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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
Thu Dec 30 2021
Journal Name
Al-kindy College Medical Journal
Clients' Satisfaction with Immunization Services at Primary Health Care Centers in Baghdad, Al-Karkh
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Background: Client satisfaction with the immunization service is used to evaluate the quality of the admitted service and at the same time it affects the goodness of the health care outcome.

Objectives: This study assessed the satisfaction with immunization services offered to children and factors affecting this satisfaction.

Methods: Exit interviews for clients were conducted in Baghdad, Al-Karkh in a representative sample of primary health care centers to assess clients’ satisfaction with immunization services. Clients are companions of children encountered at study settings.

Results: Among the 253 respondent clients, 183 (72.3%) reflected satisfaction with the immunization

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Publication Date
Thu Oct 04 2018
Journal Name
Iraqi Journal Of Science
Geological modeling using Petrel Software for Mishrif Formation in Noor Oil Field, Southeastern Iraq
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Petrel is regards one of the most important software to delineate subsurface Petrophysical properties to the reservoir. In this study, 3D Integrated geological models has been built by using Petrel software. The process includes integrated Petrophysical properties and environmental approaches.
Noor oil field within Mishrif Formation in terms of structural geology represents asymmetrical anticlinal fold with direction NW-SE. Porosity and water saturation model have been built. The reservoir was divided into several reservoirs and Nonreservoir units depends on the Petrophysical properties for each zone. In addition,
intact model for the reservoir in terms of porosity and water saturation have been b

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Publication Date
Thu Feb 10 2022
Journal Name
Iraqi Journal Of Science
Determining the optimum conditions for bioemulsifier produced by Rhizobium leguminosarum biovar viciae isolated from Vicia faba root nodules
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The tested isolate of Rhizobium leguminosarum bv. viciae was isolated from root nodules of vicia faba plant from Baghdad ,the isolated bacteria was examined for bioemulsifier production when growing in mineral salt medium that containing 1% sunflower oil as sole carbon source . Rhizobium isolate was able to produce bioemulsifier with initial emulsification index E24% was 38%. Many of physical and nutritional cultural conditions for optimum emulsifier production was examined including : pH , temperature ,incubation period ,carbon and nitrogen source. The maximum bioemulsifier production form Rhizobium isolate was 64.5% when bacteria growing in mineral salt medium with pH 9 ,incubated at temperature 30 ºC , incubation period was 10 days ,

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Publication Date
Sun Jan 26 2020
Journal Name
Journal Of Global Pharma Technology
Synthesis, Characterization of 2-azido-4-(azido (2-azido-2-( azido carbonyl)-1,3-dioxoian-4-yl)methyl)– 5-((R-azido (hydroxyl) methyl- 1,3-dioxole-2-carbonyl azide. ethanol. hydrate (L-AZD) with Some Metal Complexes
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The reaction oisolated and characterized by elemental analysis (C,H,N) , 1H-NMR, mass spectra and Fourier transform (Ft-IR). The reaction of the (L-AZD) with: [VO(II), Cr(III), Mn(II), Co(II), Ni(II), Cu(II), Zn(II), Cd(II) and Hg(II)], has been investigated and was isolated as tri nuclear cluster and characterized by: Ft-IR, U. v- Visible, electrical conductivity, magnetic susceptibilities at 25 Co, atomic absorption and molar ratio. Spectroscopic evidence showed that the binding of metal ions were through azide and carbonyl moieties resulting in a six- coordinating metal ions in [Cr (III), Mn (II), Co (II) and Ni (II)]. The Vo (II), Cu (II), Zn (II), Cd (II) and Hg (II) were coordinated through azide group only forming square pyramidal

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Publication Date
Sun Jul 01 2018
Journal Name
Pakistan Journal Of Biotechnology
Correlation between BOD5 and COD for Al-Diwaniyah wastewater treatment plants to obtain biodegradability indices.
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The present study aims to establish an empirical correlation between biochemical oxygen demand (BOD5) and chemical oxygen demand (COD) of the sewage flowing in Al-Diwaniyah wastewater treatment plant. The strength of the wastewater entering the plant varied from medium to high. High concentrations of BOD5 and COD in the effluent were obtained due to the poor performance of the plant. This was observed from the BOD5 /COD ratios that did not confirm with the typical ratios for the treated sewage. Regression equations for BOD5 and COD removal percentages were suggested which can be used to evaluate rapid effluent assessment after the treatment processes or optimal process control to improve the performance of wastewater treatment plants.

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Publication Date
Wed May 01 2019
Journal Name
Research Journal Of Chemistry And Environment
Biodiesel from fresh and waste sunflower oil using calcium oxide catalyst synthesized from local limestone
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Publication Date
Fri Jun 30 2023
Journal Name
Samarra Journal Of Pure And Applied Science
New Ligand-Based Metal Complexes: Synthesis, Spectroscopic Characterization, Thermal Behavior, Anticancer Properties, and Biological Activity
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New ligands, N1, N4-bis (benzo[d]thiazol-2- ylcarbamothioyl) succinamide (L1) and N1, N4- bis (benzylcarbamothioyl)succinamide (L2), derived from succinyl chloride and 2-amino benzothiazole or benzylamine, respectively, have been used to prepare a set of transition metal complexes with the general formula [M2(L)Cl4], where L=L1 or L2, M = Mn(II), Ni(II), Cu(II), Cd(II), Co(II), Zn(II) or Hg(II). The synthesized compounds were characterized using various analytical techniques including TGA, 13C NMR, mass spectroscopy, 1H and Fourier-transform infrared (FTIR) spectroscopy, magnetic measurement, molar conductivity, electronic spectrum, (%M, %C, %H, %N) and atomic absorption flame (AAF) analysis. The results showed that (L1, L2) bin

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Publication Date
Mon Aug 07 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Photo -induced Electron Transfer Between Ruthenium (II) tris –(2,2  - bipyrdine ) and Methyl Viologen
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Electron transfer (ET) reactions represent an elementary chemical process which occurs in a large  variety of molecules, ranging from small ion pairs up to large biological system.      A theoretical study of photo – induced electron transfer between Ruthenium (II) tirs -( 2,2 ï‚¢- bipyrdine ) Ru(bpy)  2 3 and Methyl Viologen MV2+ in a variety of Solvents at room temperature is presented . This study is based on an optical activation by the absorption of light .The Solvent is described by a dielectric continuum model, and  the transferring is represented by a quantum mechanical wave function . In this application, the reorganization energy  , the driving free energy  Gï

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Publication Date
Wed Apr 28 2021
Journal Name
2021 1st Babylon International Conference On Information Technology And Science (bicits)
An Efficient Method for Stamps Verification Using Haar Wavelet Sub-bands with Histogram and Moment
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Publication Date
Mon Feb 01 2021
Journal Name
Iop Conference Series: Materials Science And Engineering
Pre-dissolved Inorganic Carbon (DIC) for cultivation Chlorella sorokiniana MH923013, Coelastrella MH923011 and Coelastrella MH923012
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Abstract<p>A step to net-zero of carbon dioxide losses in the microalgae cultivation process was targeted in the current study. This research was carried out by using pre-dissolved inorganic carbon (DIC) as a source of carbon with two doses of twenty-five and fifty millilitres. <italic>C. sorokiniana</italic> MH923013, <italic>Coelastrella</italic> MH923011 and <italic>Coelastrella</italic> MH923012 strains were used in the present investigation. The experimental data emphasized the direct influence of carbonic solution on microalgal growth according to the fast adaption of algal cells and higher productivity compared to control and dilution cultures. It was observe</p> ... Show More
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