Due to technological developments in the Iraqi banking sector, which is the use of electronic payment systems within the banking infrastructure. This has led to speed and accuracy in the completion of transactions, reduced costs, increased revenues and efficiency. This research examines the challenges and risks facing the Iraqi banking sector as a result of its use of electronic payment systems. And show its impact on the profitability of commercial banks. The research was based on the main hypothesis that there is a statistically significant moral impact relationship between electronic payment systems and the profitability of banks. Iraqi commercial banks were chosen as a research community, All Iraqi commercial banks that participate in each of the immediate Real Time Gross settlement system (RTGS), the Automated clearing House system (ACH) and the retail payment system infrastructure (RPSI) have been listed. Based on data obtained from the Central Bank of Iraq and some banks, the research sample was identified, which includes AL-Rafidain Bank, National Bank of Iraq, Ashur International Bank and The International Development Bank. From the statistical analysis of the research variables, the results of the analysis and measurement showed a statistically significant moral effect relationship between electronic payment systems and the profitability of commercial banks sample research. The more commercial banks use electronic payment systems to complete their transactions, the profitability of these banks has increased. The research recommended the need to increase investment by banks on the infrastructure of electronic payment systems, as they should be reliable, cost-effective and accessible from the majority of the community, which positively affects profitability.
Let R be associative; ring; with an identity and let D be unitary left R- module; . In this work we present semiannihilator; supplement submodule as a generalization of R-a- supplement submodule, Let U and V be submodules of an R-module D if D=U+V and whenever Y≤ V and D=U+Y, then annY≪R;. We also introduce the the concept of semiannihilator -supplemented ;modules and semiannihilator weak; supplemented modules, and we give some basic properties of this conseptes
The aim of this paper is to introduces and study the concept of CSO-compact space via the notation of simply-open sets as well as to investigate their relationship to some well known classes of topological spaces and give some of his properties.
المتغير العشوائي X له توزيع أسي اذا كان له دالة احتمالية الكثافة بالشكل:
عندما ، هذه هي الحالة الخاصة لتوزيع كاما.
غالباً جداً ولسبب معقول تأخذ . الحالة الخاصة لـ (1) التي نحصل عليها تسمى بالتوزيع الاسي لمعلمة واحدة.
اذا كانت ، ، التوزيع في هذه الحالة يسمى التوزيع الاسي القياسي
اما بالنسب
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Abstract
Research title: The legal ruling of advice.
This research deals with the topic of advice, as the research included the following:
Preamble: I explained in it the meaning of advice in the Qur’an and Sunnah, and that what is meant by it is a good performance of the duty, then explaining its importance, importing it, and the difference between advice and what is similar to it, from enjoining good, denial, reproach and reprimand, backbiting and the will.
The first topic: It dealt with the ruling on advice, whether it is recommended or disliked, or forbidden, because what is meant by it is to give advice to others may be an obligation in kind, or it may be desirable or dislike
... Show MoreAl- belenoby , Andalusian obscure poet .I choose to study poetic rhythm in this poetic and the appropriateness of with what rhythm touring in his self to give beautiful meaning raise to receiver to put the hands of continental placements creativity in poetry .I divided my research into ideas are presented in a sequential manner , I started researching with poetic rhyme than rhyme they represent the form of the poem, they represent the external form of the poem and their music that farm the general concept then the rhetorical styles that represent the internal form of the poem and it music that the listener works and enjoying it part by part all this led to the put the hands of the receiver placement creativity in Belenoby Poet.&nbs
... Show MoreBaghdad Lake Touristic is suffering from a lake of tourism and entertainment services
efficiency provided to their visitors , knowing that this type of services as they are the basics
to achieve economic and socialist development because of their indicators where their goal is
to serve human in city as they represent lungs which population breathe within .
The Parks are resorted as human usually in search of quiet and funny places , away from
the noise of the city and its complex , as well as they give the city a beauty manifestations ,
that give happiness.
The study reached that there is deficiencies in service present, inability to provide
services and inadequate for the population and bad distribution. So the s
(4)
(3)
The family is e Social first come into contact with filial friction direct and continuing as is the social environment the first to grow the patterns of socialization that make up the life of the individual in the future , especially in forming the personality of both social and cultural , the family's work to lay the foundations of standards called the system value , which is ( religious teachings - customs - traditions - norms ) and is on its way interaction values between family members as well as the transfer of expertise , knowledge and models of behavioral by parents to their children , which will be in accordance with the type of interactions and social relations is also affected dev
... Show Moreمشكلة البحث
لقد حدا بالمهتمين في الميدان التربوي، والادارة التربوية بصورة خاصة، ان يجدوا علاقات ايجابية بين متغيرات الميدان التربوي عامة والاداري بصورة خاصة وقد تمخض هذا عن وجود علاقة ايجابية بين اداء المديرين ورؤساء الاقسام ودرجة التقويم، ومن هنا يتضح انه كلما كان التقويم عالياً في درجته، يتضح ان هناك اداءً فاعلاً ولكن ليس بالشكل الحقيقي لمعنى التقويم ما لم يكن هناك
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