The process of granting loans by banks is the confidence they give to their customers, but this trust should not be a cornerstone in granting loans even if granted these loans on the basis of sound banking should involve risks that may be exposed to the bank because of the failure of the client to meet The bank's financial obligations to the bank due to the unexpected economic conditions affecting the customers, which makes them in a state of faltering, which weaken the ability of banks to provide loans, which are the most important sources of revenue and profits, so the problem of non-performing loans is one of the main problems facing most of the banks Which impede the functioning of its work and the reasons that led to the aggravation of the problem of banking failure and the lack of safety and the study of credit decisions in the case of granting loans and errors in the feasibility study and non-compliance with the procedures and controls of credit policies within the bank in addition to embezzlement and thefts exposed to the bank and the inefficiency of banking management and to avoid these The problem is that there is a need for careful study using scientific methods in terms of credit decisions and guarantees. This study varies according to the type of loan. In the case of long term loans, the risks are high. The volume of non-performing loans in the Rafidain Bank, the largest Iraqi banks and suffered large losses due to bad loans and inherited debt by the year 2003 and thereafter, which negatively affected the profits and reserves where the bank deduct part of its profits to meet non-refundable debt in the form of provision for doubtful debts despite the decline Its capital is due to the failure of the Rafidain Bank to comply with the instructions of the Central Bank of Iraq, especially with regard to the adequacy of capital and the guidelines for the classification of credit, which reflects the inefficiency of the bank's management in dealing with the problem of defaults
Islam is a religion that God wanted to be a platform emerges from human steps in various walks of devotional and economic life, etc, so it went Islam, guids human beings being as successor of God on earth.
The result that the worship of man for the Lord, which is one of the reconstruction of the land that is the secret of the sustainability of human life on the ground, often urged the Sunnah on the reconstruction of the earth and the importance of planting them and paired the reconstruction work that obtained by the human reward which would Allah his home in the Hereafter, There construction of the earth does not involve just planting them; it takes many forms Maintaining them and not marring the form of reconstruction and
... Show MoreThis research deals with the ideas of Imam Muhammad bin Al-Waleed bin Khalaf bin Sulaiman bin Ayyub , Al -Qurashi, The Moroccan, The Andalusian, Al-Maliki. He was known as Abu Bakr Al-Tartoushey , where thesis deals with the details of his personal life and as well as his scientific path as well as his works, and also covered the views of jurisprudence in the personal status and especially on the subject of divorce and inheritance,
اهتمام العلماء العرب بالحروف مبينين معانيه موضحين مقاصده
The holy city of Najaf is a vital space that helps to bring people together within a particular context, thus strengthening intellectual communication, community participation and increasing opportunities to learn about different cultures
يتناول هذا البحث اساسيات التعامل بين الرسول الأعظم r وبين المخالفين له في المعتقد، وضرورة التسامح الديني الذي أقره الاسلام وطبقه الرسول الكريم r في حياته، وعلمه لأصحابه الكرام t، وأصناف الناس الذين تعايش معهم الرسول r مدة سيرته العطرة، لاسيما الكفار وأهل الكتاب والمنافقين، مستندا إلى كتب التفسير والحديث النبوي الشريف، وقد جعل الباحث لكل منهم مبحثا مستقلا ، ثم انتهى إلى الخاتمة وأهم التوصيات .
Among the imams who honor the soil of Iraq by embracing their remains is Imam Al-Qasim Ibn al-Imam Musa Ibn Ja'far ibn Muhammad ibn Ali ibn al-Hussein ibn Ali ibn Ali ibn Abu Talib, Amir of the believers Al-Kadhim (may peace be upon him ), the mother of the sons and the mother of his brother Imam Ali ibn Musa al-Rida (may peace be upon him), buried in the Holy QOM (1)It is one of the doors of need for Shiite Muslims All the stories of imams are similar in terms of injustice
In this research I like to shed light on the mind because of its importance because it is what distinguishes Human from all other animals and that the question and status comes from his role in the formulation of knowledge and science where the machers agreed that the word of mind in its general sense is the source of thought and thought and the instrument of faith and philosophy , Then to the statement of the various stages pass
... Show Moreتم ت داول مصطلح الأزمة ا دلولية في السياسية ا دلولية خال القرن التاسع عش ر لتحدي دا ملدة الانتقالية بين السلم والحرب سواء أ دت الأزمة إلى نشوب صراع مسلح أم مت ت ت سويتها بالطرق السلمية، وتع دالأزمة ا دلولية مرحلة مت هيدية ل لحرب وهي ا رملحلة التي يسعى فيها أ طرا فالأزمة إلى إبعاد احتمالية نشوء أ و اندلاع الحرب، فالأزمة ه ي مدة حرجة ومرحلة خطيرة بين وقتي السلم والحرب، إن العلاقات ا دلولية تكاد ت عيشأ زمات متلاحقة ع
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