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.
Studies of three surface sections of the Euphrates Formation in its type locality Western Iraq, yielded a rich benthic foraminifera. Tabulation of the results showed more or less similar content which are previously studied except for the presence for the first time of Triloculina trigonula Lamark, Triloculina tricarinata D'orbigny in the lower parts and Spirolina cf. cylindracea Lamark in the upper parts. In addition two Biozone established in the studies sections, the lower Ammonia beccarii zone and upper Ammonia beccarii-Borelis melo curdica zone
Mapping groundwater quality Index for irrigation is of great importance for agricultural issues. As groundwater is a vital source of water for domestic and agricultural activities in Iraqi Western Desert area, where the study area (Dibdibba aquifer) represents the extreme eastern part of it, evaluation of groundwater quality and its suitability for irrigation is important. This study aims to develop decision support tools for identifying the optimal locations of groundwater regarding its quality to meet the future demands of the study area. Samples were collected during the wet season (April-May 2017 (and analyzed for determining the physicochemical properties. The indices used in the quality assessment were the sodium adsorption r
... Show MoreThe trematode Plagioporus skrjabin iKowal, 1951 was recorded in this study for the first time in Iraq from intestine of Mystus pelusius
(Solander, 1794) which were collected from different locations along Tigris River near Al-Shawwaka region, Baghdad city. The description and measurements of this parasite as well as its illustration were given.
Teaching techniques are the vehicles, which are used by teachers to help pupils learn and gain experiences and create positive classroom activities, as much as these techniques are varied, they lead to successful and fruitful learning in the foreign language. They help teachers achieve their objectives (Asowrth, 1985: 124).
The English language teacher's work is an active and purposeful one when he can plan carefully and frequently make the necessary changes in the contents and methods of teaching programme to fit the interest and needs of pupils. It seems that the majority of primary English teachers' interests does not go far in planning their work, and do not understand which o
... Show MoreThe current study aimed to determine the morphometric and meristic characteristics of the North African catfish Clarias gariepinus (Burchell, 1822). Six specimens of C. gariepinus were collected from the Tigris River, in central Iraq. This study is considered the confirmation first record of this species in Iraq, and the second documentation of this exotic fish. The present species is characterized by a very long dorsal fin, a rounded caudal fin and four pairs of barbels.
Iraq is a developing country with a high population. In Iraq, heavy metal and metalloid contamination has resulted from both industrialisation and environmental sources, providing serious health risks to the local population. We conducted one of the most comprehensive analyses on the current state of Iraq's heavy metal and metalloid pollution in this paper, which included water, soil, paddy, and rice. A study was carried out to determine the concentration of heavy metals including Lead (Pb), Cadmium (Cd), Iron (Fe), manganese (Mn), Cobalt (Co), Magnesium (Mg), Aluminum (Al), and Copper (Cu) of 39 irrigation water samples, 75 soil samples, 75 paddy samples, and 75 rice samples in two Iraqi governorates (Diyala , and Salah al-
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In this research, a qualitative seismic processing and interpretation is made up
through using 3D-seismic reflection data of East-Baghdad oil field in the central part
of Iraq. We used the new technique, this technique is used for the direct hydrocarbons
indicators (DHI) called Amplitude Versus Offset or Angle (AVO or AVA) technique.
For this purposes a cube of 3D seismic data (Pre-stack) was chosen in addition to the
available data of wells Z-2 and Z-24. These data were processed and interpreted by
utilizing the programs of the HRS-9* software where we have studied and analyzed
the AVO within Zubair Formation. Many AVO processing operations were carried
out which include AVO processing (Pre-conditioning for gathe
Often times, especially in practical applications, it is difficult to obtain data that is not tainted by a problem that may be related to the inconsistency of the variance of error or any other problem that impedes the use of the usual methods represented by the method of the ordinary least squares (OLS), To find the capabilities of the features of the multiple linear models, This is why many statisticians resort to the use of estimates by immune methods Especially with the presence of outliers, as well as the problem of error Variance instability, Two methods of horsepower were adopted, they are the robust weighted least square(RWLS)& the two-step robust weighted least square method(TSRWLS), and their performance was verifie
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Background: Bone mineral density has been assessed using Dual-Energy X-Ray Absorptiometry. Bone mineral density is measured according to the results of the Dual-Energy X-Ray Absorptiometry examination of the vertebral column and pelvis. Although diabetes mellitus type II (DM) is known to affect bone mineral density, at the present time this particular relationship is not clear. Objective: The aim of current study was to evaluate the effects of type II diabetes mellitus on bone mineral density of the upper and lower limbs as well as gender differences. Patients and Methods: This study involved 165 patients complaining of bone pain (85 males and 80 females), 85 patients of who suffered from diabetes, involving both genders. In addition,
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