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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
Fri Jan 01 2010
Journal Name
Positioning
Fluid Inclusions Usage for Assessing Oil Migration in Duhok, North Iraq
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Publication Date
Sat Dec 31 2022
Journal Name
Wasit Journal Of Computer And Mathematics Science
An Improved Method for Hiding Text in Image Using Header Image
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The necessities of steganography methods for hiding secret message into images have been ascend. Thereby, this study is to generate a practical steganography procedure to hide text into image. This operation allows the user to provide the system with both text and cover image, and to find a resulting image that comprises the hidden text inside. The suggested technique is to hide a text inside the header formats of a digital image. Least Significant Bit (LSB) method to hide the message or text, in order to keep the features and characteristics of the original image are used. A new method is applied via using the whole image (header formats) to hide the image. From the experimental results, suggested technique that gives a higher embe

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Publication Date
Thu Nov 01 2018
Journal Name
Advances In Animal And Veterinary Sciences
Gentamicin enhances toxA expression in Pseudomonas aeruginosa isolated form cow mastitis
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Publication Date
Wed Dec 30 2015
Journal Name
Al-kindy College Medical Journal
Basilic Vein Mobilization for Brachio-Basilic Arterio-Venous Fistula in Dialysis
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Background: The first and second choice for vascular access in patients with end stage renal disease (ESRD) is radio cephalic and brachio cephalic arteriovenous fistula (AVF).In patients with failed previous AVF e or poorly visualized or impalpable cephalic veins, the basilic vein can be mobilized and superficialized to create an AVF with the brachial artery.Objective: The aim of this study is to report our experience at the Vascular Surgery Department/ Surgical Specialty Hospital in brachio-basilic (BB) vascular access for hemodialysis.Methods: From January 2006 to December 2009, 31 patients with ESRD whose cephalic veins were thrombosed or impalpable or had previous unsuccessful vascular access procedures were referred to the Vascular

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Publication Date
Wed Nov 30 2022
Journal Name
Iraqi Journal Of Science
Encryption Symmetric secret Key in Wireless Sensor Network Using AES Algorithm
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      Wireless sensor network (WSN) security is an important component for protecting data from an attacker. For improving security, cryptography technologies are divided into two kinds: symmetric and asymmetric. Therefore, the implementation of protocols for generating a secret key takes a long time in comparison to the sensor’s limitations, which  decrease network throughput because they are based on an asymmetric method. The asymmetric algorithms are complex and decrease network throughput. In this paper, an encryption symmetric secret key in wireless sensor networks (WSN) is proposed. In this work, 24 experiments are proposed, which are encryption using the AES algorithm in the cases of 1 key, 10 keys, 25 keys, and 50 keys. I

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Publication Date
Wed Mar 10 2021
Journal Name
Baghdad Science Journal
Mathematical treatment for solition-soliton interactions in mono-mode optical fiber
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There are many images you need to large Khneh space With the continued evolution of storage technology for computers, there is a continuing need and are required to reduce Alkhoznip space Pictures Zguet pictures in a good way, the way conversion Alamueja to Purifiers

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Publication Date
Mon May 28 2018
Journal Name
Iraqi Journal Of Science
Climatic Water Balance in AL-Amaid Area/ Muthana Governorate/ Southwest Iraq
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     Ground water is a vital source for agricultural sector and rural communities. The global climate change is expected to change the hydrometeorological processes parameters. The climate considered as part of the southern Iraqi desert general climate with long, extremely hot, and dry summer and short wet period with little rain.  So it is vital to investigate the groundwater quality for irrigation purposes. The meteorological data of Samawa meteorological station for the period 1980-2015 was used to evaluate the climatic conditions for Muthana Governorate. It was found that the averages of annual rainfall was 105.7mm and the everages of evaporation is 3182 mm, while the mean monthly relative humidity % , mean t

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Publication Date
Sat Dec 02 2023
Journal Name
Journal Of Engineering
Reducing Maintenance Costs for Government Projects in Iraq Using Performance Indicators
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Institutions and companies are looking to reduce spending on buildings and services according to scientific methods, provided they reach the same purpose but at a lower cost. On this basis, this paper proposes a model to measure and reduce maintenance costs in one of the public sector institutions in Iraq by using performance indicators that fit the nature of the work of this institution and the available data. The paper relied on studying the nature of the institution’s work in the maintenance field and looking at the type of data available to know the type and number of appropriate indicators to create the model. Maintenance data were collected for the previous six years by reviewing the maintenance and financial dep

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Publication Date
Sun Dec 09 2018
Journal Name
Baghdad Science Journal
Optimal UAV Deployment for Data Collection in Deadline-based IoT Applications
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The deployment of UAVs is one of the key challenges in UAV-based communications while using UAVs for IoT applications. In this article, a new scheme for energy efficient data collection with a deadline time for the Internet of things (IoT) using the Unmanned Aerial Vehicles (UAV) is presented. We provided a new data collection method, which was set to collect IoT node data by providing an efficient deployment and mobility of multiple UAV, used to collect data from ground internet of things devices in a given deadline time. In the proposed method, data collection was done with minimum energy consumption of IoTs as well as UAVs. In order to find an optimal solution to this problem, we will first provide a mixed integer linear programming m

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Publication Date
Sun Oct 01 2017
Journal Name
Diyala Journal For Pure Science
Employing difference technique in some Liu estimators to semiparametric regression model
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Semiparametric methods combined parametric methods and nonparametric methods ,it is important in most of studies which take in it's nature more progress in the procedure of accurate statistical analysis which aim getting estimators efficient, the partial linear regression model is considered the most popular type of semiparametric models, which consisted of parametric component and nonparametric component in order to estimate the parametric component that have certain properties depend on the assumptions concerning the parametric component, where the absence of assumptions, parametric component will have several problems for example multicollinearity means (explanatory variables are interrelated to each other) , To treat this problem we use

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