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
Sun Oct 01 2017
Journal Name
Journal Of Educational And Psychological Researches
Existential frustration and its relation with recrimination among university students
...Show More Authors

The study aims to identify the level of existential frustration and the level of recrimination among the students of universities, identify the statistical differences between the existential frustration and recrimination based on gender, and finally, identify the correlation between the existential frustration and recrimination. To do this, the researcher adopted the existential frustration scale of ( al-saaedi, 2009) that consisted of (43) item, he also adopted the recrimination scale of ( al-zugeibi,2008) which composed of (31) item. The total sample was (120) male and female student were chosen randomly from four colleges within the university of Baghdad for the academic year ( 2015-2016). The results revealed that the targeted sampl

... Show More
View Publication Preview PDF
Publication Date
Wed Feb 28 2024
Journal Name
Mosul Journal Of Nursing
Association between Digital Addiction and Eating Behaviors for Preschool Children
...Show More Authors

Publication Date
Mon Feb 18 2019
Journal Name
Iraqi Journal Of Physics
Transition rates and microscopic effective charges for 16C exotic nucleus
...Show More Authors

View Publication Preview PDF
Crossref
Publication Date
Tue Nov 30 2021
Journal Name
Iraqi Journal Of Science
Text-based Steganography using Huffman Compression and AES Encryption Algorithm
...Show More Authors

In every system of security, to keep important data confidential, we need a high degree of protection. Steganography can be defined as a way of sending confidential texts through a secure medium of communications as well as protecting the information during the process of transmission. Steganography is a technology that is used to protect users' security and privacy. Communication is majorly achieved using a network through SMS, e-mail, and so on. The presented work suggested a technology of text hiding for protecting secret texts with Unicode characters. The similarities of glyphs  provided invisibility and increased the hiding capacity. In conclusion, the proposed method succeeded in securing confidential data and achieving high p

... Show More
View Publication Preview PDF
Scopus (4)
Crossref (3)
Scopus Crossref
Publication Date
Tue Feb 28 2023
Journal Name
Iraqi Journal Of Science
Solving Linear and Nonlinear Fractional Differential Equations Using Bees Algorithm
...Show More Authors

A numerical algorithm for solving linear and non-linear fractional differential equations is proposed based on the Bees algorithm and Chebyshev polynomials. The proposed algorithm was applied to a set of numerical examples. Faster results are obtained compared to the wavelet methods.

View Publication Preview PDF
Scopus (1)
Scopus Crossref
Publication Date
Fri Jan 01 2021
Journal Name
Ieee Access
DNA Encoding and STR Extraction for Anomaly Intrusion Detection Systems
...Show More Authors

View Publication
Scopus (6)
Crossref (4)
Scopus Clarivate Crossref
Publication Date
Thu Jul 25 2019
Journal Name
Advances In Intelligent Systems And Computing
Solving Game Theory Problems Using Linear Programming and Genetic Algorithms
...Show More Authors

View Publication
Scopus (15)
Crossref (10)
Scopus Crossref
Publication Date
Fri Jun 30 2023
Journal Name
Iraqi Journal Of Science
Medical Image Denoising with Wiener Filter and High Boost Filtering
...Show More Authors

     The Wiener filter is widely used in image de-noising. It is used to reduce Gaussian noise. Although the Wiener filter removes noise from the image, it causes a loss of edge detail information, resulting in blurring of the image. The edge details are considered high-frequency components. The Wiener filter is unable to reconstruct these components. In this paper, the proposed filter based on the Wiener filter and the high-boost filter for medical images is presented. The proposed filter is applied to the degraded image. First, using Fourier Transformation, the degraded image and the high boost filter are converted in the frequency domain. Secondly, the wiener filter is applied to the image along with the high boost filter. Thirdly

... Show More
View Publication Preview PDF
Scopus (3)
Scopus Crossref
Publication Date
Tue Jan 02 2018
Journal Name
Journal Of Educational And Psychological Researches
Self-organized learning strategies and self-competence among talented students
...Show More Authors

Investigating the strength and the relationship between the Self-organized learning strategies and self-competence among talented students was the aim of this study. To do this, the researcher employed the correlation descriptive approach, whereby a sample of (120) male and female student were selected from various Iraqi cities for the academic year 2015-2016.  the researcher setup two scales based on the previous studies: one to measure  the Self-organized learning strategies which consist of (47) item and the other to measure the self-competence that composed of (50) item. Both of these scales were applied on the targeted sample to collect the required data

View Publication Preview PDF
Publication Date
Thu Mar 30 2023
Journal Name
College Of Islamic Sciences
Human ability (Al qoudra) according to speakers and Fundamentalist jurists
...Show More Authors

The term of ability (Al qoudra) is of the common terms which used by speech scientists to relate to one of the important verbal issues which called “Fate and destiny”. the issues of fate and destiny has been raised by Muslims since the dawn of Islam and It was researched among speech scientists, there are many opinions about this issues as the man can do or leave anything or he forced to do something that mean he hasn’t ability.

Also the term was used by jurists and they mention to the ability conditions (Assigning the Divine) and when this conditions are not available that means the man is not commissioning, the conditions are Mind, puberty and other conditions which mentioned in the books of jurisp

... Show More
View Publication Preview PDF