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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
Thu Sep 01 2016
Journal Name
Journal Of Engineering
Response of Laced Reinforced Concrete One Way Slab to Repeated Loading
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Test results of nine reinforced concrete one way slab with and without lacing reinforcement are reported. The tests were designed to study the effect of the lacing reinforcement on the flexural response of one way slabs. The test parameters were considered is the lacing steel ratios of (0, 0.0025, 0.0045, and 0.0065), flexural steel ratios of (0.0025, 0.0045, and 0.0065) and span to the effective depth ratios of (11, 13, and 16). Two specimens had no lacing reinforcement and the remaining seven specimens had the lacing reinforcement. Four point bending test were carried out, one of the specimens was tested under the static load applied gradually up to failure and the other specimens were tested under repeated load (5 cyc

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Publication Date
Thu May 18 2023
Journal Name
Journal Of Engineering
Behaviour of Fire Exposed Reinforced Concrete Rigid Beams with Restrained Ends
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This paper is devoted to investigate the effect of burning by fire flame on the behavior and load carrying capacity of rectangular reinforced concrete rigid beams. Reduced scale beam models (which are believed to resemble as much as possible field conditions) were suggested. Five end restrained beam specimens were cast and tested. The specimens were subjected to fire flame temperatures ranging from (25-750) ºC at age of 60 days, two temperature levels of 400ºC and 750ºC were chosen with exposure duration of 1.5 hour. The cast rectangular reinforced concretebeam (2250×375×375 mm) (length× width× height respectively) were subjected to fire. Results indicate remarkable reduction in the ultrasonic pulse velocity and rebound number of

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Publication Date
Sat Mar 31 2018
Journal Name
Journal Of Engineering
Effecting of pH Parameter on Simulated Wastewater Treatment Using Electrocoagulation Method
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The aim of the present research is to investigate the effecting of pH parameter on the feasibility of lead removal from simulated wastewater using an electrochemical system. Electrocoagulation method is one of electrochemical technology which is used widely to treat industrial wastewater. Parameters affecting this operation, such as initial metal concentration, applied current, stirrer speed, and contact time of electroprocessing were taken as 155ppm, 1.5 Ampere, 150 rpm, 60 minutes respectively. While pH of the simulated wastewater was in the range of  2 to 12 in the experiments. It was found from the results that pH is an important parameter affecting lead removal operation. The best value of pH parameter is appro

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Publication Date
Mon Jul 01 2019
Journal Name
Journal Of Engineering
Speed Controller of Three Phase Induction Motor Using Sliding Mode Controller
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In this paper, an adaptive integral Sliding Mode Control (SMC) is employed to control the speed of Three-Phase Induction Motor. The strategy used is the field oriented control as ac drive system. The SMC is used to estimate the frequency that required to generates three phase voltage of Space Vector Pulse Width Modulation (SVPWM) invertor . When the SMC is used with current controller, the quadratic component of stator current is estimated by the controller. Instead of using current controller, this paper proposed estimating the frequency of stator voltage since that the slip speed is function of the quadratic current . The simulation results of using the SMC showed that a good dynamic response can be obtained under load

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Publication Date
Wed Aug 01 2018
Journal Name
Materials Research Bulletin
Chemical bath deposition of single crystal SnS nanobelts on glass substrates
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SnS nanobelt thin films were deposited on glass substrates in acidic solution by chemical bath deposition (CBD) method. The belt-like morphologies of as-deposited SnS thin films were characterized by scanning electron microscope (SEM) and transmission electron microscopy (TEM). X-ray diffraction (XRD) and Raman measurements were carried out to confirm the crystal structures and phase purities of SnS nanobelt thin films. The morphologies and phase purities of SnS thin films were influenced greatly by the tin and sulfur precursors. The bandgaps of SnS nanobelts were determined to be 1.39–1.41 eV by UV–vis absorption and photoluminescence (PL) spectra. Current-voltage ((I-V)) and current-time ((I-T)) characteristics were studied to demon

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Publication Date
Sun Feb 27 2022
Journal Name
Iraqi Journal Of Science
Continuous Classical Optimal Control of Triple Nonlinear Parabolic Partial Differential Equations
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    This paper  concerns with the state and proof the existence and uniqueness theorem of triple state vector solution (TSVS) for the triple nonlinear parabolic partial differential equations (TNPPDEs) ,and triple state vector equations (TSVEs), under suitable assumptions. when the continuous classical triple control vector (CCTCV) is given by using the method of Galerkin (MGA). The existence theorem of a continuous classical optimal triple control vector (CCTOCV) for the continuous classical optimal control governing by the TNPPDEs under suitable conditions is proved.  

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Publication Date
Tue Oct 24 2023
Journal Name
Zanco Journal Of Pure And Applied Sciences
Topical Application of Capparis Spinosa Fruit Extract Lowers Blood Glucose Level.
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Publication Date
Wed Mar 01 2023
Journal Name
Al-khwarizmi Engineering Journal
Mechanical PropertiesInvestigation of Unidirectional Woven Carbon Fiber Reinforced Epoxy Matrix Composite
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In this study, the mechanical properties of an epoxy and unidirectional woven carbon with fiberglass composite were experimentally investigated. When preparing the composite samples, American Society for Testing and Materials (ASTM)standard was used. Tensile, impact and flexural test were conducted to investigate the mechanical properties of the new produced epoxy Unidirectional Woven Carbon and Epoxy Fiberglass composites. The outcome showed that the strength of the produced samples increased with the increase in the number of unidirectional woven carbon layers added. Two methods were utilized: (1) woven carbon composite with glass fiber (2) woven carbon composite). The two methods of composite were compared with each other.  The resul

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Publication Date
Sat Dec 30 2023
Journal Name
Iraqi Journal Of Science
Enzymatic Assay of Immobilized β-D-Galactosidase Enzyme on Magnetite Nanoparticle
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     According to the high operational costs, low stability, and reusability of enzymes, immobilization by nanoparticle gathering has increased in recent years. Iron oxide nanoparticles (magnetite nanoparticles, Fe₃O₄) have been prepared by mixing one volume of iron dioxide ions and two volumes of iron trioxide ions with HCl via the precipitation of iron salts by NH₄OH. The features of magnetic nanoparticles have been studied by Atomic Force Microscopy (AFM), X-Ray Diffraction (XRD), Fourier Transform Infrared Spectroscopy, and Scanning Electron Microscopy (SEM). The prepared Fe3O4 was used in the adsorption method to immobilize the galactosidase enzyme. The immobilized enzyme has been compared wi

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Publication Date
Sat Oct 01 2022
Journal Name
Al–bahith Al–a'alami
PRESS COVERAGE OF CRISES: (A Research Drawn from a Doctoral Thesis)
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Media is one of the main and effective factors; and it is a tool of crisis management equipment. Media is one of the most dangerous, effective and decisive weapons in modern conflicts; a tool for making events and influencing their events and trends as a means of reporting as the enormous capabilities of media which help media to move very quickly, and cross borders; and overcome obstacles, through many means of audio, reading and visual. As its ability, moreover, to influence the psychological and intellectual control of communities, and behaviors.

Intelligent media is, then, used in crises management and coverage. Crises have been existed with the presence of man on Earth. Thei

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