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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
Tue Jan 30 2024
Journal Name
Iraqi Journal Of Science
Petrophysical and Statistical Analysis of Main Pay of the Zubair Formation in South Rumaila Oil Field
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     The Zubair Formation is one of the major reservoirs of high production in the Rumaila oilfield, southern Iraq. The petrophysical properties analysis of the Upper Sand Member (Main Pay) of the Zubair Formation was conducted. The study includes results analysis of four wells distributed along the South Rumaila oilfield. Using a set of open well-logs, the main pay was divided into three main pay (AB, DJ and LN) units separated by two insulating shale units (C and K). The unit DJ was subdivided into three secondary reservoir units: D, F, H and the LN unit, which is split into L, M, and N. The research also includes the statistical analysis of the petrophysical properties, the calculation of the heterogeneity of the reservoir, and th

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Publication Date
Wed Aug 30 2023
Journal Name
Iraqi Journal Of Science
Computational Study of the Flow of Newtonian Fluid Through A Straight Channel and Lid-Driven Cavity
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     This article aims to introducenumerical study of two different incompressible Newtonian fluid flows. The first type of flow is through the straight channel, while the second flow is enclosed within a square cavity and the fluid is moved by the upper plate at a specific velocity. Numerically, a Taylor-Galerkin\ pressure-correction finite element method (TGPCFEM) is chosen to address the relevant governing equations. The Naiver-Stoke partial differential equations are usually used to describe the activity of fluids. These equations consist of the continuity equation (conservation of mass) and the time-dependent conservation of momentum, which are preserved in Cartesian coordinates. In this study, the effect of Reynolds number (

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Publication Date
Sat Jan 01 2011
Journal Name
International Journal Of Data Analysis Techniques And Strategies
A class of efficient and modified testimators for the mean of normal distribution using complete data
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Publication Date
Sun Dec 20 2020
Journal Name
Al-mustansiriyah Journal Of Science
Seasonal Variations of the Optimum Reliable Frequencies During Maximum and Minimum Periods of Solar Cycle 24
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In this research, the seasonal Optimal Reliable Frequency (ORF) variations between different transmitter/receiver stations have been determined. Mosul, Baghdad, and Basra have been chosen as tested transmitting stations that located in the northern, center, and southern of Iraqi zone. In this research, the minimum and maximum years (2009 and 2014) of solar cycle 24 have been chosen to examine the effect of solar activity on the determined seasonal ORF parameter. Mathematical model has been proposed which leads to generate the Optimal Reliable Frequency that can maintain the seasonal connection links for different path lengths and bearings. The suggested ORF parameter represented by a different orders polynomial equation. The polynom

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Publication Date
Mon Dec 06 2021
Journal Name
Karbala International Journal Of Modern Science
Calculation and comparison of certain physical properties of sample irregular galaxies with the Milky Way galaxy
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Publication Date
Thu Jun 30 2022
Journal Name
Iraqi Geological Journal
Integrating Petrophysical and Geomechanical Rock Properties for Determination of Fracability of the Iraqi Tight Oil Reservoir
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Tight oil reservoirs have been a concerned of the oil industry due to their substantial influence on oil production. Due to their poor permeability, numerous problems are encountered while producing from tight reservoirs. Petrophysical and geomechanical rock properties are essential for understanding and assessing the fracability of reservoirs, especially tight reservoirs, to enhance permeability. In this study, Saadi B reservoir in Halfaya Iraqi oil field is considered as the main tight reservoir. Petrophysical and geomechanical properties have been estimated using full-set well logs for a vertical well that penetrates Saadi reservoir and validated with support of diagnostic fracture injection test data employing standard equations

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Publication Date
Mon Jan 28 2019
Journal Name
Journal Of The College Of Education For Women
Relation Ship and Effect Of Jet Stream in Anti-Ciyclone in Influencing The Climate Of Iraq
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This study aimed to statement jet stream and its impact in the anti-cyclone affecting the climate of Iraq. Through the use of simple correlation coefficient ( Pearson ) that there is a very strong relationship between high- Siberian and both of the jet stream especially during the winter or over the stations of North . Therefore we, observe the relationship be significant in most of the winter months , spring and autumn . Statistically significant , but are different between station and another station , while the study come to another Anti-ciyclon have a real ,significant and statistically relationship corrclation . But this relationship is less than which found in are much less it with the Siberian high , it depends on the type of stat

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Publication Date
Thu Dec 01 2022
Journal Name
Journal Of University Of Anbar For Pure Science
Isolation and identification of the chemical composition of Salvia Species growing in Iraq by GC-MS
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Publication Date
Sun Jul 09 2023
Journal Name
Journal Of Engineering
Comparative Study for Risk Criteria of Al-Qudus Plant between the Present and Planning of MOE
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The main function of a power system is to supply the customer load demands as economically as possible. Risk criterion is the probability of not meeting the load. This paper presents a methodology to assess probabilistic risk criteria of Al-Qudus plant before and after expansion; as this plant consists of ten generating units presently and the Ministry Of Electricity (MOE) is intending to compact four units to it in order to improve the performance of Iraqi power system especially at Baghdad region. The assessment is calculated by a program using Matlab programming language; version 7.6. Results show that the planned risk is (0.003095) that is (35 times) less than that in the present plant risk; (0.1091); which represents respectable imp

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Publication Date
Tue Apr 01 2014
Journal Name
Journal Of The Faculty Of Medicine Baghdad
Evaluation of the levels of IFN-gamma, IL-10 and Copper in children with Visceral Leishmaniasis.
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Background: Visceral Leishmaniasis( VL ) is a systemic infection of the reticulo- endothelial system that could affect the immune system and biochemical parameters like the concentration of Copper which may be significantly hanged .
Objective: The study aims to evaluate the level of cytokines (INF- γ ,IL-10 ) and trace element (Cu ) in Visceral Leishmaniasis in children after diagnosis .
patients and Methods: A total of 98 children, whose their ages ranged (6 menthes -5 years) were attending the Central Public Health Laboratory and Teaching Laboratories of Medical City, who were suspected to be infected with kala- azar, who were diagnosed by both IFAT technique and Rapid Kala-azar (r-K39) detecting test and trying to evaluate the

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