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The importance of localizing salaries and its impact on the competitive advantage of the banking sector
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Abstract:

           The aim of the research is to demonstrate the impact of the salary localization service in enhancing banking competitive advantage. In order to achieve this goal, salary localization was chosen as an independent variable and its impact was studied on the dependent variable, which is the competitive advantage. The research problem lies in the fluctuation of the salary localization service from one bank to another and the impact of this on the competitive advantage.  The study sample included five private Iraqi banks, namely (the National Bank of Iraq, the International Development Bank, Assyria International Bank, Al Khaleej Commercial Bank, and the Middle East Bank) based on the financial statements and annual reports of the banks for the period from 2017 - 2021. To reach the results, the inductive approach and the descriptive approach were used.  Analytical.  The research concluded that there is an impact of the localization of salaries in enhancing the banking competitive advantage of the banks in the research sample, and one of the most prominent results of this study is that the banks in the research sample, whose salary localization service contributes to increasing the quality of banking service provided to customers and strengthening the customer’s confidence in dealing with the bank from  Through the diversification of its services and keeping pace with the modern development in the banking sector and increasing revenues compared to expenses through electronic services

 (electronic payment systems and eliminating non-working credit facilities through the salary card by direct deduction and achieving competitive advantage by focusing on customer satisfaction, as customer satisfaction has become a decisive factor in  Conditions of Competition in the Modern Business Environment | the introduction. The topic of research helps to achieve the goals of sustainable development the Developed by the unite Nations committees (SDGs) Regarding the economic development of bank.

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Publication Date
Wed May 17 2023
Journal Name
College Of Islamic Sciences
Lessons learned from the personality of Salah al-Din al-Ayyubi and his policy
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The personality of the hero Salah al-Din al-Ayyubi (may God have mercy on him) came from the womb of jihad after difficult travails that the Arab Islamic nation experienced through the jihad of its loyal and honest sons who vowed themselves to God in defense of his religion and law, so between 490 AH - 540 AH outstanding jihadi leaders emerged who took upon themselves the responsibility of jihad and mobilizing the nation's energies To fight its enemies - the Franks, the Crusaders - in the Levant, and those leaders succeeded in achieving impressive victories over the Frankish military effort and regained some cities that were usurped by the Franks. Balak bin Bahram, Suqman, and Jakarmish, but these leaders could not maintain a state of un

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Publication Date
Tue Feb 05 2019
Journal Name
Journal Of The College Of Education For Women
(Novels) Idiom , evolution and properties in the light of critic Shugaa Muslim Al-Aani
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A critics ,Shugaa Muslim Al-Aany, has specific critical principles in his branch
classifications for the type of the novel that is linked with its sources and what is adopted
of critical approaches and curriculums. The novel by its type as a literary one has
occupied Al-Any's critical importance very much ,he has divided it historically according
to its historical development ,the impact of dr.Abd Al-Muhassen Tha Badr's divisions on
Al-Any cannot hidden.
In his speech about the origin of novel and story art generally , Al-Any becomes
between the acknowledgement of the affect of Al-Mgma in rising of this art and denied its
affect at last. He has classified the novel also as a stylistic classification:(an impression

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Publication Date
Wed Jul 17 2019
Journal Name
Iraqi Journal Of Science
Evaluation of the Aquifer Properties Between Al-Khassa Dam and Kirkuk Structure - NE Iraq
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This paper aims to evaluate the hydraulic characteristics of the aquifer between Al-khassa dam and Kirkuk structure, Kirkuk/ NE Iraq. Pumping tests applied for selected wells in the area to evaluate the hydraulic characteristics of the aquifer, special distribution of the water table and groundwater movement direction of the groundwater, the hydraulic properties results of five single pumping test in the study area showed that the transmissivity (T) is ranged between (2.01 to 7. 5 m2/day ), storage coefficient (Sc) ranged (6.4 * 10-3 to 7.3 * 10-2) and the hydraulic conductivity (K) is ranged between (0.025 to 0.35 m/day) that calculated by Winlog software, groundwater discharge of the area is equal to

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Publication Date
Sun Sep 01 2013
Journal Name
Baghdad Science Journal
The Combined Action of Zeolite and Chlorinated Rubber as Flame Retardants for Epoxy Resin
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In this work , the effect of chlorinated rubber (additive I), zeolite 3A with chlorinated rubber (additive II), zeolite 4A with chlorinated rubber (additiveIII), and zeolite 5A with chlorinated rubber (additive IV), on flammability for epoxy resin studied, in the weight ratios of (2, 4, 7,10 & 12%) by preparing films of (130x130x3) mm in diameters, three standard test methods used to measure the flame retardation which are ; ASTM : D-2863 , ASTM : D-635 & ASTM : D-3014. Results obtained from these tests indicated that all of them are effective and the additive IV has the highest efficiency as a flame retardant.

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Publication Date
Sun Apr 16 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
The Calculation of Binding Energies for Even-Even Mg(A=20,22,28 And 30) Isotopes
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The rotational model symmetry is a strong feature of 1d shell nuclei, where symmetry breaking spin-orbital force is rather weak. The binding energies and low-lying energy spectra of Mg (A=20,22,28 and 30) even-even isotopes have been calculated. The interaction used contains the monopole-monopole, quadrupole-quadrupole and isospin dependent terms. Interaction parameters are fixed so as to reproduce the binding of 8 nucleons in N=8 orbit for Z=12 isotope.
 

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Publication Date
Thu Dec 01 2011
Journal Name
Journal Of Engineering
SIMULATION MODEL FOR THE ASSESSMENT OF DIRECT AND INDIRECT GEOREFERENCING TECHNIQUES IN ANALYTICAL PHOTOGRAMMETRY
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This paper compares between the direct and indirect georeferencing techniques in Photogrammetry bases on a simulation model. A flight plan is designed which consists of three strips with nine overlapped images for each strip by a (Canon 500D) digital camera with a resolution of 15 Mega Pixels.

 

The triangulation computations are carried out by using (ERDAS LPS) software, and the direct measurements are taken directly on the simulated model to substitute using GPS/INS in real case. Two computational tests have been implemented to evaluate the positional accuracy for the whole model and the Root Mean Square Error (RMSE) relating to (30) check points show that th

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Publication Date
Thu Feb 27 2020
Journal Name
Iraqi Journal Of Science
Study About the Causative Agents of Cervical Infections and Cytopathological Changes in Iraqi Women
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Cervical infections are common problems among women, specially of reproductive age,  in Iraq ,and are one of numerous risk factors for cervical intraepithelial neoplasia and cervical cancer .

   The aim of this study was to investigate the causative agents of cervicitis and their association with cytopathological changes among 67 cases of women, aged from 16 to 60 years, who attended the  National Cancer Research Center / University of Baghdad, Iraq , during the period from April to December 2018  .

     The age group 36-40 had the highest percentage of cervical infections 13/16 (81.3%) while the age group 56-60 had the lowest percentage 2/6 (33.3%).

   &

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Publication Date
Mon Jun 19 2023
Journal Name
Journal Of Engineering
Modeling and Simulation of Cadmium Removal from the Groundwater by Permeable Reactive Barrier Technology
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The removal of cadmium ions from simulated groundwater by zeolite permeable reactive barrier was investigated. Batch tests have been performed to characterize the equilibrium sorption properties of the zeolite in cadmium-containing aqueous solutions. Many operating parameters such as contact time, initial pH of solution, initial concentration, resin dosage and agitation speed were investigated. The best values of these parameters that will achieved removal efficiency of cadmium (=99.5%) were 60 min, 6.5, 50 mg/L, 0.25 g/100 ml and 270 rpm respectively. A 1D explicit finite difference model has been developed to describe pollutant transport within a groundwater taking the pollutant sorption on the permeable reactive barrier (PRB), which i

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Publication Date
Fri Feb 01 2019
Journal Name
International Journal Of Mechanical Engineering And Technology (ijmet)
INVESTIGATION THE PROPERTIES OF SILICONE RUBBER BLEND REINFORCED BY NATURAL NANOPARTICLES AND UHMWPE FIBER
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Many faces are exposed to degradation, discoloration, changes in humidity. The primary objective has improved some properties of hybrid nanocomposites materials that used for restoring of the function maxillofacial prosthesis and improving the esthetic. In the present research different lengths chopped and continuous of ultrahigh molecular weight polyethylene (UHMWPE) fiber was added at selected percentage (0.0, 0.2% and 1%) to polymer blend composite (95%SR /5%PMMA: 0.2% Pomegranate Peels Powder (PPP)) for developing the properties of silicone rubber used for the maxillofacial prosthesis applications. Some mechanical and physical properties were done on the all prepared samples. The results showed that all properties have improved when add

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Scopus (6)
Scopus
Publication Date
Sat Dec 30 2023
Journal Name
Iraqi Journal Of Science
The Removal of Zinc, Chromium and Nickel from Industerial Waste-Water Using Banana Peels
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The current study was designed for using banana peels to remove zinc, chromium and nickel from industrial waste-water. Three forms of these peels (fresh, dried small pieces and powder) were tested under some environmental factors such as pH, temperature and contact time. Current data show that banana peels are capable of removing zinc, chromium and nickel ions at significant capacity. Furthermore, the powder of banana peels had highest capability in removing all zinc, chromium and nickel ions followed by fresh peels whilst dried peels had the lowest bioremoving capacity again for all metals under test. The highest capacity was for chromium then nickel and finally zinc. All these data were significantly (LSD peel forms = 2.761 mg/l, LSD m

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