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jeasiq-1921
The role of business incubators represented by the banking system in financing small and medium enterprises in Iraq for the period 2000-2010
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The process of transformation from the central economy to a free economy requires restructuring the economy according to a new economic philosophy that relies on activating the role of private economic activity in which private and medium-sized institutions occupy an essential axis for their active role in the economies of all countries, especially those countries that have directed towards the market mechanism and sector leadership. The special process of economic development and the role that commercial banks can play in advancing the financing of these projects by establishing specialized business incubators for financing.

What encouraged countries to pay attention to these institutions is the ease of their establishment and the low capital used in them and their ability to create increased job opportunities, their ability to enter in the tracks of industries that refrain from entering large institutions, as well as having sufficient flexibility to enable them to spread in the various small and rural cities in its higher innovation potential.

 In spite of its enjoyment of these advantages and characteristics, it encounters many obstacles, foremost of which are financial constraints, which necessarily necessitates studying the potential financing outlets for small and medium enterprises, including specialized financing institutions. It was found after the study that the financing of these specialized institutions does not fit with the need and nature of the institutions for small and medium-sized companies, despite the fact that the establishment of specialized lending institutions was mainly in order to correct imbalances in the credit market and compensate for the financing gap, the practical reality is that there are a number of obstacles that hinder the ability of these institutions. It specializes in providing the appropriate alternative to financing because it is unable to avoid the risk of risk in providing loans due to the lack of objective studies of the economic feasibility of projects established by small and medium enterprises and the weak guarantees that they possess that can be provided to the lenders to obtain the necessary financing, in addition to the fact that the loans provided are often in line with large project loans and inconsistent with the character and needs of small and medium enterprises.

Therefore, specialized banks, such as industrial, agricultural, real estate industrial, and real estate banks, can also contribute to providing financial liquidity to this incubator as a long-term investment, provided that small and medium-sized enterprises are funded according to the nature of the production or service project, which is the industrial, agricultural, and real estate banks with the necessary funds.

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Publication Date
Tue Mar 14 2023
Journal Name
Iraqi Journal Of Science
Optimization of Pectinase Production from Pesudomonas sp. Isolated from Iraqi Soil
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The isolates were screened according to their capability for pectinase production, screening process identified the best pectinolytic isolate and it was characterized by cultural and biochemical, as Pesudomonas sp. Pectinolytic enzyme producing bacterium Pesudomonas sp. was isolated from the Iraqi soil on nutrient agar plate. Optimiztion of process parameters were carried out by altering some of environmental conditions of chemo-physical environment for the production medium. The highest pectinase production was observed at 48 hrs of incubation at 35 °C with the initial pH of 6.0. Different nutrients and environmental conditions were investigated in terms of their effect on the production of extracellular pectinase using citrus pectin a

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Publication Date
Mon Feb 20 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Characterization of n-CdO:Mg /p-Si Heterojunction Dependence on Annealing Temperature
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In this research, thin films of CdO: Mg and n-CdO: Mg/ p-Si heterojunction with thickness (500±50) nm have been deposited at R.T (300 K) by thermal evaporation technique. These samples have been annealed at different annealing temperatures (373 and 473) K for one hour. Structural, optical and electrical properties of {CdO: Mg (1%)} films deposited on glass substrate as a function of annealing temperature are studied in detail. The C-V measurement of n-CdO: Mg/ p-Si heterojunction (HJ) at frequency (100 KHz) at different annealing temperatures have shown that these HJ were of abrupt type and the builtin potential (Vbi) increase as the annealing temperature increases. The I-V characteristics of heterojunction prepared under dark case at

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Publication Date
Mon Jun 30 2003
Journal Name
Iraqi Journal Of Chemical And Petroleum Engineering
Liquid-Liquid Equilibria of Quaternary Systems Including Sulfonate at 293.15 K
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Publication Date
Sat Nov 28 2020
Journal Name
Iraqi Journal Of Science
Survey Based Study: Classification of Patients with Alzheimer’s Disease
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 Neuroimaging is a description, whether in two-dimensions (2D) or three-dimensions (3D), of the structure and functions of the brain. Neuroimaging provides a valuable diagnostic tool, in which a limited approach is used to create images of the focal sensory system by medicine professionals. For the clinical diagnosis of patients with Alzheimer's Disease (AD) or Mild Cognitive Impairs (MCI), the accurate identification of patients from normal control persons (NCs) is critical. Recently, numerous researches have been undertaken on the identification of AD based on neuroimaging data, including images with radiographs and algorithms for master learning. In the previous decade, these techniques were also used slowly to differentiate AD a

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Publication Date
Sun Jun 11 2017
Journal Name
Al-academy
Performance difficulties of Sharif Muhiyddin Haider’s musical works among Oud students
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This research focuses on the difficulties that face Oud's students' in the performance of Sharif Muheyddin Haider musical works. In addition, this research suggests solutions to overcome these difficulties for make it easier to play Haider's musical works. This research also addressed important topics of great relevance the title, problem and the research's aims. Moreover, Procedures of this research adopted the descriptive approach (content analysis) to attain the research's aims. Furthermore, results and discussions where covered, and conclusions of the appropriate academic solutions were achieved to overcome the performance difficulties of Haider's musical works among Oud's students'. At the end, the research presents a set of recomme

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Publication Date
Tue Dec 05 2023
Journal Name
Baghdad Science Journal
Further Results on (a, d) -total Edge Irregularity Strength of Graphs
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Consider a simple graph   on vertices and edges together with a total  labeling . Then ρ is called total edge irregular labeling if there exists a one-to-one correspondence, say  defined by  for all  where  Also, the value  is said to be the edge weight of . The total edge irregularity strength of the graph G is indicated by  and is the least  for which G admits   edge irregular h-labeling.  In this article,   for some common graph families are examined. In addition, an open problem is solved affirmatively.

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Publication Date
Wed May 24 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Inner Tube of AL-Diwanyia Tyre Based on Natural Rubber Blends
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Most tubes are made from butyl rubbers, but certain types, such as giant tubes, are based on natural rubber because very high green strength is required when handling the uncured compound. By using blends of natural rubber (NR) and brominated butyl rubber (BIIR), it is possible to maintain high green strength in the uncured compound and improve impermeability and heat resistance of the cured tube.  The best formulations are obtained in the presence of 50 phr of (BIIR) to achieve desired mechanical properties. Improved impermeability was obtained by using 50 and 75 phr of (BIIR) rubber in compounds. Blending of brominated butyl rubber (BIIR) with natural rubber (NR) enhances air retention with acceptable sacrifices in green strength.

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Publication Date
Sat Aug 01 2015
Journal Name
Journal Of Engineering
Mechanical Properties of High Performance Concrete Containing Waste Plastic as Aggregate
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         The world's population growth and the increasing demand for new infrastructure facilities and buildings , present us with the vision of a higher resources consumption, specially in the form of more durable concrete such as High Performance Concrete (HPC) . Moreover , the growth of the world pollution by plastic waste has been tremendous. The aim of this research is to investigate the change in mechanical properties of HPC with added waste plastics in concrete. For this purpose 2.5%, 5% and 7.5% in volume of natural fine aggregate in the HPC mixes were replaced by an equal volume of Polyethylene Terephthalate (PET) waste , got by shredded PET bottles. The mechanical propert

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Publication Date
Thu Feb 07 2019
Journal Name
Iraqi Journal Of Laser
Treatment of Skin Scar Using CO2 Laser with or Without Corticosteroid
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CO2 Laser (10600nm) is the recent method in the management of challenging skin scar resulting from trauma, burn and surgical wound. The aim of this study was to evaluate the efficacy & safety of fractional CO2 laser (10600nm) in treatment of skin scar. Materials and Methods:Twenty patients with different types of scars treated with fractional CO2 (10600nm) laser, (10 patients) were given additional intralesional Triamcinolone. Results: All of the twenty patients included in this study showed some sort of improvements in scar texture, height and pliability and all of the ten patients who received intralesional Triamcinolone after laser show complete satisfaction. Conclusion:Fractional CO2 (10600nm) laser can be used as alternative, ef

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Publication Date
Fri Jun 24 2022
Journal Name
Iraqi Journal Of Science
Image Compression based on Adaptive Polynomial Coding of Hard & Soft Thresholding
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In this paper, an adaptive polynomial compression technique is introduced of hard and soft thresholding of transformed residual image that efficiently exploited both the spatial and frequency domains, where the technique starts by applying the polynomial coding in the spatial domain and then followed by the frequency domain of discrete wavelet transform (DWT) that utilized to decompose the residual image of hard and soft thresholding base. The results showed the improvement of adaptive techniques compared to the traditional polynomial coding technique.

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