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Standards of creditworthiness of customers and their impact on the liquidity of Iraqi private: Applied research in a sample of Iraqi private commercial banks
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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).

 

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Publication Date
Tue Dec 27 2022
Journal Name
Journal Of The College Of Basic Education
فاعلية أنموذج (سكمب المعدل) في الأصالة الرياضية واتجاه طلاب الصف السادس العلمي نحو البرهان الرياضي
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هدف البحث الحالي التعرف على فاعلية انموذج سكمب المعدل في الأصالة الرياضية واتجاه طلاب الصف السادس العلمي نحو البرهان الرياضي ، تَمَّ الاستعانة بالتصميم التجريبي ذي الاختبار البعدي والضبط الجزئي لمجوعتين متكافئتين (تجريبية وضابطة) ، تكونت عينة البحث من (55) طالباً من طلاب الصف السادس العلمي في ثانوية ابن الهيثم للبنين الواقعة في مركز محافظة القادسية ، جرى توزيع طلاب عينة البحث عشوائياً إلى مجموعتين إحداهما تج

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Publication Date
Sun Apr 01 2012
Journal Name
Journal Of Educational And Psychological Researches
أثر استراتيجية ( فكر – زاوج – شارك ) في تحصيل مادة التاريخ والاحتفاظ بها لطلاب الصف الرابع الأدبي
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The current research aims to know on influence strategy (thinking – pairing – sharing) in learning subject of Islamic civilization of Arab and keep it for students 4th class / literary in order to aim of research , the researcher takes measures of experimental method which included selection of experimental designing with partial adjustment in two groups (experimental and controlling) . Experimental group studies according to strategy (thinking – pairing – sharing) , while controlling group studies according to normal way , the researcher choose Zari secondary school for boys in Baghdad intently to run experiment within it. Sample of studying consist of from (64) students , by (32) student in experimental group and (32) students

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Publication Date
Sun Jun 18 2023
Journal Name
Arab Science Heritage Journal
التعايش السلمي في الاسلام بين التنظير والتطبيق عهد الامام علي (عليه السلام) للاشتر النخعي / انموذجا
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     Peaceful coexistence is not seen as a new topic of secretions of modern civilization, a requirement to solve the problems of our era or one of the indications of urgent immediate needs, rather, tolerance is considered basis for building a state. Therefore, we can touch on the principles and basics of tolerance in the Holy Qur’an, the speeches of the Messenger (may God bless him and grant him peace) and his hadiths, and the principle of brotherhood that he established

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Publication Date
Thu Aug 14 2025
Journal Name
Sciences Journal Of Physical Education
تأثير تمرينات مركبة ( بدني- مهاري) في تطوير بعض القدرات البدنية والمهارية للاعبات كرة القدم الصالات
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ملخص البحث تنوعت اساليب وطرائق التدريب بشكل واسع وكبير وتعددت الاهداف التدريبية تبعا لخصوصية الاداء في النشاط الرياضي الممارس، وكل هذا جعل امام العاملين في الانشطة الرياضية كم كبير من الحلول لمواجهة المشاكل التي تواجههم في اثناء الاعداء للرياضيين، وتعد التمرينات المركبة واحدة من الاساليب التنظيمية للتمرين التي تضم في محتواها تعدد الاداءات خلال التمرين الواحد مما يتيح للاعب تطبيق متطلبات بدنية او مهارية ا

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Publication Date
Sun Dec 02 2018
Journal Name
Arab Science Heritage Journal
المواقع الجغرافية التابعة لمدينة دمشق في كتاب تاريخ دمشق الكبير لابن عساكر ت 571هـ/1272م
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the history of Damascus by Ibn ' asaakir d. 571 a.h. 1272 m from local histories books concerned with male citizen narrators, to distinguish between rate and Rob them, this book is more a history of Islamic heritage books on Islamic City, and if we know that Ibn ' asaakir translated it for personal

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Publication Date
Mon Dec 01 2008
Journal Name
Journal Of Economics And Administrative Sciences
إيجاد الحل المقبول (الممكن) والأمثل لأنموذج البرمجة الخطية في ظل عدم تحقق شرطّي الإمكانية والأمثلية
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تعد البرمجة الخطية عاملاً مؤثراً وفعالاً في عملية صنع و إتخاذ القرار عندما تكون الموارد متاحة أو متوفرة لكي تعطي أهدافاً معينة ، وتكمن البرمجة الخطية في حل وتقييم الانشطة أو الفعاليات عند تطبيق إحدى أدواتها وهي الطريقة المبسطة العامة ، التي يكون فيها الحل مقبولاً (ممكناً) ويجب التوصل الى الحل الامثل عندها تسمى بالطريقة المبسطة الاولية أو يكون الحل فيها أمثلاً ويجب التوصل الى الحل الم

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Publication Date
Mon Nov 12 2018
Journal Name
Arab Science Heritage Journal
سياسة سياسة العزلة البريطانية المجيدة واثرها على الدول الاوربية في عهد الملكة فكتوريا(1837-1901)
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Britain found itself at the end of the nineteenth century in front of many obstacles within Europe, it is to hold the coalition Russian Franco in 1894, and what form of threat to the interests of Britain in its colonies outside Europe, as well as the development of other European countries in military and economic aspects such as Germany and the United States and others. As she was defying the fleet of Britain, Germany, and the last has a naval fleet was able to protect all the way Britain and its colonies throughout the nineteenth century

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Publication Date
Thu Nov 16 2023
Journal Name
مجلة كلية الإمام الكاظم
الوعي بالمسؤوليةً البيئيـة عنـد طلبـة الكيـمياء فـي كــلية التـربية للعلـوم الصـرفة – أبن الهيثم في العراق
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Publication Date
Wed Sep 01 2010
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
استخدام ادوات التحليل المالي كمؤشرات لتحديد واحتساب ضريبة الدخل: دراسة تطبيقية في الهيئة العامة للضرائب
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A financial analysis tool such as financial rations concentrates on explanation of financial statement and using them in the evaluation of company profiles and fixing taxable profits, by analyzing final calculation, explaining their results and studying relationships between a group of financial lists 'elements in a specific period and the trend of their relationships in percentage from so, financial analysis is considered on important instrument for tax analytical test procedures through studying and evaluating financial data in order to get proper information which is needed to make sure of credibility and reliability of statements submitted by the taxpayer and the satisfaction of the tax analyzer in the credibility of these statements

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Publication Date
Tue Apr 01 2008
Journal Name
Journal Of Educational And Psychological Researches
أثر أستراتيجية الملخصات القبلية على التحصيل والاستبقاء لدى طالبات الصف الثاني متوسط في مادة التاريخ
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Research problem: the problem of the current research can determine the dimensions of answering the following question - What is the impact of the use strategy summaries tribal collection and retention in the second grade students in the middle of history?
The importance of research: In order to achieve the desired education and access to educational goals required, and to address all the challenges facing the educational process, so you may need to use methods and different educational methods in the teaching of social history, particularly, of those methods and modalities to adopt strategies tribal in teaching, has chosen researcher summaries tribal style, which is one of the strategies of goo

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