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.
This study aims to assess the suitability of the sediments present in Tigris River, Tikrit city, northern Iraq for concrete production and road building purposes. Representative samples were collected from three selected stations at the study area using the channel modeling method. According to the grain size analysis, the sediments were classified as a type of poorly graded gravels (GP) depending on the unified soil classification system. The true specific gravity of the soil ranged between 2.28 and 2.568. The chemical analysis of the study samples revealed that gypsum content ranged between 0.82 and 1.69 %. Total soluble salts ranged 2.45- 3.87%, the organic matter content ranged 0.14- 0.76%, and the pH value was between 7.73 and 7.38%
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The study area is encompassed by the 33.59-34.93°N latitudes and 45.44-46.39°E longitudes and divided into four groups with respect to earthquake event locations. We determined fault plane solutions, moment magnitudes, focal depths, and trend of slip with the direction of the moment stress axes (P, N, and T) for 102 earthquakes. These earthquakes had a local magnitude in the range between 4.0 and 6.4 for the time period from January 2018 to the end of August 2019, with focal depths ranged between 6 and 17 km. Waveform moment tensor inversion technique was used to analyze the database constructed from seismic stations on local and neighboring country networks (Iraq, Iran, and Turkey). We separated the studie
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The issue of increasing the range covered by a wireless sensor network with restricted sensors is addressed utilizing improved CS employing the PSO algorithm and opposition-based learning (ICS-PSO-OBL). At first, the iteration is carried out by updating the old solution dimension by dimension to achieve independent updating across the dimensions in the high-dimensional optimization problem. The PSO operator is then incorporated to lessen the preference random walk stage's imbalance between exploration and exploitation ability. Exceptional individuals are selected from the population using OBL to boost the chance of finding the optimal solution based on the fitness value. The ICS-PSO-OBL is used to maximize coverage in WSN by converting r
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Characterization is commonly known in stylistics to be the cognitive process in the readers' minds when comprehending a fictional character in a literary work .In one approach, it is assumed that characters are the outcome of the interaction between the words in the text on the one hand and the contents of our heads on the other. This paper is an attempt to understand how characterization is achieved by applying Culpeper’s (2001) model which seems to be to present a method of analysis that is more objective and more systematic in analyzing characters. Two characters are selected for discussion; Ralph and Jack from Golding’s (1954) Lord of the Flies. The novel talks about the corruption of human beings and the capacity of evil th
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The paper discusses the lack of a uniform definition of politeness due to the constant tension between its universality and language specificity, and argues that some of the theoretical debate could be resolved if the distinction between politeness as a commonsense notion and politeness as a theoretical construct were clearly addressed and acknowledged in the research.
Serum alkaline phosphatase activity has been investigated in three major types of tuberculosis (TB). These were Extra pulmonary primary, Acute miliary, and Primary tuberculosis. Activities were found elevated in these cases studied at basic PH and 37 C. The study concentrated an a comprehensive determination of the rate reaction kinetics of the enzyme reaction in both normal and TB sera. The pseudo first — order plot reflects both values of the first — order association constant (K I) and the half life time (t1/2) of the enzymatic reaction. The activation energy of the reaction (ES-complex formation) with Hill coefficient (n) were both estimated using Arrhenius and Hill plots respectively.
Microbial Desalination Cell (MDC) is capable of desalinating seawater, producing electrical power and treating wastewater. Previously, chemical cathodes were used, which were application restrictions due to operational expenses are quite high, low levels of long-term viability and high toxicity. A pure oxygen cathode was using, external resistance 50 and 150 k Ω were studied with two concentrations of NaCl in the desalination chamber 15-25 g/L which represents the concentration of brackish water and sea water. The highest energy productivity was obtained, which amounted to 44 and 46 mW/m3, and the maximum limit for desalination of saline water was (31% and 26%) for each of 25 g / L and 15 g / L, respectively, when using an ex
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This paper suggesting a new modern method to evaluate the performance of hotel industry at Jordan instead of the classical method used by the industry and that is Bench Marking , this method can be done by comparing the performance of hotel industry at two serial years which helps in calculating a standard performance .
The industry can use this standard to identify the variance, which make the evaluation of performance easier and support the efforts to develop the hotel industry at all levels and enable to give high quality services to customers.
The study believed that this situation would not be achieved unless the hotel industry will app
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This research work aims to the determination of molybdenum (VI) ion via the formation of peroxy molybdenum compounds which has red-brown colour with absorbance wave length at 455nm for the system of ammonia solution-hydrogen peroxide-molybdenum (VI) using a completely newly developed microphotometer based on the ON-Line measurement. Variation of responses expressed in millivolt. A correlation coefficient of 0.9925 for the range of 2.5-150 ?g.ml-1 with percentage linearity of 98.50%. A detection limit of 0.25 ?g.ml-1 was obtained. All physical and chemical variable were optimized interferences of cation and anion were studied classical method of measurement were done and compared well with newly on-line measurements. Application for the use
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Three formations were studied from seven outcrops extend from Surdash to
Shaqlawa (Cenomanian – Santonian), they comprise Dokan, Gulneri and Kometan
Formations. Four microfacies and eight submicrfacies are identified depending on
this microfacies, we determine the depositional environments. Dokan Formation is
deposited in open-marine deep shelf environment; it could be deposited at deeper
shelf to slope and basinal settings. While Gulneri Formation deposited in open sea
shelf, as well as at outer shelf settings, the sediments consist of organic–carbon rich
black shale and consider a record of the ocean anoxic event 2, Kometan Formation
represent pelagic sediments characterize the deep-marine basins in open mar