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.
The structure of the interrogation process in cross-examinations is said to be diverse and complex in terms of question-response typology. This is because the counsel has to extract truth from an opposing party’s witness whose views are expected to advocate that party's views regarding the case. Accordingly, the study which is basically quantitative in nature aims to investigate what the examining party intends to obtain out of these questions and which of these questions are the most prevalently used. It also aims to measure the amount of cooperativity in witnesses' responses. Accordingly, three transcripts of cross-examination have been analyzed, using a pragmatically-oriented approach. The approach draws on Stenstorm (1984) and Arch
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Schools and artistic trends derive their themes from artistic styles and styles as methods followed by the artist to express his themes embodied in the values of artistic and plastic elements as symbols and signs that can be described according to the type of art school and the extent to which the artist is influenced in employing them as a goal to achieve the plastic achievement in the painting, and from those vocabulary (human beings nature Life) as encoded messages that have an appearance and an interior, the appearance of which are forms, colors, formats and distributions of space and their interior meanings and semantics embody attitudes, events and circumstances that stem from the social depth and daily life and derive their comp
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Expansion the engineering consultancy offices in the universities of Iraq, about (14) offices, leading to increas the competition between them, especially after the great trends of Iraqi government agencies to use the academic experiences and their efficiencies in general, due to non-existence of the engineering qualification in the government institutions to do the engineering designs ,supervision of projects and other engineering works which are practicing by the engineering consultancy offices in order to get the best performance of the work.Within this serious competition, needing a specific approach to enable government agencies to choose the optimal and alternative consultancy office to meet specific project and not rely on cronyis
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The objective of an Optimal Power Flow (OPF) algorithm is to find steady state operation point which minimizes generation cost, loss etc. while maintaining an acceptable system performance in terms of limits on generators real and reactive powers, line flow limits etc. The OPF solution includes an objective function. A common objective function concerns the active power generation cost. A Linear programming method is proposed to solve the OPF problem. The Linear Programming (LP) approach transforms the nonlinear optimization problem into an iterative algorithm that in each iteration solves a linear optimization problem resulting from linearization both the objective function and constrains. A computer program, written in MATLAB environme
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A new chelate polymer (2-5-hydroxy-3-methyl-2- (3-nonyl benzene) imino) methyl) benzyl) 4-6-dimethyphenol] (K4) was prepared by using the condensation reaction method and identified by several techniques, including FT-IR, NMR, and atomic absorption spectroscopy, as well as TG-DTA thermal analysis. The kinetic equilibrium for the sorption of lead and cadmium ions on the chelate polymer surface was also investigated. The results showed that the sorption of both ions followed the pseudo-first-order and pseudo-second-order kinetic equilibrium. The rate constant values of pseudo-first-order reaction were equal to 0.062 and 0.057 min-1 , while the values of pseudo-second-order were 0.0103 and 0.053 L.m
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In this study four species from Solanaceae family was conducted. These four species belong to four different genera (Solanum L. ? Physalis L. ?Withania Pauq. ? Lycium L.) The study included morphological characters of sex organs and their pollen grains for these Iraqi wild plants.The results showed that the position of epipetalous stamens , the shape of anther, their dimensions ,and the length of filaments are important taxonomical characters .On the others hand the shape of their ovaries and stigmas are also important characters in distinguish between these four species .Pollen grains are similar in their general shapes and polarities, they have three germinal furrows and germinal apertures, so they are minor in distinguish between these f
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The purpose of this research is to enhance the methods of surface seismic data processing and interpretation operations by using the produced information of vertical seismic profile (measured velocity and corridor stack). Sindbad oil field (South of Iraq) is chosen to study goals and it's containing only one well with VSP survey (Snd2) that covering depth from Zubair to Sulaiy Formations and 2D seismic lines of Basrah Survey. The horizons were picked and used with low frequency contents from well data for the construction of low frequency model and it was used with high frequency of VSP to make the high frequency model that compensated to seismic main frequency through inversion process. Seismic inversion technique is performed on post s
... Show MoreThe hydrochemical study of the surface and groundwater in Khan AL-Baghdadi area included interpretation of physical, chemical and biological properties of 14 wells and 6 surface water samples collected from Euphrates River.. The study covered two periods representing dry and wet periods in October 2018 and April 2019, respectively. The surface water samples were characterized as slightly alkaline, fresh water, excessively mineralized, calcium-chloride type, and hard to very hard class. While the groundwater samples were characterized as slightly alkaline, brackish water, excessively mineralized, calcium-chloride and sodium-chloride type, and hard to very hard class. The assessment of water for irrigation purposes for bo
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