The research aims to shed light on banking liberalization and explain its impact on attracting customers, especially since Iraq adopted this policy after (2003) due to the changes that occurred, as the Central Bank of Iraq granted flexibility to banks in setting the interest rate on deposits and loans as well as allowing the entry of foreign banks in the local environment. The research relied on the analytical method for the dimensions of banking liberalization represented by (liberating interest rates, liberating credit, legal reserve requirements, entering foreign banks, privatization) as well as the factors affecting the attraction of customers, and a number of Iraqi banks listed in the Iraqi Stock Exchange were selected as a sample for research The duration of the research was determined from 2003-2019, and after the analysis, one of the most important findings of the research was that Iraq implemented the policy of banking liberalization after the issuance of the new banking law No. (94) for the year (2004) despite the difficulties that faced the country at that timeو One of the most important recommendations that came out of the research is the need to achieve security, political and economic stability for the development of the banking sector and the success of the policy of banking liberalization and benefit from its advantages to attract the largest number of customers.
Currently voting process is paper based form, by using voting card or paper; thus the counting method is done manually, which exhausts a lot of time. Obsolete votes may be possibly occurring. This paper introduced a system in which voting and counting is done with the help of computer. The election process would be easier, it saves time, avoid errors while counting and obsolete votes are reduced. Electronic voting (E-voting) system is a voting system in which the election related data is stored and handled digitally, it would become the quickest, cheapest, and the most efficient way to administer election and count vote it is considered a means to further enhance and strengthen the democratic processes in modern information societies. Th
... Show MoreFive subsurface sections and a large number of thin sections of the Hartha Formation (age Late Campanian – Early Maastrichtian) were studied to unravel the depositional facies and environments. The Hartha Formation is important as an oil reservoir in Iraq.
Petrographic and microfacies analysis of selected wells from Balad and East Baghdad oil fields in Central Iraq, enable the recognition of three main Sedimentary paleoenvironments. These are restricted marine, the shallow open marine environment within the inner ramp, deep outer ramp.
The studied Formation represents by two asymmetrical cycles bounded below by sequence boundary (SB1) the contact between Hartha and Saadi Formations. The deep outer ramp facies of
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A total of 13 samples of domestic cat Felis cattus (Linnaeus, 1758 ) and 9 samples of wild cat Felis chaus furax (de Winton, 1898) of the Felidae Family were trapped and examined to detect the hard ticks. The areas of the collection were: Baghdad, Al-Rashidiya, Tharthar, Nahrawan, AL-Mahmoudiya (middle of Iraq) and AL-Haretha (south of Iraq), Mosul (north of Iraq). The results of the current study revealed that four species belong to two genera of hard ticks: Haemaphysalis sp. (Koch, 1844), Rhipicephalus turanicus (Morel, 1969), Rhipicephalus sanguineus (Neumann, 1904) and Rhipicephalus appendiculatus (Santos, 1955). The rates and the density of infestation were discussed. The current study aimed to clarify the infestation differe
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Salmonellosis in poultry is one of the most significant bacterial infections causing mortality, reduced production, and serious economic losses. This study aimed to study the molecular diversity among Salmonella isolates and investigate the epidemiological spread of these bacteria in broiler and layer chicken flocks in five different farms in Karbala, Iraq, using random amplified polymorphic DNA (RAPD) polymerase chain reaction (PCR). In total, 217 cloac a swabs were collected from the farms, out of which 129 and 88 swabs were taken from broiler and layer chickens. The samples were screened by PCR for S. enterica subsp. enterica using primers specific for the invA gene. Afterward, RAPD-PCR with uniplex or multiplex octamer primers was appli
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The Yamama Formation represents a part of the Late Berriasian-Aptian sequence, deposited during the Early Cretaceous period within the main shallow marine depositional environment. The studied area covers three oil fields; Sindbad oil field, Halfaya and Ad'daimah oil field, located in southeastern Iraq. Six major microfacies were recognized in the succession of the studied area represented by the Yamama Formation to determine and recognize depositional paleoenvironments. These microfacies are; Peloidal Packstone, Algal Wackestone to Packstone, Bioclastic Wackestone – Packstone, Foraminiferal Bioclastic Wackstone, Packstone, Peloidal – Oolitic Grainstone and Mudstone Microfacies. These microfacies are classified int
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A total of sixty raw milk samples were collected from (street vendors and shops) from Baghdad city, Iraq. The samples were inoculated into peptone water and, then, subcultured onto MacConkey agar and Blood agar. Identification of isolates was confirmed by microscopic examination, cultural characteristic, biochemical tests, Vitek (VITEK®2 system), and Biolog GN substrate reactions followed by 16S rRNA and specific genes sequencing. Of 60 raw cow’s milk samples, Providencia spp. were identified only in 4 samples (6.67%) and P. rettgeri was the most common, 2/4 (50%), followed by P. stuartii and P. vermicola, 1/4 (25%). Antimicrobial susceptibility tests were conducted against ten antibiotics by the disc diffusion method. All Provid
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Calcareous nannofossils were documented from the upper part of the Cretaceous Balambo Formation in northern Iraq with the aim of determining an evidence for the Oceanic Anoxic Event. A detailed investigation of the calcareous nannofossils led to the identification of twenty-four species. Regarding these data, Discolithus litterarius (Górka, 1957) was identified at the studied interval with the age of Early Aptian.
Early Aptian assemblages are dominated by nannoconids that drop sharply within the D. litterarius nannofossil zone, which may be related to the nannoconid crisis recorded in the Early Aptian in the other parts of the world. This event is coincided by a decrease in CaCO3<
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The Order Sphaerocarpales of the bottle liverwort consists of five genera, among which Sphaerocarpos in turn consists of 8-9 species. The genus is nearly worldwide distributed, but disjunct, sporadic, and localized throughout the range in North America, South America, Europe, Africa, and Australia. According to the published checklist, only two species of Sphaerocarpos were recorded in the middle east countries. These are S. texanus and S. michelii, both were found in Turkey, while only the latter was found in Iraq. By the current study, an additional species, S. donnellii, will be added to the byroflora of the Middle East (south west Asia) region. A specimen of this s
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This study deals with the petrology of Injana Formation (Upper Miocene) at
Zawita, Amadia and Zakho areas. The sandstone of Injana Formation is of two
typesnamely, litharenite and feldspathiclitharenite. The rock fragments of Injana
Formation are mostly sedimentary and hence the sandstones are classified as
sedarenite and more specifically chertarenite owing to the predominance of chert
rock fragments. The sandstone is mineralogicallysubmature rangingfrom
mechanically and chemically stable tounstable. The petrographic studies reveal
nearness of source area with arid to semi-arid climate. The source rocks are
sedimentary, low- to medium-grade metamorphic and basic volcanic rocks. They are
mostly supplied from th