This research deals with the risks of non-compliance and its impact on the profitability of Islamic banks. Research variables were measured and analyzed as the risk of non-compliance as an independent variableand profitability as a dependent variable. The profitability was measured by three indicators ((rate of return on assets, rate of return on equity and rate of return on Total deposits)) The results of the research showed a significant relationship between the risk of non-compliance and the rate of return on assets and rate of return on total deposits, while there was no relationship between the risk of non-compliance and rate of return on ownership. The research recommended that the senior management of the Islamic Investment Bank should work to find the appropriate outlets to enhance the banking return by attracting bank deposits and directing investments towards investment channels that are compatible with the nature of Islamic banking work and working in the light of a moderate balance between liquidity, profitability and safety, On the competitive role of the bank with other competitors.
The influence of dye laser Rhodamine 6G (R6G) on the molecular structure of silica aerogel prepared by normal drying method is reported. The study also tests the effect of dye concentration on morphological and physical properties. Fourier Transform Infrared Spectroscopy (FTIR) was used to examine this effect, in addition to Field Emission Scanning Electron Microscopy (FESEM), contact angle, and surface area measurement. It was found from FTIR data that the dye laser stays with the inner structure of samples and, at high concentration, it gives a good influence by reducing (OH) band and increasing (CH) band, leading to changing the contact angle from (123á´¼) to (145á´¼). Whereas particle size varied from 22 n
... Show MoreThe use of Near-Surface Mounted (NSM) Carbon-Fiber-Reinforced Polymer (CFRP) strips is an efficient technology for increasing flexural and shear strength or for repairing damaged Reinforced Concrete (RC) members. This strengthening method is a promising technology. However, the thin layer of concrete covering the NSM-CFRP strips is not adequate to resist heat effect when directly exposed to a fire or at a high temperature. There is clear evidence that the strength and stiffness of CFRPs severely deteriorate at high temperatures. Therefore, in terms of fire resistance, the NSM technique has a significant defect. Thus, it is very important to develop a set of efficient fire protection systems to overcome these disadvantages. This pape
... Show MoreThis study was conducted to determine the effect of different concentrations of ethanol extract of propolis against two fungi Botrytis cinerea, Altrnaria sp. The most important chemical constituents of propolis diagnosed by the Infra Red Spectroscopy, were the Flavonoids specificaly. Results showed a high antifungal activity of ethanol extract of propolis, evidently with a high concentration of extract (5) mg\ml, which completely inhibited the radial growth on both solid and liquid media (PDA &PD Broth ) of both fungi . We observed that , ethanol extract p
... Show MoreАннотация
в статье рассматриваются проблемы преподавания русской литературы в иракской аудитории.. Использование литературы в преподавании иностранного языка, как правило, имеет две цели. Первая-чисто лингвистическая .. Вторая цель, однако, ассоциируется больше с экстралингвистикой и представляет собой ознакомление студентов с различными аспектами русской жизни, культуры,
... Show MoreIn the present study, an attempt has been made to experimentally investigate the flexural performance of ten simply supported reinforced concrete gable roof beams, including solid control specimen (i.e., without openings) and nine beams with web openings of different dimensions and configurations. The nine beams with openings have identical reinforcement details. All beams were monotonically loaded to failure under mid-span loading. The main variables were the number of the created openings, the total area of the created openings, and the inclination angle of the posts between openings. Of interest is the load-carrying capacity, cracking resistance and propagation, deformability, failure mode, and strain development that represent the behav
... Show MoreThe fall angle of sun rays on the surface of a photovoltaic PV panel and its temperature is negatively affecting the panel electrical energy produced and efficiency. The fall angle problem was commonly solved by using a dual-axis solar tracker that continually maintains the panel orthogonally positioning to the sun rays all day long. This leads to maximum absorption for solar radiation necessary to produce maximum amount of energy and maintain high level of electrical efficiency. To solve the PV panel temperature problem, a Water-Flow Double Glazing WFDG technique has been introduced as a new cooling tool to reduce the panel temperature. In this paper, an integration design of the water glazing system with a dual-axis tracker has been ac
... Show MoreIn this paper, a new third kind Chebyshev wavelets operational matrix of derivative is presented, then the operational matrix of derivative is applied for solving optimal control problems using, third kind Chebyshev wavelets expansions. The proposed method consists of reducing the linear system of optimal control problem into a system of algebraic equations, by expanding the state variables, as a series in terms of third kind Chebyshev wavelets with unknown coefficients. Example to illustrate the effectiveness of the method has been presented.