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Analysis the Relationship between the Standards of Credit Assessment and Non-Performing Loans at the Gulf Commercial Bank
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This paper aims to identify the approaches used in assessment the credit applications by Iraqi banks, as well as which approach is most used. It also attempted to link these approaches with reduction of credit default and banks’ efficiency particularly for the Gulf Commercial Bank. The paper found that the Gulf Bank widely relies on the method of Judgment Approach for assessment the credit applications in order to select the best of them with low risk of default. In addition, the paper found that the method of Judgment Approach was very important for the Gulf Bank and it driven in reduction the ratio of credit default as percentage of total credit. However, it is important to say that the adoption of statistical approaches for assessment the credit applications will be useful for Gulf Bank for accurate selections the lower risk credit.

 

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Publication Date
Sat Sep 23 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Effect Of Solvent Types On Photo Induced Electron Transfer in Methylene Blue dye MB+-- Benzophenone Ketone (ABP) System..
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Th   r:ats for the photo induced eleytr-on tra;nsfer reactions in the

Methylen-e blue 'l'vffi+ ·dye· with benzo_phenone (ABP) ketone in variety

solvc;:nts al n:loin tempemtme ha;ve qn calculated . Electron trans_ fer

-rates are large in• }stt:on;gly--'{:'lolaf- solvent and week in-l s.s :polar solvent.

the high values o:E   t±te r.tes a_f electro-n  tr;ans-fer indicate that tite dye

triplet i$ mqre, r activ.e toWard ABP ket-one.

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Publication Date
Sun Nov 29 2020
Journal Name
Iraqi Journal Of Science
Protection Effects of Vernonia Amygdalina Methanolic Extracts Against Hepatocellular Damage Induced by Petroleum Contaminated Diets in Male Rats
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Recently, bitter leaf (Vernonia amygdalina) was found to prevent petroleum – induced toxicities on the kidney whereas it potentiates the toxic effect of petroleum adulterated diet on the testes of animal model. This differential action has elicited further inquest into the role of bitter leaf extract in other organs in the midst of petroleum affronts. The hepatoprotective ability of Vernonia amygdalina methanol extract (VAME) is the objective of this investigation.  Administration of VAME significantly (P <0.05) reduced serum liver function indices relative to the control. In addition, the activities of liver oxidative enzymes, energy metabolizing enzymes and oxidative stress indices altered by crude oil

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Publication Date
Wed Jan 02 2019
Journal Name
Journal Of The College Of Languages (jcl)
Methods of Teaching Conversation in Russian Students Speaking Arabic: Методы преподавания говорения на русском языке в арабской аудитории
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      This paper tackles methods of teaching conversation in Russian to students speaking Arabic. It analyses the differences between the two languages, as well as the difficulties and major errors faced by Arabic speakers studying Russian. Particularly, it looks at the difficulty of transforming spoken language. Finally, the paper suggests ways for teaching spoken language and treating the reasons behind making errors.

Аннотация

          Данная статья рассматривает методы преподавания говорения на русском языке для носителей арабского яз

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Publication Date
Tue Mar 01 2022
Journal Name
Iraqi Journal Of Applied Physics
Fabrication of Solid Random Gain Media in Visible Region from Rhodamine Dye Solutions Containing Highly-Pure Titanium Dioxide Nanoparticles
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In this work, solid random gain media were fabricated from laser dye solutions containing nanoparticles as scattering centers. Two different rhodamine dyes (123 and 6G) were used to host the highly-pure titanium dioxide nanoparticles to form the random gain media. The spectroscopic characteristics (mainly fluorescence) of these media were determined and studied. These random gain media showed laser emission in the visible region of electromagnetic spectrum. Fluorescence characteristics can be controlled to few nanometers by adjusting the characteristics of the host and nanoparticles as well as the preparation conditions of the samples. Emission of narrow linewidth (3nm) and high intensity in the visible region (533-537nm) was obtained.

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Publication Date
Sun Nov 01 2020
Journal Name
Iop Conference Series: Materials Science And Engineering
Palm dates as a source for isolation of Aspergillus niger to produce citric acid by submerged fermentation; kinetics study
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Abstract<p>The study discussed here deals with the isolation of Aspergillus niger from palm dates, the formal and the most famous fruit in Iraq, to test and qualify this fungus isolate for its ability to produce citric acid. Submerged fermentation technique was used in the fermentation process. A.niger isolated from “Zahdi” Palme dates was used in the study of the fermentation kinetics to get the production efficiency of citric acid. Kinetics of CA production via fermentation by A. niger S11 was evaluated within 432 h fermentation time and under submerged conditions of 11% (w/v) sucrose, 5% (v/v) inoculum size, pH 4, 30 °C and 150 rpm. The maximum citric acid produced was (37.116 g/l). Kine</p> ... Show More
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Publication Date
Sun Aug 01 2021
Journal Name
Eurasian Chemical Communications
New sensitive turbidimetric method for determination of losartan potassium in pharmaceutical formulations using flow injection combined with homemade turbidimeter
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Publication Date
Fri Mar 21 2014
Journal Name
International Journal Of Antennas And Propagation
Development of a Compact Wide-Slot Antenna for Early Stage Breast Cancer Detection Featuring Circular Array Full-View Geometry
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A novel planar type antenna printed on a high permittivity Rogers’ substrate is proposed for early stage microwave breast cancer detection. The design is based on a p-shaped wide-slot structure with microstrip feeding circuit to eliminate losses of transmission. The design parameters are optimized resulting in a good reflection coefficient at −10 dB from 4.5 to 10.9 GHz. Imaging result using inhomogeneous breast phantom indicates that the proposed antenna is capable of detecting a 5 mm size cancerous tumor embedded inside the fibroglandular region with dielectric contrast between the target and the surrounding materials ranging from 1.7 : 1 to 3.6 : 1.

Publication Date
Mon Jul 10 2023
Journal Name
Journal Of Engineering
Experimental Study of Pre-Cast Reinforced Concrete Deep Beams (Hallow Core section) Retrofitting with Carbon Fiber Reinforced Polymer (CFRP)
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Experimental programs based test results has been used as a means to find out the response of individual elements of structure. In the present study involves investigated behavior of five reinforced concrete deep beams of dimension (length 1200 x height 300 x width150mm) under two points concentrated load with shear span to depth ratio of (1.52), four of these beams with hallow core and
retrofit with carbon fiber reinforced polymer CFRP (with single or double or sides Strips). Two shapes of hallow are investigated (circle and square section) to evaluated the response of beams in case experimental behavior. Test on simply supported beam was performed in the laboratory & loaddeflection, strain of concrete data and crack pattern of

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Publication Date
Tue Sep 01 2020
Journal Name
Baghdad Science Journal
Best Multiplier Approximation of Unbounded Periodic Functions in L_(p,∅_n ) (B),B=[0,2π] Using Discrete Linear Positive Operators
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The purpose of this paper is to find the best multiplier approximation of unbounded functions in    –space by using some discrete linear positive operators. Also we will estimate the degree of the best multiplier approximation in term of modulus of continuity and the averaged modulus.

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Publication Date
Sun Apr 30 2023
Journal Name
Iraqi Journal Of Science
Effect of Fusaric Acid (FA) Bio-stress on Certain Morphological Parameters for Potato (Solanum tuberosum. L) Cultivars in Vitro
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      The experiment was carried out with the aim of studying the effect of biological stress on some morphological parameters of ten varieties of potatoes grown in vitro. Biological stress was applied by adding different concentrations of fusaric acid (0, 0.0125, 0.025, 0.05, 0.1, 0.2 mM), to the growth medium MS, and some growth parameters were measured, such as plant height (cm), number of leaves (leaf/plant¹), leaf area (mm²), number of roots (root.plant¹) and length it (cm), wet and dry weight of the plant (g). The results showed that the studied varieties were different in the response to biological stress according to the studied parameters. The addition of fusaric acid led to reduce all growth parameters compared with the

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