at the administrative levels (seni

Heavy metal (HM) pollution has long been a significant source of environmental deterioration and a problem for the safety of food. Iraqis prefer rice over any other food, and since heavy metals have a direct impact on health, their traces in rice have drawn particular attention. Before cooking rice, it is usual in Iraq to wash and soak it. Some 55 varieties of imported and local rice were sampled from Erbil city markets in 2022 with the aim of determining the concentration of As, Cd, Cr, Ni and Pb before and after soaking. Standard procedure of acid digestions was applied on the raw and soaked samples. The solutions were analyzed using ICPE-9820 Shimadzu. The mean concentrations of As, Cd, Cr, Ni and Pb (in mg/kg) in the rice samples bef

هدف البحث الى التعرف على الاتجاه التكاملي STEM في تعليم الرياضيات واثره في التفكير المنطقي لطالبات المرحلة المتوسطة ولتحقيق اهداف البحث تم استخدام منهج البحث الوصفي والتجريبي لدراسة الظاهرة, قامت الباحثة بأخذ رأي عدد من مدرسي المرحلة المتوسطة لادخال الاتجاه STEM في تعليم الرياضيات, واثره في التفكير المنطقي وكان عددهم (20) مدرسا فكانت النتائج هو اثر الاتجاه التكاملي بشكل مرتفع قي التفكير المنطقي, وتم استخدام عدد