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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 Feb 20 2024
Journal Name
Baghdad Science Journal
Some Results about Acts over Monoid and Bounded Linear Operators
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This study delves into the properties of the associated act V over the monoid S of sinshT. It examines the relationship between faithful, finitely generated, and separated acts, as well as their connections to one-to-one and onto operators. Additionally, the correlation between acts over a monoid and modules over a ring is explored. Specifically, it is established that  functions as an act over S if and only if  functions as module, where T represents a nilpotent operator. Furthermore, it is proved that when T is onto operator and  is finitely generated, is guaranteed to be finite-dimensional. Prove that for any bounded operator the following,  is acting over S if and only if  is a module where T is a nilpotent operator, is a

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Publication Date
Tue Oct 01 2013
Journal Name
Sensors And Actuators A: Physical
Enhanced energy harvesting using multiple piezoelectric elements: Theory and experiments
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Publication Date
Sun Sep 01 2024
Journal Name
Baghdad Science Journal
Some Results about Acts over Monoid and Bounded Linear Operators
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 الأثر V بالنسبة إلى   sinshT و خواصه قد تم دراسته في هذا البحث حيث تم دراسة علاقة الأثر المخلص والاثر المنتهى التولد والاثر المنفصل وربطها بالمؤثرات المتباينة حيث تم بهنة العلاقات التالية ان الاثر اذا وفقط اذا مقاس في حالة كون المؤثر هو عديم القوة وكذلك في حالة كون المؤثر شامل فان الاثر هو منتهي التولد اي ان الغضاء هو منتهي التولد وايضا تم برهن ان الاثر مخلص لكل مؤثر مقيد وك\لك قد تم التحقق من انه لاي مؤثر مقي

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Publication Date
Thu May 30 2024
Journal Name
Iraqi Journal Of Science
Lipid Profile Parameters and Adipokines among Adolescents Infected with Toxoplasmosis
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The lipid profile and adipokines of an adolescent may be affected by some parasite infections. Recently, it has been discovered that these parasites are connected to body mass index (BMI), lipids and adipokines. The current study, therefore, aimed to specify how Toxoplasma gondii (T. gondii) affect BMI, lipid profile and adipokines. This study was conducted in Al Madain hospital, Baghdad from October to December 2022. An ELISA test was performed to examine the anti-T. gondii IgG and IgM for a group of adolescents attending the hospital. Based on this examination ninety adolescents were chosen to be involved in the study. They were separated in to two groups: individuals who tested positive for the parasite (n=45) and those who teste

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Publication Date
Sat Jan 01 2022
Journal Name
Ieee Access
Hand Gesture Recognition With Acoustic Myography and Wavelet Scattering Transform
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Publication Date
Fri Jan 01 2021
Journal Name
Indonesian Journal Of Electrical Engineering And Computer Science
Stamps extraction using local adaptive k- means and ISODATA algorithms
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<span>One of the main difficulties facing the certified documents documentary archiving system is checking the stamps system, but, that stamps may be contains complex background and surrounded by unwanted data. Therefore, the main objective of this paper is to isolate background and to remove noise that may be surrounded stamp. Our proposed method comprises of four phases, firstly, we apply k-means algorithm for clustering stamp image into a number of clusters and merged them using ISODATA algorithm. Secondly, we compute mean and standard deviation for each remaining cluster to isolate background cluster from stamp cluster. Thirdly, a region growing algorithm is applied to segment the image and then choosing the connected regi

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Publication Date
Wed Nov 27 2019
Journal Name
Iraqi Journal Of Science
Bit Plane Slicing, Wavelet and Polynomials Mixing for Image Compression
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     This paper introduced a hybrid technique for lossless image compression of natural and medical images; it is based on integrating the bit plane slicing and Wavelet transform along with a mixed polynomial of linear and non linear base. The experiments showed high compression performance with fully grunted reconstruction.

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Publication Date
Tue Dec 28 2021
Journal Name
2021 2nd Information Technology To Enhance E-learning And Other Application (it-ela)
Pedestrian and Objects Detection by Using Learning Complexity-Aware Cascades
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Publication Date
Tue Aug 30 2022
Journal Name
Pakistan Journal Of Medical & Health Sciences
Association between Digital Addiction and Sleep Habits for Preschool Children
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Publication Date
Sun Aug 01 2021
Journal Name
Safety Science
Evaluating OSHA’s fatality and catastrophe investigation summaries: Arc flash focus
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