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.
To know the effect of bio-enhancer (zeolite), biohealth, mineral fertilizers and their interactions, the possibility of replacing mineral fertilizers with bio-enhancers and bio-enhancers, and their effect on some potato yield measurements. A field experiment was conducted at one of the field stations of the College of Agricultural Engineering Sciences, University of Baghdad, near the electronic calculator center, research station (F) in Al-Jadriya region in the loam mixture soil during autumn season 2021-2022 AD, It was designed using a completely randomized block design (RCBD) with three replicates. The factors of the study experiment included three levels of zeolite (0, 6 tons ha-1, and 12 tons ha-1), which were symbolized by (Z0)
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Tests were performed on Marshall samples and were implemented for permanent deformation and resilient modulus (Mr) under indirect tensile repeated loading (ITRL), with constant stress level. Two types of liquid asphalt (cutback and emulsion) were tried as recycling agents, aged materials that were reclaimed from field (100% RAP), samples were prepared from the aged mixture, and two types of liquid asphalt (cutback and emulsion) with a weight content of 0.5% were utilized to prepare a recycled mixture. A group of twelve samples was prepared for each mixture; six samples were tested directly for ITRL test (three samples at 25˚C and three samples at 40˚C), an average value for ITRL for every three samples was calculated (
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The field experiment was conducted at botanical garden of Department of Biology, College of Education for Pure Science/ Ibn-Al-Haitham, University of Baghdad to study the effect of Lepidium sativum leaves extract and pumpkin seeds Cucurbita pepo in two concentrations 10% and 20% on physiological characters ofPimpinella anisum. The results showed that in either concentration plant heights, dry weight, biological yield, economic yield, weight of 100 fruits, harvest index, absolute growth rate (AGR) were all increased and percentage of oil in fruits as compared with control plants
This study focused on the bactericidal potency of toluidine blue” TBO”photosensitizer and red laser radiation of 635nmwith different doses against multi-drug resistant streptococcus pyogenes (S. pyogenes) isolated from infected burns wounds to see if it is susceptible to photodynamic inactivation .
Atotal of 45 isolates were collected from 38” patients” with infected burnwounds samples were collected from September to December 2019.Burns wounds swabs were employed using standard procedures of swab collection. Among these, eleven isolates were multidrug resistant”S.pyogenes”. More resistant isolates that has been proved to all antibiotics used. This multidrug resistant isolate used in
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Nanocomposite of carbon nanotube add to epoxy resin material of weight fraction ( 0.25, 0.5, 0.75 1.0, 1.25, 1.5, 1.75 , 2 & 2.5 wt. % ) were fabricated by dispersing within an epoxy resin using a Ultrasound machine followed by mechanical stirring. The samples were heat treated at temperature ( 80 °C for 3 hrs) The mechanical properties of the composites were investigated. Wear and hardness properties measurements indicated higher wear rate and hardness with increasing concentration of MWCNTs . The MWCNTs significantly improved the wear resistance and hardness when compare than the pure epoxy. These note show too after heat treatment of composite with ( 80 oC for 3 hrs ).
This study was aimed to reduce the amount of the sprayed solution lost during trees spraying. At the same time, the concentration of the sprayed solution on the target (tree or bush) must be ensured and to find the best combination of treatments. Two factors controls the spraying process: (i) spraying speed (1.2 km/h, 2.4 km/h, 3.6 km/h), and (ii) the type of sensor. The test results showed a significant loss reduction percentage. It reached (6.05%, 5.39% and 2.05%) at the speed (1.2 km/h, 2.4 km/h, 3.6 km/h), respectively. It was noticed that when the speed becomes higher the loss becomes less accordingly. The interaction between the 3.6 km/h speed and the type of Ultrasonic sensor led to a decrease in the percentage of the spray
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This study investigates the characterization and growth dynamics of a Magnetically Stabilized Gliding Arc Discharge (MSGAD) system, generating non-thermal plasma with argon gas under atmospheric pressure and flow rates of 1-5 L/min. The electrical properties and growth patterns concerning gas flow rates and applied voltages were examined utilizing a magnetic field for stability. Using a digital oscilloscope, a correlation between voltage reduction and increased current was uncovered. An algorithm analyzes digital images to compute arc length, area, and volume. Results reveal how gas flow rate and applied voltage directly impact arc growth. Furthermore, the magnetic field's role in guiding and stabilizing the plasma discharge was explored. T
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A study investigated the effects of abetacept (Orencia) drug on the level of liver enzyme and on liver histology in albino male mice. Fourty five adult male mice of 8 weeks age and weighting 25-35g divided into three groups (15 mice each). The second & third groups were treated with abetacept drug while the first group was used as a control.
Abetacept was intraperitoneally given twice every week at 125 mg/kg B.W. and 250 mg/kg B.W. to the second and third groups respectively for 6 weeks, whereas the control group was intraperitoneally injected with normal saline. The results showed a significant (p< 0.05) increase in the levels of liver enzymes [serum alanine aminotransaminase (ALT), serum aspartate aminotransaminase (AST) &
In this paper, the effects of subsurface water retention technology (SWRT) on crop coefficient (kc) and crop evapotranspiration (ETc) of eggplant were investigated in sandy loam soil. For this purpose, two treatments plot (with SWRT and without using SWRT) were adopted during 93 days of cultivation. The study was conducted in open field within Al-Fahamah Township, Baghdad, Iraq during summer growing season 2017. The accumulated ETc of eggplant was 403.3 and 515.2 mm for SWRT treatment and control plot, respectively by reduction percentage 21.7 %. The average values of ETc during the growing season were 4.3 and 5.5 mm/day, respectively. The crop coefficients value during the gro
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Compaction of triticale grain with three moisture contents (8%, 12%, and 16% wet basis) was measured at five applied pressures (0, 7, 14, 34, and 55 kPa). Bulk density increased with increasing pressure for all moisture contents and was significantly (p < 0.0001) dependent on both moisture content and applied pressure. A Verhulst logistic equation was found to model the changes in bulk density of triticale grain with R2 of 0.986. The model showed similar beha
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