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.
An experimental study is made here to investigate the discharge coefficient for contracted rectangular Sharp crested weirs. Three Models are used, each with different weir width to flume width ratios (0.333, 0.5, and 0.666). The experimental work is conducted in a standard flume with high-precision head and flow measuring devices. Results are used to find a dimensionless equation for the discharge coefficient variation with geometrical, flow, and fluid properties. These are the ratio of the total head to the weir height, the ratio of the contracted weir width to the flume width, the ratio of the total head to the contracted width, and Reynolds and Weber numbers. Results show that the relationship between the discharge co
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This researd exhibit's a method to determine the change in Gibbs function,(enthai py,entropy. and specific heat capacity) tor monovariant heterogeneous equilibria .The thermodynamical quan.tities were obtained jndirectly with m the measurment of temperature dependent on eql,lilibrium system.
This research deals with the effects of welding variables using MIG/MAG spot by using Argon (Ar) gas and CO2 to show their effect on the mechanical characteristics and microstructure of low alloy steel type DIN15Mo3 and determine the optimum condition for the process of welding ; current & time. The results show the possibility of using CO2 and also Ar in low alloy steel welding with a little decrease in the shear force of not more than 13% for 4mm thickness and time 2sec. The shear force increased when using Ar instead of CO2 to be , The shear force reach 36KN when using Ar at 2mm thickness time of 8 sec and current of 220 Amp. , when used CO2 instead of Ar d
... Show MoreThree bacterial species were isolated from three polluted soils with gasoline which leaks from electricity generators that used in different regions in Baghdad; the regions choices to collect the polluted soils were (Al-Shaab, Al- Jadryia and Al-Saydiya). The bacterial species were identified according to international biochemical methods. It was found that these species were Escherichia coli, Enterobacter aerogenes and serratia marcesens. It was found that the optimum temperature and pH were 37C°and 9 these were to cultivate E.coli and S.marcesens, while for E.aerogenes were 25 C° and 9. &
... Show MoreThe free zone or the free economy cities are cities with classification and functional specificity, although the history of the concept of these areas has been It dates back to distant eras, but the intellectual and philosophical construction with the support of intellectual approaches, the most important of which is globalization contributed to its rapid spread globally and taking a variety of forms and models. With the diversity of its formulas and objectives countries have competed in adopting the establishment of these areas, meanwhile The influence of related trends affected the contemporary formation of these sites. Therefore ,the research was directed focus on the importance of adopting a set of common indicators (collection
... Show MoreThis work was carried out to investigate the shrinkage properties of insulator ceramic body, and the effect of changing the ratio of concentration of electrolyte solution on these properties. The electrical insulator body was prepared by using Iraqi local materials. These are :- kaolin Duakhla, Arudhuma Sand glass, and potash feldspar with weight percentage (45%, 25%,and 30%) respectively. The processes of milling, classification, mixing, forming and firing, through the process of mixing electrolyte solution and mineralizer were added at different concentrations for electrolyte solution, (1%, 0.7%, 0.5%, 0.2%, and 0.1%). The electrolyte solution was prepared by mixing sodium carbonate and sodium silicate by (2:1) ratio
... Show MoreA theoretical study was done in this work for Fatigue. Fatigue Crack Growth (FCG) and stress factor intensity range for Ti2 SiC 3 . It also includes Generalized Paris Equation and the Fulfillment of his equation which promise that there is a relation between parameters C and n. Simple Paris Equation was used through which we concluded the practical values of C and n and compared them with the theoretical values which have been concluded by Generalized Paris Equation. The value of da/dN and ∆K for every material and sample were concluded and compared with the data which was used in the computer p
... Show MoreModified asphalt is considered one of the alternatives to address the problems of deficiencies in traditional asphalt concrete, as modified asphalt addresses many of the issues that appear on the pavement layers in asphalt concrete, resulting from heavy traffic and vehicles loaded with loads that exceed the design loads and the large fluctuations in the daily and seasonal temperatures of asphalt concrete. The current study examined the role of polyphosphoric acid (PPA) as a modified material for virgin asphalt when it was added in different proportions (1%, 2%, 3%, 4%) of the asphalt weight. The experimental program includes the volumetric characteristics associated with the Marshall test, the physical properties, and th
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The change in project cost, or cost growth, occurs from many factors, some of which are related to soil problem conditions that may occurs during construction and/or during site investigation period. This paper described a new soil improvement method with a minimum cost solution by using polymer fiber materials having a length of (3 cm) in both directions and (2.5 mm) in thickness, distributed in uniform medium dense .
sandy soil at different depths (B, 1.5B and 2B) below the footings. Three square footings has been used (5,7.5 and 10 cm) to carry the above investigation by using lever arm loading system design for such purposes.
These fibers were distributed from depth of (0.1B) below the footing base down to the investigated dep
The aim of this paper is to measure the characteristics properties of 3 m radio telescope that installed inside Baghdad University campus. The measurements of this study cover some of the fundamental parameters at 1.42 GHz. These parameters concentrated principally on, the system noise temperature, signal to noise ratio and sensitivity, half power beam width, aperture efficiency, and effective area. These parameters are estimated via different radio sources observation like Cas-A, full moon, sky background, and solar drift scan observations. From the results of these observations, these parameters are found to be approximately 64 K, 1.2, 0.9 Jansky, 3.7°, 0.54, and 3.8 m2 respectively. The parameters values have vital affect to quantitativ
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