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The effect of applying total quality management on the competitiveness from the point of view of the front-rows employees for customer service (An analytical study of Palestinian local banks)
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The study aimed to identify the effect of Total Quality Management on enhancing competitiveness through the opinions of employees of the front- rows of customer service in local Palestinian banks, the researcher adopted an analytical descriptive method through developing a special questionnaire to accomplish the study’s objectives and answer its questions. The study involved all the Palestinian local banks, with their scattered branches in West Bank. The study sample consisted of 3470 executive employees for banking services out of 4753 employees, in the rate of 73%, and the study sample reached (485) employees who were randomly selected working in the front -rows to provide services in the local Palestinian banks during the year 2019, And the added value in this study was to examine the opinion of that sample of respondents, The results showed statistically significant differences for the importance of applying TQM and competitiveness. Based on the results of the study, the researcher recommended Palestinian local banks to deepen the employment of Total Quality Management in all its dimensions in their banking services to enhance their competitive capabilities. And to focus on developing and refining the skills of employees, developing and diversifying banking services based on modern technology, and measuring the quality of service provided to customers on a regular basis and in various forms and methods.

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Publication Date
Sun Dec 01 2013
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
Obstacles in Marketing Comprehensive Automobile Insurance Policy: بحث أستطلاعي في شركة التأمين الوطنية
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Comprehensive automobile insurance is considered as an important branches in the portfolio of National Insurance Company in Iraq .Due to the continous accidents the company is endeavouring to   this market.

    The company faces several obstacles and limitations in marketing the policies of this portfolio due to certain factors and influences beyond the control of the company and others internal mainly connected with the reduction of the marketing programmes of the company .

    The target of this study is  to focus the light  upon the interal factors which can be gorerned by the company,confronted and solved.

 

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Publication Date
Mon May 12 2025
Journal Name
سفير برس
القمة العربية في بغداد 2025: فرصة لتعزيز التضامن العربي واستعادة الدور الإقليمي
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يستعرض المقال تطور مؤتمرات القمة العربية منذ أول قمة عام 1946 حتى قمة المنامة 2024. ويسلط الضوء على القضايا التي تناولتها القمم، مثل فلسطين، سوريا، والسودان. كما يشير إلى أهمية قمة جدة 2023 التي شهدت عودة سوريا للجامعة العربية. وتستعد بغداد لاستضافة القمة الرابعة والثلاثين في 17 مايو 2025، وسط تحديات إقليمية كبيرة. وتعد القمة فرصة للعراق لاستعادة دوره العربي وتعزيز التعاون المشترك لمواجهة الأزمات السياسية والاقتصادي

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Publication Date
Fri Jan 04 2013
Journal Name
المجلة السياسية والدولية
عوامل تكوين الرأي العام وتأثيره في السياسه الخارجيه المصريه بعد عملية التغيير
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Publication Date
Fri Jan 04 2019
Journal Name
Journal Of Planner And Development
أثر التوجيه بتأثيرأشعة الشمس على التطور العمراني للشوارع التجارية في مدينة بغداد
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Publication Date
Mon Jan 23 2023
Journal Name
Arab Science Heritage Journal
العمق الوجداني والانفعال العاطفي لدى شعراء القرنين السابع والثامن الهجريين في الأندلس
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 The Andalusi did not leave any poetic art without expressing his psychological and sentimental emotions and the depth of emotions and it sincerity. We found Andalusian translated his emotions into poetry and in many different subjects. The Poetic images and the analogies were plentiful in their poetry.

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Publication Date
Fri Jan 04 2019
Journal Name
Journal Of Planner And Development
(الاستدامة في الحصول على الخدمات الحضرية (حالة تطبيقية على مدينة النجف الأشرف
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Publication Date
Sun Jan 13 2019
Journal Name
Arab Science Heritage Journal
زين الدين الشماع الحلبي والتعريف بكتابه (سر الأسرار في معرفة الجواهر والأحجار)
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عُني العرب منذ القدم بإستعمال الجواهروالأحجار الكريمة ، وإزدادت هذه العناية على مر العصور ، فقد إستعملوا الحلي المتنوعة ، والملابس المطعمة بالجواهر والأحجار الكريمة .

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Publication Date
Fri Feb 08 2019
Journal Name
Journal Of The College Of Education For Women
"حركة نیاغارا" في الولایات المتحدة الامریكیة: مقدماتھا ، نشأتھا، ١٩١٠- وعوامل انھیارھا ١٨٩
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The Negro minority in the United States is associated with social injustice,
political deprivation, and economic oppresion. Its members felt that they are
second-class citizens, and that the acceptance of such status will lead to the
continual oppresion of the Whites upon them. As a result, the educated community
adopted a process to put a framework to their opposition to the former's injustice.
This organised framework is exemplified in the "Niagara Movement," which is
regarded as the first national organisation for Negros. The topic of this study is
chosen due to its historical and political significance.
The study consists of an introduction and five sections. The first section
addresses the preliminaries an

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Publication Date
Fri Jun 01 2012
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
تقويم كفاءة أداء الاستثمارات بحث تطبيقي في شركتي التأمين الوطنية والتأمين العراقية
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This study attempts to highlights on the evaluation of performance efficiency for Investments in both National & Iraqi Insurance companies for the years 2001-2010 and their importance on those companies and the economy of the country in order to find  out the investment areas and to compare between investment activity and its revenues as well as to compare performance of both companies in investment field.

The study was based on annual reports and balance sheets of both companies. In many chapters, this study dealt with theoretical and practical aspects of the investments and its revenues. Key hypothesis was based on this study, including four parts of Sub hypotheses about (statistical effective relationship between the

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Publication Date
Tue Dec 16 2008
Journal Name
Journal Of Planner And Development
Housing finance and housing needs in Iraq with reference to some Arab experiences
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the financial resources represent a basic factor of production ;It is obvious that the housing sector needs the resources to finance the building operation to produce all the housing units. Finance is the cornerstone of any housing strategy , as its successes dependent on the success of the financing methods and the creation of charnels and effective methods for the provision of the required finances for both individuals and instantly concerned with the production of housing units. The kinds of financial institutions vary from one country to another according to the nature of the economic and financial system. The lending conditions also vary as well as the capital cost of the housing units needed The housing operations is concer

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