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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
Sun Jan 16 2022
Journal Name
Iraqi Journal Of Science
Fuzzy Entropy in Adaptive Fuzzy Weighted Linear Regression Analysis with Application to Estimate Infant Mortality Rate
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An adaptive fuzzy weighted linear regression model in which the output is based
on the position and entropy of quadruple fuzzy numbers had dealt with. The solution
of the adaptive models is established in terms of the iterative fuzzy least squares by
introducing a new suitable metric which takes into account the types of the influence
of different imprecisions. Furthermore, the applicability of the model is made by
attempting to estimate the fuzzy infant mortality rate in Iraq using a selective set of
inputs.

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Publication Date
Mon Apr 30 2018
Journal Name
Journal Of Theoretical And Applied Information Technology
An efficient artificial fish swarm algorithm with harmony search for scheduling in flexible job-shop problem
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Flexible job-shop scheduling problem (FJSP) is one of the instances in flexible manufacturing systems. It is considered as a very complex to control. Hence generating a control system for this problem domain is difficult. FJSP inherits the job-shop scheduling problem characteristics. It has an additional decision level to the sequencing one which allows the operations to be processed on any machine among a set of available machines at a facility. In this article, we present Artificial Fish Swarm Algorithm with Harmony Search for solving the flexible job shop scheduling problem. It is based on the new harmony improvised from results obtained by artificial fish swarm algorithm. This improvised solution is sent to comparison to an overall best

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Scopus (3)
Scopus
Publication Date
Mon Oct 30 2023
Journal Name
Iraqi Journal Of Science
3D Resistivity Imaging Investigation for Engineering Construction Project Studies at Al-Muthana Airport in Baghdad, Iraq
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     Engineering project assessment at Al-Muthana Airport in Baghdad, Iraq, has been studied using a 3D electrical resistivity imaging survey. The site investigation is crucial for assessing the future of the region's infrastructures since it reveals the location of buried facilities or weak zones below the surface and measures localized groundwater levels. Wenner-Schlumberger array was used to conduct four parallel 2D electrical resistivity spreads (MU1 to MU4). Each spread line was 100 m in length with 1 m electrode spacing and an average spacing of 9 meters between any two adjacent lines. The depth of the investigation was around 23.8 m. Survey lines were drawn going from northwest to southeast. These spreads were combined to prov

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Publication Date
Tue Oct 09 2018
Journal Name
Bulletin Of The Iraq Natural History Museum (p-issn: 1017-8678 , E-issn: 2311-9799)
THIRTY TWO ALGAE NEW RECORDS REPORTED IN PONDS AT GWER SUB-DISTRICT, ERBIL -KURDISTAN REGION, IRAQ
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    This study was carried out from February to October 2012 in six semi salty ponds in Gwer sub-district which is the first work in the area. A total of 32 species and 2 genera of algae where reported as the new records. Mostly the non diatoms are belonging to Cyanophyta, Chlorophyta, Euglenophyta, Cryptophyta, Chrysophyceae, while diatoms or Bacilariophyceae are belong to pennals- order.

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Publication Date
Wed Feb 08 2023
Journal Name
Iraqi Journal Of Science
Texture Features Analysis using Gray Level Co-occurrence Matrix for Abnormality Detection in Chest CT Images
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Texture is an important characteristic for the analysis of many types of images because it provides a rich source of information about the image. Also it provides a key to understand basic mechanisms that underlie human visual perception. In this paper four statistical feature of texture (Contrast, Correlation, Homogeneity and Energy) was calculated from gray level Co-occurrence matrix (GLCM) of equal blocks (30×30) from both tumor tissue and normal tissue of three samples of CT-scan image of patients with lung cancer. It was found that the contrast feature is the best to differentiate between textures, while the correlation is not suitable for comparison, the energy and homogeneity features for tumor tissue always greater than its valu

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Publication Date
Wed Dec 30 2009
Journal Name
Iraqi Journal Of Chemical And Petroleum Engineering
Mixed convection in an Horizontal Rectangular Duct Including interior Circular Core with Time periodic Boundary Condition
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Numerical Investigation was done for steady state laminar mixed convection and thermally and hydrodynamic fully developed flow through horizontal rectangular duct including circular core with two cases of time periodic boundary condition, first case  on the rectangular wall while keeping core wall constant and other on both the rectangular duct and core walls. The used governing equations are continuity momentum and energy equations. These equations are normalized and solved using the Vorticity-Stream function and the Body Fitted Coordinates (B.F.C.) methods. The Finite Difference approach with the Line Successive Over Relaxation (LSOR) method is used to obtain all the computational results the (B.F.C.) method is used to generate th

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Publication Date
Fri Jun 24 2022
Journal Name
Iraqi Journal Of Science
Using Computer Processing Interpretation (CPI) Technique to Evaluate Mishrif Formation in Garraf Oil Field, Southern Iraq
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The aim of this study is to determine and evaluate the units and subunits of Mishrif Formation in Garraf oil field 85 km north of Nasiriyah city depending mainly on the geophysical well logging data and other amiable geological information. The sets of the geophysical well logs data acquired from GA-4, GA- AIP, GA- B8P, GA-3 and GA-5 wells of Garraf oil field are used to determine the petrophysical and lithological properties for each zone in Mishrif Formation to locate, define and evaluate hydrocarbon production from each zone in the reservoir which is also known as formation evaluation. The digitization was done by using Didger software and the interpretations were made using Interactive Petrophysics Program v 3.5 and Petrel software.

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Publication Date
Fri Dec 30 2022
Journal Name
Iraqi Journal Of Science
Using Remote Sensing Coupled with Analytic Hierarchy Process Approach for Evaluating Water Harvesting in Baglia Site
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    This research involves the application of spectral indices and GIS techniques coupled with the Analytic Hierarchy Process, to assess  Baglia site, eastern Missan, as a water harvesting potential site. The AHP and pairwise comparison have been used through select four criteria including TWI, TRI, MNDWI, and NDSI, which were deemed as impact factors for this study. All these criteria have been weighted according to their significance in the water harvesting system. The findings of the AHP analysis method explained that the WH potential zones in Baglia site were divided into three zones, namely, high,  medium, and low suitability. The findings demonstrate that  Bglia site, where the highly appropriate zone is located in the deep v

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Scopus Crossref
Publication Date
Fri Jul 01 2022
Journal Name
Iraqi Journal Of Science
Multi-layer Multi-objective Evolutionary Algorithm for Adjustable Range Set Covers Problem in Wireless Sensor Networks
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Establishing complete and reliable coverage for a long time-span is a crucial issue in densely surveillance wireless sensor networks (WSNs). Many scheduling algorithms have been proposed to model the problem as a maximum disjoint set covers (DSC) problem. The goal of DSC based algorithms is to schedule sensors into several disjoint subsets. One subset is assigned to be active, whereas, all remaining subsets are set to sleep. An extension to the maximum disjoint set covers problem has also been addressed in literature to allow for more advance sensors to adjust their sensing range. The problem, then, is extended to finding maximum number of overlapped set covers. Unlike all related works which concern with the disc sensing model, the cont

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Publication Date
Sat Jan 01 2022
Journal Name
Journal Of Pharmaceutical Negative Results
Gentiopicroside ameliorates lipopolysaccharide-induced acute kidney injury by inhibiting TLR4/NF-κB signaling in mice model
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