Preferred Language
Articles
/
jpgiafs-986
Standards of creditworthiness of customers and their impact on the liquidity of Iraqi private: Applied research in a sample of Iraqi private commercial banks
...Show More Authors

Customers' creditworthiness standards are the key means employed by private commercial banks in assigning a suitable credit assessment for each customer. Accordingly, it had an instrumental role in indicating the degree of solvency of the potential customer before granting the required credit. The research problem reveals the nature of the relationship between the criteria of customer’s creditworthiness and banking liquidity. The most critical objectives of the study shed light on the role of using creditworthiness criteria as a tool for credit analysis of customers by banks that help reducing credit risks and thus increase banking liquidity. The questionnaire that was distributed to bank employees, the research sample, which was (8) was adopted. A bank, in addition to analyzing the financial statements of those banks listed in the Iraq Stock Exchange as a tool in collecting data related to research. The research reached a number of conclusions, the most important one is that the Central Bank of Iraq did not issue instructions according to which the model for creditworthiness criteria for customers was determined for the purpose of adoption by all commercial banks in Iraq, and then the research recommended a set of recommendations that need to be taken. The competent authorities take appropriate measures

Keywords: (criteria, customer’s creditworthiness, liquidity, private commercial banks).

 

View Publication Preview PDF
Quick Preview PDF
Publication Date
Mon Oct 01 2012
Journal Name
Iraqi Journal Of Physics
Annealing temperature effect on the structural and optical properties of thermally deposited nanocrystalline CdS thin films
...Show More Authors

A nanocrystalline CdS thin film with 100 nm thickness has been prepared by thermal evaporation technique on glass substrate with substrate temperature of about 423 K. The films annealed under vacuum at different annealing temperature 473, 523 and 573 K. The X-ray diffraction studies show that CdS thin films have a hexagonal polycrystalline structure with preferred orientation at (002) direction. Our investigation showed the grain size of thin films increased from 9.1 to 18.9 nm with increasing the annealing temperature. The optical measurements showed that CdS thin films have direct energy band gap, which decreases with increasing the annealing temperature within the range 3.2- 2.85 eV. The absorbance edge is blue shifted. The absorption

... Show More
View Publication Preview PDF
Publication Date
Thu May 25 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Observations on the Age and Growth of Shank (Acanthopagrus latus (Houttuyn, 1782)) from Al-Razzazah Lake
...Show More Authors

) were taken from three stations at Al-Razzazah lake,by using a range of gill nets and seine nets. A total of 318 fish were taken from all stations. The age data determined from the scales showed that there were eight age classes present in station 1 and 2 and seven age classes in station 3. The increment in length of A. latus at the area of study showed a tendency to decrease with the increase in age after the fourth year of life.  The length- weight relationships of both sexes specimens are expressed by the following equations: Log  = -1.93 + 2.67 Log ….. for station (1) fish Log = -2.08 + 2.74 Log   …. For station (2) fish Log = -2.02 + 2.39 Log  …. For station (3) fish&n

... Show More
View Publication Preview PDF
Publication Date
Sun Jul 29 2018
Journal Name
Science International
THE EFFECT OF QUR'ANIC VERSES STRATEGY ON ACHIEVING SCIENCE AND SYSTEMIC INTELLIGENCE FOR SECOND GRADE STUDENTS.
...Show More Authors

The objective of the research is to uncover the effect of the strategy of Quranic verses in the collection of science and systemic intelligence for second-grade students. The research sample consisted of (48) students of second grade students in the middle of Al Rasheed Boys School of the second Karkh Directorate, Distribution in the two divisions, Division of (b) and experimental group that studied strategy of Quranic verses, and the Division (a) control group which studied the regular way, and results indicated a statistically significant differences for the experimental group students studied using the strategy Verses in systemic intelligence collection.

Preview PDF
Publication Date
Sun Jul 29 2018
Journal Name
Iraqi Journal Of Science
Annealing effect on the structural and Morphological properties of Organic Semiconductor Alq3:C60 blend Thin Films
...Show More Authors

In this work, has been a studied the effect of thermal treatment using different annealing temperatures (373, 423 and 473) K in vacuum on structural and morphological properties of organic semiconductor Alq3:C60 thin films which are prepared by the spin coating on a glass, silicon and porous silicon.  These films have been coated on substrates with speed of 2000 rpm. The structure properties of Tris(8-hydroxyquinoline) aluminum (III) (Alq3) and fullerene (C60) (100:1) and (100:10) blend as-deposited and treated have been studied by X-ray diffraction (XRD) for glass only and morphological properties by Atomic Force Microscope (AFM) for silicon and porous silicon substrates. The results of X

... Show More
View Publication Preview PDF
Publication Date
Tue Sep 21 2021
Journal Name
Earth Resources And Environmental Remote Sensing/gis Applications Xii
Investigating the old city of Babylon: tracing buried structural history based on photogrammetry and integrated approaches
...Show More Authors

View Publication
Scopus (4)
Crossref (1)
Scopus Clarivate Crossref
Publication Date
Wed Nov 01 2023
Journal Name
Iop Conference Series: Earth And Environmental Science
The Effect of Solar Panel Type on some Irrigation System Parameters and Bean Crop Germination Percentage
...Show More Authors
Abstract<p>An experiment was carried out at Al-Raed Research Station, which is located on the Baghdad-Anbar road during the winter season, in order to study the effect of the type of solar panels and irrigation system on some performance indicators of irrigation systems and germination percentage of bean crop (Vicia Faba L). A randomized complete block design (RCBD) was used with three replications. The experiment consist of two factors. 1st factor was the solar panel type with two levels : monocrystalline and polycrystalline. Second factor was the irrigation system with two levels Drip and sprinkler irrigation system the following indicators were studied : solar panel efficiency (%), Irrigation</p> ... Show More
View Publication
Scopus (1)
Scopus Crossref
Publication Date
Sat Jan 01 2022
Journal Name
Journal Of Animal Behaviour And Biometeorology
Comprehension of the zinc chloride's ameliorative apoptotic and genotoxic effects on mice with cadmium-induced hepatotoxicity
...Show More Authors

View Publication
Scopus (2)
Crossref (1)
Scopus Clarivate Crossref
Publication Date
Tue Jan 08 2019
Journal Name
Iraqi Journal Of Physics
Effect of plasma jet on the water and hydrogen peroxide that used for assisted teeth bleaching
...Show More Authors

In this work the interaction of plasma jet with water and hydrogen peroxide liquids used for assisted teeth bleaching by plasma jet had been study. A homemade plasma jet system was used. The plasma jet supply by 15 W electrical power generated by high voltage power supply of 9.6 kV peak to peak and frequency of 33 kHz .this power supply generate high electric field on electrodes that would be enough to ionize the argon gas. Some important agents were study such as the effect of the Ar gas flow rates on the length of the plasma jet, the influence of plasma jet on some properties of water and two hydrogen peroxide concentrations 25 % and 30 % like pH, conductivity and liquid temperature for different exposure time. The liquids temperature

... Show More
View Publication Preview PDF
Crossref (1)
Crossref
Publication Date
Sun May 01 2016
Journal Name
Journal Of Engineering
Improving the Accuracy of Handheld GPS Receivers Based on NMEA File Generating and Least Squares Adjustment
...Show More Authors

This study aims to improve the quality of satellites signals in addition to increase accuracy level delivered from handheld GPS data by building up a program to read and decode data of handheld GPS. Where, the NMEA protocol file, which stands for the National Marine Electronics Association, was generated from handheld GPS receivers in real time using in-house design program. The NMEA protocol file provides ability to choose points positions with best status level of satellites such as number of visible satellite, satellite geometry, and GPS mode, which are defined as accuracy factors. In addition to fix signal quality, least squares technique was adopted in this study to minimize the residuals of GPS observations and enh

... Show More
View Publication Preview PDF
Publication Date
Sat Dec 01 2018
Journal Name
Al-khwarizmi Engineering Journal
Effect Ti/AlTiN Multilayer Coating on the Crater Wear Process of Cutting Tool and Tribological Properties
...Show More Authors

Tool wear is a major problem in machining operations because the resulting material loss gradually changes of the machine tool. There many factors may leads to material loss like; friction, corrosion, and also it’s happened by rubbing during machining processes between the work piece and the tool. Dimensional accuracy of the work piece, and also the surface finish will be reducing by tool wear. It can also increase cutting force. In this study, we focused on the effect of the coating process on crater wear problems. Crater wear is caused by the flow between the chip and the rake face of the tool, whereas flank wear is caused by the contact between the tool and the work piece. In reducing crater wear, aluminum titanium nitride (AlTiN) u

... Show More
View Publication Preview PDF
Crossref