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.
Recently The problem of desertification and vegetation cover degradation become an environmental global challenge. This problem could be summarized as as the land cover changes. In this paper, the area of Al- Muthana in the south of Iraq will be consider as one of Semi-arid lands. For this purpose, the Ladsat-8 images can be used with 15 m in spatial resolution. In order to over Achieve the work, many important ground truth data must be collected such as, rain precipitation, temperature distribution over the seasons, the DEM of the region, and the soil texture characteristics. The extracted data from this project are tables, 2-D figures, and GIS maps represent the distributions of vegetation area
... Show MoreThe species Bostrichus capucinus (L.) (Coleoptera:Bostrichidae) was reported as a new record for Iraq. Diagnostic characters and some information are given .
A surface section of the Gercus Formation (Middle-Late Eocene) was studied in Berafat area, Dohuk Governorate, Northern Iraq. The Gercus Formation consists of a mixed siliciclastic sediments, evaporates and carbonate sequences in the studied region, predominantly in the upper and middle parts. Nevertheless, it usually consists of upward-fining carbonate-rich sandstone cyclothems, marl, conglomerate and siltstone along with a gypsum lens and thin micrite carbonate beds. The Gercus Formation was deposited in delta and delta front of occasionally depositional environment which is represented by red-brown claystone and reddish-brown mudstone lithofacies. Cross bedded pebbly sandstone, trough cross-bedded sandstone and lamin
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The current study included the collection of soft samples for Ipomoea carnea Jacq. The anatomical properties of the leaf, which included the characteristics of the surface epidermis, the vertical section of the leaf, the transverse section of the petiole, the pedicel and the indumentum, as well as the study of leaf venation, were examined
Four species of insects, Carpophillus obsoletus Er., Carpophilus sp., Bitoma lycnformis Wall and Scatopse sp., were found in association with infected spathes of date palm with Mauginella scaettae Cav. The later fungus was the dominant species isolated in pure cultures both from diseased spathes and from contaminated insects. Bitoma lycriformis is the first record for Iraq.
This essay aims to highlight the most important issues and difficulties facing implementing large projects that follow the turn-key method, considered one of the types of contractual methods in Iraq, especially for large and complex projects requiring speedy completion. The projects implemented in this way face delays and delays in completion, which led to the lack of benefit from the projects for which they were implemented, especially those affecting the lives of citizens within the health sector. The case study dealt with the construction of hospitals with multi-bed capacities within multiple governorates in Iraq, With large financial allocations within the federal budget of the Government of Iraq over several years.
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Recently The problem of desertification and vegetation cover degradation become an environmental global challenge. This problem could be summarized as as the land cover changes. In this paper, the area of Al- Muthana in the south of Iraq will be consider as one of Semi-arid lands. For this purpose, the Ladsat-8 images can be used with 15 m in spatial resolution. In order to over Achieve the work, many important ground truth data must be collected such as, rain precipitation, temperature distribution over the seasons, the DEM of the region, and the soil texture characteristics. The extracted data from this project are tables, 2-D figures, and GIS maps represent the distributions of vegetation areas, evaporation / precipitation, river levels
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The Yamama Formation was studied in three wells (Fh-1, Fh-2, and Fh-3) within Faihaa oil field, south Iraq. Thin sections were studied by using the polarizing microscope examination in order to determine microfossils and biozone. Thirty-five species of benthic foraminifera were recognized, including four index species. In addition, twelve species of calcareous green algae were recognized, including two index species. Other fossils that were recognized in Yamama Formation include Gastropoda, Bryozoa, Coral, Rudist, and Pelecypoda.
Six biozones were observed, which are Charentia cuvillieri sp. (Range Zone of Berriasian age), Psudochryalidina infracretacea
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The present study included the collection of fresh samples of species of genus Oxalis and examined the anatomical characteristics of the stem, scape, petiole, leaf and pedicel