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The challenges facing the Insurance sector in Iraq Analytical study in Iraqi insurance companies (National insurance company as model)

Most of World nations are striving to provide the necessary needs to protect their economic properties assets against natural or abnormal disasters that may be inflicted on such property and the means that used by such countries to reduce the damages is insurance, whereas insurance as a system that collects and distributes different risks into the group thus  to achieve a social symbiosis between individuals. The system works to transfer the risks from the individual to the group and then distributes the losses to all members of the group.

According to the importance of the insurance sector and the need to develop it as well as working on improving its performance, this search aims to identify the activities of Insurance company and the main challenges facing the insurance as sector , so the goal of this search is studying the fact of insurance in Iraq and identifying its types and conditions of applying it as well as identify the challenges facing insurance sector and set solutions for it.

The main problem in the search lies in the challenges facing insurance sector in Iraq that prevents spreading the culture of insurance.

This search based on many of hypotheses, the important one is an inverse relationship between insurance and insurance awareness, whereas insurance retreat in case of lack in insurance awareness via advertising , promotion  and reverse was true as well as insurance sector related to security situation in a direct correlation thus serious security situation means more needs for insurance via convincing the insured people to reduce the risks that appeared during the serious security situation and the opposite is true.

The study relies on Analytical descriptive status, the researcher made questionnaire form and depend on  (SPSS) program in analyzing data m the research reached to the following conclusions :

1- The lack of effective programs to increase the level of insurance culture in society nailed.

2- The insurance does not play an important role in addressing the effects of terrorist attacks.

The study ends with some recommendations that may help other researchers in this field, like the following:

1- The need to develop effective programs to raise the level of insurance culture in society constantly.

2- The researcher recommends search sample company to provide sufficient information about its services and work to make appropriate insurance covers for his clients.

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Publication Date
Wed Nov 28 2018
Journal Name
Iraqi Journal Of Science
pvl-carried methicillin resistant Staphylococcus aureus isolated from hospitalized patients in Baghdad, Iraq: none

Out of 150 different specimens, 67 S. aureus isolate were isolated. However, 16sRNA gene was located only in 60 isolates. Moreover, mecA gene was located in 48 isolates; thereby MRSA covered 80% of all S. aureus isolates. Of considerable interest, pvl gene was detected in only six isolates (10%). Hence, the present work emphasizes the notion suggested that pvl is not an indicative of CA-MRSA.

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Publication Date
Sat Jun 27 2020
Journal Name
Iraqi Journal Of Science
Hartha Formation divisions Based on Well Logs Analysis in Majnoon Oil Field, Southern Iraq

This study aims to evaluate reservoir characteristics of Hartha Formation in Majnoon oil field based on well logs data for three wells (Mj-1, Mj-3 and Mj-11). Log interpretation was carried out by using a full set of logs to calculate main petrophysical properties such as effective porosity and water saturation, as well as to find the volume of shale. The evaluation of the formation included computer processes interpretation (CPI) using Interactive Petrophysics (IP) software.  Based on the results of CPI, Hartha Formation is divided into five reservoir units (A1, A2, A3, B1, B2), deposited in a ramp setting. Facies associations is added to well logs interpretation of Hartha Formation, and was inferred by a microfacies analysis of th

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Publication Date
Fri Dec 15 2017
Journal Name
Journal Of Baghdad College Of Dentistry
Oral Health Condition and Nutritional Status among Cleft Lip and Palate in Baghdad-Iraq

Background: Orofacial cleft is the most common craniofacial birth defect and the fourth most common congenital malformation in humans that have an effect on oral health in addition to nutrient intake affected in those children. This research aims to investigate gingival condition, dental caries experience and nutritional status among children with orofacial cleft and compare them with normal children. Materials and methods: The study group included 36 children with an age ranged (4-9) years of orofacial cleft. The control group included 37 children matched the control group in age and gender. Gingival condition measured by Gingival Index (Löe and Silness, 1963), while dental caries status was measured by (D1-4MFs/d1-4mfs) index according

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Publication Date
Fri Jul 19 2019
Journal Name
Iraqi Journal Of Science
Spectral and statistical analysis of wind spectrum for Ali Al-Gharbi area in Iraq

The spectrum known represented as a relationship that’s plotted between the magnitudes or energy for a specific parameter vs. its frequency, the wind spectrum is presented as the sum of wind speed created by events divided either in space, in time, or both. This paper presents a wind speed spectrum demonstration in
Ali Al-Gharbi location in Iraq. The aim of the present paper is to analysis the wind speed and direction by employing the FFT (Fast Fourier Transform) therefore field measurement of wind speed and direction were collected for one year from Dec 2014 to Dec 2015 in the time interval of 10 minutes at heights of 10, 30 and 50
meters. From the performance of the FFT it was found that the v

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Publication Date
Sun Jul 29 2018
Journal Name
Iraqi Journal Of Science
Environmental assessment of heavy metals in surface and groundwater at Samarra City, Central Iraq

Urban Samarra City is characterized by high population density and wide variation in land use, has led to many environmental problems, for this purpose the environmental assessment became an urgent need for surface and ground water at study area. Three water samples from Tigris River   and six  groundwater samples were collected and analyzed for heavy metals  as Fe, Mn, Zn, Cd, Cu, Co ,Pb, Ni, Cr, As, Mo, Hg, Al, Li, Be, Se, V, U, Sr. Most heavy metal concentrations have shown higher level than standards, such as  Fe, Mn, Cd, Pb, Ni, Cr, As, Mo, Hg, Al ,Li ,Be, Se, V,  that might be due to anthropogenic activities such as  agricultural and the heavy  use of fertilizers, besides other activities amo

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Publication Date
Thu Jun 30 2022
Journal Name
Iraqi Journal Of Science
Demonstration of Net Solar Radiation Geographical Behavior Revers Correlation with Relative Humidity in Iraq

      It is common that extraterrestrial solar radiation Ra value lessen due to the interaction with atmosphere components to result a net solar radiation Rn value about one third of Ra for most measurements on earth. Net solar radiation had major impact on air temperature (To) value statement. So, its estimation is crucial for analyzing the interaction of (atmosphere-vegetation-soil).

Many methodologies available for this aim directly (with radiometer) or indirectly (with air temperature-based formula or soil plus air temperatures-based formula). The peak influences of global warming phenomenon were in eighties decade of the last century, yielding Iraq Rn rates to get cl

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Publication Date
Thu Mar 15 2018
Journal Name
Journal Of Baghdad College Of Dentistry
Gingival Condition and Enamel Defect Among Secondary School Female Students in Kirkuk City/Iraq

Background: Gingivitis is one of the most common and widely spread oral diseases in adolescents after dental caries occur in both developed and developing countries. Dental plaque is the main etiological factor of gingivitis. Another oral problem is enamel defect. The aim of this study was to estimate the oral hygiene (dental plaque), and determine the prevalence and severity of gingivitis and enamel defects among 16-17 years old secondary school female students in urban areas of Kirkuk city/Iraq. Materials and methods: A representative sample included in this study consisted of 750 secondary school female students distributed into 387 for the age sixteen and 363 for the age seventeen, they were selected randomly from different female secon

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Publication Date
Thu Mar 30 2023
Journal Name
Iraqi Journal Of Science
Acute HAV Infected Patient's Distribution According to Age and Sex in Wasit Province/Iraq.

Hepatitis A virus infection occurs globally and is causing a public health
concern, primarily in developing countries due to its persistent circulation in the
environment. A total of 120 individuals were included in this study, anti-HAV IgM
antibodies were detected in serum of 100 individuals of them (patients group) who
attended the Wasit central public health laboratory from different cities in Wasit
Province, Iraq, during the period from November 2013 to March 2014.While
another 20 individuals were considered as control group which anti – HAV IgM
antibody was negative in their serum.
Acute infection is confirmed by detection of IgM anti–hepatitis A virus (HAV),
which appears early in the course of infect

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Publication Date
Thu Dec 30 2021
Journal Name
Iraqi Journal Of Science
Petrophysical Properties and Digenetic Evolution of Shuaiba Formation in Nasiriyah Oil Field, Southern Iraq

     Shuaiba Formation is a carbonate succession deposited within Aptian Sequences. This research deals with the petrophysical and reservoir characterizations characteristics of the interval of interest in five wells of the Nasiriyah oil field. The petrophysical properties were determined by using different types of well logs, such as electric logs (LLS, LLD, MFSL), porosity logs (neutron, density, sonic), as well as gamma ray log. The studied sequence was mostly affected by dolomitization, which changed the lithology of the formation to dolostone and enhanced the secondary porosity that replaced the primary porosity. Depending on gamma ray log response and the shale volume, the formation is classified into three zone

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Publication Date
Wed Feb 22 2023
Journal Name
Iraqi Journal Of Science
A Molecular Investigation of Phytoplasma (Candidatus Phytoplasma) Infecting Arabic Jasmine (Jasminum sambac) in Iraq

This study was conducted to investigate phytoplasma causing a virescence disease on Arabic jasmine Jasminum sambac based on microscopy and molecular approaches. Samples were collected from symptomatic Arabic jasmine plants grown in nurseries in Baghdad-Iraq. Specimens from infected plants were prepared and Dienes stained for light microscopy examination. Phytoplasma were detected in infected plants by polymerase chain reaction (PCR) using P1/P7 and SecAfor1/SecArev3 Candidatus Phytoplasma specific primer sets. Light microscopy test showed symptomatic Arabic jasmine plants were phytoplasms infected when phloem tissues were stained with a dark blue color. PCR test confirmed the symptomatic plants were phytoplasms infected when SecAfor1/Sec

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