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Analytical Study of National Housing Finance Policies and Implementation Strategies Case Study: Baghdad Governorate

           Housing finance is one of the main components of housing, and it is relied upon to help families buy, build, add building, and housing improve. Accordingly, different countries all over the world set policies and strategies for the purpose of organizing and developing the financial sector to solve quantitative and qualitative housing problems.

This research aims to identify housing finance policies and strategies in Iraq and Baghdad governorate.

The most prominent sources of housing financing are the Real Estate Bank and the Housing Fund, and accordingly the focus has been on the role of these two institutions in filling the housing need in the governorate.

The ratio of the loan to the value of the house reached approximately 38%, which is a small percentage compared to the countries of the world, and the percentage of loan repayment installments is not commensurate with low-income people, especially employees among them.

 Despite the good role played by the Real Estate Bank and the Housing Fund, but the policy that these institutions lend to secondary (commercial) institutions is difficult to implement, due to the limited government allocations. Therefore the directing low-interest government funds to low-income households have not been implemented, and new regulations and instructions have not been proposed to increase affordability. So the role of commercial and Islamic banks to enter the real estate finance activity is still weak .

 

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Publication Date
Wed May 01 2019
Journal Name
Iraqi Journal Of Science
Biosorption of Pb and Ni From Aqueous Solution by Staphylococcus Aureus, Pantoea and Pseudomonas Aeruginosa

     The presence of heavy metal in environment associated with several health problems. The clean up environment from lead (Pb) and Nickel (Ni) represent major challenges. In his study, planktonic and immobilized bacteria were used to purify the water from Pb and Ni in Lab. In the present study, three bacterial isolates of Staphylococcus aureus (isolated from wound swaps), Pseudomonas aeruginosa (isolated from wound swaps) and Pantoea (isolated from urine samples) and identified using biochemical methods to check their ability to biosorb Pb and Ni. Ten PPM of Pb and Ni were added to the deionized distilled water and 107 c.f.u. of planktonic bacteria were used to biosorpe Pb and Ni. Similar experiment was repeated but

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Publication Date
Sun Jul 29 2018
Journal Name
Iraqi Journal Of Science
Isolation and identification of Citrobacter freundii from chicken meat samples using cultural and molecular techniques

Because of Citrobacter freundii medical and economical importance and that there are only little local studies about it, this study aimed to isolate and identify this important bacterial species from others that have a similar biochemical and morphological characteristics. Twenty five chicken meat samples were collected randomly from local markets in Baghdad city during 2017; Citrobacter was isolated from the collected samples using selective and differential media and identified using biochemical tests, the identification was confirmed using Vitek 2 compact and polymerase chain reaction for 16S rRNA and the isolated bacteria identified as C. freundii.

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Publication Date
Thu Apr 28 2022
Journal Name
Iraqi Journal Of Science
Microscopic calculations of effective charges and quadrupole transition rates in Si, S and Ar isotopes.

Quadrupole transition rates and effective charges are calculated for even-even Si,
S and Ar isotopes based on sd and sdpf -shell model spaces. Shell model
calculations are performed with sd shell-model space for neutron number (N) ≤ 20
and sdpf shell-model space for N > 20. Excitation out of major shell space are taken
into account through a microscopic theory which allows particle-hole excitation
from the core and model space orbits to all higher orbits with 2 excitation.
Effective charges are obtained for each isotope. The results show a systematic
increase in the B(E2) values for N 20. Shell model calculation predicts the erosion
of the N=28 magicity in the neutron rich 42Si. No clear indications abo

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Publication Date
Wed Feb 08 2023
Journal Name
Iraqi Journal Of Science
Extraction and Characterization of Antifungal Substances from Brevundimubsonas diminuta and Their Effect on Fusarium oxysporum

Eighty one bacterial isolates were obtained from 53 soil samples of different plants rhizosphere. All the isolated bacterial were screened for antifungal effect against Fusarium oxysporum . Three isolates gave antifungal activity with inhibition zone ranged between (0.5-2.5 cm). Two isolates (Bd1 and Bd2) were Brevundimonas diminuta, while the third (Pf1) was Pseudomonas fluorescence . B. diminuta (Bd1) which used in this study isolated from Raphanus sativus gave the highest inhibition zone against F. oxysporum. Cell free supernatant of B.diminuta(Bd1) was better in antifungal activity than bacterial cells against F. oxysporum. The highest antifungal substance production was obtained from mineral salt broth containing 1% peptone after in

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Publication Date
Fri Dec 29 2023
Journal Name
Iraqi Journal Of Agricultural Sciences
EFFECT OF ORGANIC FERTILIZER AND BORON FOLIAR ON QUANTITATIVE AND QUALTITATIVE TRAITS POTATO FOR PROCESSING

A field experiment was carried out at University of Baghdad, College of Agricultural Engineering Sciences during fall season of 2020 and spring season of 2021. This study was aimed evaluate the effect of the organic fertilizer and boron foliar on the yield of potatoes for processing. The factorial experiment (5*4) within RCBD and three replicates. The organic fertilizer as palm peat at four levels (0, 12, 24 and 36 ton. ha-1) in addition to the chemical fertilizer recommendation treatment. Boron at four Concentrations 0, 100, 150 and 200 mg. L-1 . The results revealed significant different among application of organic fertilizer at the level of 24 ton. ha-1 and the foliar application of boron at a concentration of 100 mg. L-1 in the

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Publication Date
Tue Jul 02 2024
Journal Name
Baghdad Science Journal
Synthesis, characterization, industrial and biological studies of azo dye ligand and their some metallic ions

4-((2-hydroxy-3,5-dinitrophenyl)diazenyl)-1,5-dimethyl-2-phenyl-1H-pyrazol-3(2H)-one was produced through the reaction of diazonium salt from 4-amino antipyrine with 2,4-dinitrophenol. This ligand is examined by (UV-Vis, FTIR,1H,13CNMR, and LC-Mass) spectral techniques and micro elemental analysis (C.H.N.O). Co(II), Ni(II), Cu(II), and Zn(II) complexes were also performed and depicted. Metal chelates were distinguished by utilizing flame atomic absorption, infrared analysis, and elemental, visible, as well as ultraviolet spectroscopy, in addition to conductivity and magnetic quantification. Methods of mole ratio and continuous contrast have been studied to determine the nature of the compounds. Beer's law was followed throughout a co

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Publication Date
Sun Sep 02 2012
Journal Name
Baghdad Science Journal
Synthesis , Spectroscopic and Antibacterial Studies of Zinc(II) Complexes Derived from Salicylaldehyde, Leucylalanine and Glycylglycine

Two Schiff base ligands L1 and L2 have been obtained by condensation of salicylaldehyde respectively with leucylalanine and glycylglycine then their complexes with Zn(II)were prepared and characterized by elemental analyses , conductivity measurement , IR and UV-Vis .The molar conductance measurement indicated that the Zn(II) complexes are 1:1 non-electrolytes. The IR data demonstrated that the tetradentate binding of the ligands L1 and L2 . The in vitro biological screening effect of the investigated compounds have been tested against the bacterial species Staphlococcus aureus, Escherichia coil , Klebsiella pneumaniae, Proteus vulgaris and Pseudomonas aeruginosa by the disc diffusion method . A comparative study of inhibition values of

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Publication Date
Wed Jan 01 2020
Journal Name
Methods And Objects Of Chemical Analysis
Derivative Spectrophotometric Determination For Simultaneous Estimation Of Isoniazid And Ciprofloxacin In Mixture And Pharmaceutical Formulation

A simple analytical method was used in the present work for the simultaneous quantification of Ciprofloxacin and Isoniazid in pharmaceutical preparations. UV-Visible spectrophotometry has been applied to quantify these compounds in pure and mixture solutions using the first-order derivative method. The method depends on the first derivative spectrophotometry using zero-cross, peak to baseline, peak to peak and peak area measurements. Good linearity was shown in the concentration range of 2 to 24 μg∙mL-1 for Ciprofloxacin and 2 to 22 μg∙mL-1 for Isoniazid in the mixture, and the correlation coefficients were 0.9990 and 0.9989 respectively using peak area mode. The limits of detection (LOD) and limits of quantification (LOQ) wer

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Publication Date
Mon Mar 01 2021
Journal Name
Journal Of Management In Engineering
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Publication Date
Mon Jan 01 2024
Journal Name
Current Chemistry Letters
Synthesis and characterisation of novel metal-organic frameworks (MOFs) based on zirconium and bicinchoninic acid

Metal-organic frameworks (MOFs) are a relatively new class of materials of unique porous structures and exceptional properties. Currently, more than 110,000 types of MOFs have been reported among the countless possibilities. In this study, we have synthesised a novel MOF using zirconium chloride as the metal source and 4,4'-dicarboxy-2,2'-biquinoline (bicinchoninic acid disodium salt) as the linker, which reacted in N,N-Dimethylformamide (DMF) solvent. Three preparation methods were employed to prepare five types of the MOF, and they were compared to optimize the synthesis conditions. The resulting MOFs, named Zr-BADS, were characterised using scanning electron microscopy (SEM), energy dispersive spectroscopy (EDS), microscopy, and

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