Financial inclusion refers to the access of financial services at low cost and high-quality from the formal financial sector to all segments of society, especially marginalized groups, and then use and benefit from them. Financial inclusion is also associated with banking stability, as well as with financial integrity and financial protection for the consumer, therefore, it achieves a number of objectives, the most important of which is to support and enhance banking stability. This is what made it attract the attention of many countries and central banks recently.

     The study aims to show the impact of financial inclusion indicators on ban

The major countries have a lot of financial burdens as a result of their public expenditure to run their public facilities and implement their obligations in this regard. Countries may need to maximize their public revenues to meet their expenditures and increase the privatization policy according to the legal concept of selling their facilities or public companies. That the public revenues of the state and the shortcomings of the view of the pro-privatization as a means to increase the financial revenues of the state and the loss suffered by the States because of the fertility of its facilities and companies to the public and especially the elites of them because it will deprive them of the revenue fixed constant It flows into the state

  The present study included  the impact of the follow-up variation in the temperature of aqueous medium in the vertical migration behavior of different groups of Zooplankton, consisted species Cyclops vernalis, Daphnia magna, Diaptomus dilopatus, that have been grown in controlled in terms of light and pH laboratory conditions, so choosing temperature of respectively 16,20,24,28, and 32 ËšC. The result showed a clear change in the migration behavior of testing planktonic species, it was a negative relationship between temperatures arises and individual of D. magna in the water column.While being appositive relationship with individual of C. vernalis and the same with D. dilopatus. Also, the result revealed a different impact

  The study current included histological structure of stomach of Liza abu , anatomical results found that stomach represent the expander non-convoluted part of gastrointestinal tract it is located between the end of the esophagus and the beginning of the intestine , the average length of stomach was (1.5) cm , composed of two parts : cardiac stomach which is represent the anterior part and be thin- walled , the other part was pyloric stomach or gizzard and the walls were thick . The internal surface of cardiac and pyloric stomach contain longitudinal folds numbering (7), folds branching to finger shape structures extend inside the lumen . Histological study showed that stomach wall composed of three main histological layers : mucos

In the beginning, the study examined and analyzed the obligations and rights of the government partner in the partnership contract, one of the most important of which was to provide an appropriate environment that includes an organized legal framework that allows the private partner to enter into investment fields, and ensures that he obtains returns that make him desirable from the users of his services and products, and that administrative procedures are conducted in a legal way that enables the contracting partner to obtain the licenses and approvals necessary to establish and operate the project easily and smoothly, in addition to the stability of the legal legislation on the status it was in at the time of the conclusion of the cont

Background: Problem-based learning is becoming increasingly adopted in universities of higher education throughout the world.
Objective: This study is carried out to evaluate the application of this innovative approach in teaching in Hadramout University College of Medicine (HUCOM) in Yemen.
Methods: A cross-sectional study was designed to collect data from students through a well structured questionnaire. Students were classified into two groups: students in preclinical
phase (1-3 levels) and students in clinical phase (4-6 level). 
Results: Out of 372 students participated in the study; 19% in the preclinical phase know about PBL before joining the college while only 16% of students in clinical phas

In this work, the copper metal was treated using Nd:YAG laser with energy 1Joul to enhance corrosion resistance and improve surface properties. The copper metal has many applications in industry as well as water, oil and gas pipes. The same conditions, (laser power density, scan speed, distance between paths, medium gas-air) were applied in the laser surface treatment, After laser treatment, the samples microstructures were investigated using optical microscope (OM) to examine micro structural changes due to laser irradiation. Specimen surfaces were investigated using atomic force microscopy (AFM), X-ray diffraction (XRD), macro hardness, and corrosion test before and after laser treatment to

Azadirachtin is a naturally occurring substance that belongs to an organic molecule class which is called tetranortriterpenoids. It is on of the most powerful plant derived insecticides known, its structure is similar to insect hormones called ecdysoncs (Molting Hormone), which control the process of metamorphosis. Azadirachtin has been isolated from fruits of Melia azedarach L. The structure of this compound was determined by spectral studies (IR spectra and GC Mass spectra) and denitrified by then layer chromotochraphy (TLC).

Children are considered the most affected group in armed conflicts because of the diversity and diversity of the forms of aggression against them.Their recruitment into armed conflicts is one of the most dangerous images.                                              

Therefore, the use of children in armed conflicts, it is not a modern phenomenon that is confined to contemporary armed conflicts, but has been used in ancient wars and different times and civilizations.       &

Firstly, in this study, a brief updated description and applications of different solar collectors used in renewable energy systems for supplying electric and thermal energy was presented. Secondly, an attempt was made to utilize tilting orientation of solar collector for maximizing collector energy with time in respect to horizontal orientation. For energy calculation, global solar radiation was used since they are directly related.  For that purpose, field measurements of half-hourly radiation on two flat panels of tilting and horizontal orientations were carried out throughout 8-month period under local climate of Baghdad. Then, energy gain and radiation level averages were calculated based on the field radiation