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
Tue Jun 30 2015
Journal Name
Al-khwarizmi Engineering Journal
Studying and Modeling the Effect of Graphite Powder Mixing Electrical Discharge Machining on the Main Process Characteristics
...Show More Authors

Abstract

This paper concerned with study the effect of a graphite micro powder mixed in the kerosene dielectric fluid during powder mixing electric discharge machining (PMEDM) of high carbon high chromium AISI D2 steel. The type of electrode (copper and graphite), the pulse current and the pulse-on time and mixing powder in kerosene dielectric fluid are taken as the process main input parameters. The material removal rate MRR, the tool wear ratio TWR and the work piece surface roughness (SR) are taken as output parameters to measure the process performance. The experiments are planned using response surface methodology (RSM) design procedure. Empirical models are developed for MRR, TWR and SR, using the analysis

... Show More
View Publication Preview PDF
Publication Date
Thu Jun 30 2022
Journal Name
Pakistan Journal Of Medical And Health Sciences
The Effect of Hand Blood Flow on the Peripheral Fingertip Plethysmographic Waveforms Morphology and Pulse Wave Velocity
...Show More Authors

Photoplethysmography (PPG) is a non-invasive optical technique that employs variations in light absorption produced by alteration in the blood volume in capillaries at the skin during the cardiac cycle. This study aims to understand factors related to PPG morphology; a hand-elevation, the study has modified blood flow to and from the finger was conducted in the laboratory. It is widely established that the position of the limb relative to the heart has an effect on blood flow in arteries and venous. Peripheral digital pulse wave (DPW) signals were obtained from 15 healthy volunteer participants during hand-elevation, and hand-lowering techniques wherein the right hand was lifted and lowered relative to heart level, while the left h

... Show More
View Publication
Crossref (1)
Crossref
Publication Date
Thu Aug 17 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Preliminary study on the phytoplankton of the marshes Al-Sallal , Al- Hwizah and Al­ Chebiaysh - South Iraq
...Show More Authors

Phytoplankton  flora in southern marshes of govemorate Al- Basrah ( Al-SallaJ   marsh   )                                  Meissan   (Al-   Hwizah   marsh)   and   Di-qar   (Al­ Chebiaysh  marsh ) were studied from August 12005 to November /2005,

Four Stations were Chosen in each marsh. Identified  species and total

cell count were recorded . As aquality study, (35) species of algae were identified belonged to (23) genus in Al-Sallal  marsh  , (46) speci

... Show More
View Publication Preview PDF
Publication Date
Mon Jan 30 2023
Journal Name
Iraqi Journal Of Science
Study the Effect of Oxygen on Coronene Electronic and Spectroscopic Properties via the Density Functional Theory (DFT)
...Show More Authors

    The electronic properties (such as energy gap HOMO levels. LUMO levels, density of state and density of bonds in addition to spectroscopic properties like IR spectra, Raman spectra, force constant and reduced masses as a function of frequency) of coronene C24 and reduced graphene oxide C24OX , where x=1-5, were studied.. The  methodology employed was  Density Functional Theory (DFT) with Hybrid function B3LYP and 6-311G** basis sets. The energy gap was calculated for C24 to be 3.5 eV and for C24Ox was from 0.89 to 1.6862 eV  for x=1-5 ,respectively.   These energy gaps values are comparable to the measured gap of Graphene (1-2.2 eV). The spectroscopic properties were  compared with experimental measurements, specificall

... Show More
View Publication
Scopus Crossref
Publication Date
Wed Dec 30 2020
Journal Name
Journal Of Planner And Development
Foresight of the development of the housing sector
...Show More Authors

The housing sector in Iraq has suffered from multiple problems, the most prominent of which is the failure of the housing market to achieve housing production that faces population increases and a high number of households.

The research aims to foresight the future of the housing sector,  and to identify the expectations of experts in the development of the housing sector and housing production, in order to overcome the obstacles and problems.

Foresight does not mean forecasting about future events, but rather it is a process and skill aimed at familiarity with providing sufficient knowledge to achieve the desired future goals, Accordingly, adopting a method of future foresight will reduce error,  surprise and s

... Show More
View Publication Preview PDF
Publication Date
Sat Oct 01 2016
Journal Name
Journal Of Economics And Administrative Sciences
Modeling sequential preparation with rheumatoid tonsils in Nineveh for the period 2004-2009
...Show More Authors

Abstract
             In this research will be treated with a healthy phenomenon has a significant impact on different age groups in the community, but a phenomenon tonsillitis where they will be first Tawfiq model slope self moving averages seasonal ARMA Seasonal through systematic Xbox Cengnzla counter with rheumatoid tonsils in the city of Mosul, and for the period 2004-2009 with prediction of these numbers coming twelve months, has found that the specimen is the best representation of the data model is the phenomenon SARMA (1,1) * (2,1) 12  from the other side and explanatory variables using a maximum temperature and minimum temperature, sol

... Show More
View Publication Preview PDF
Crossref
Publication Date
Wed Jun 29 2022
Journal Name
Journal Of The College Of Education For Women
EFL Student- Teachers' Perception in the Culture of Thinking
...Show More Authors

Many studies have recommended implying the skills and strategies of creative thinking, critical thinking, and reflective thinking in EFLT curriculum to overcome EFL teaching-learning process difficulties. It is really necessary to make EFL teachers aware of the importance of cultural thinking and have a high perception of its forces. Culture of thinking consists of eight cultural forces in every learning situation; it helps to shape the group's cultural dynamic. These forces are expectations, language, time, modeling, opportunities, routines, interactions, and environment. This study aims to investigate EFL student-teachers’ perceptions of cultural thinking. The participants are selected randomly from the fourth-stage students at the D

... Show More
View Publication Preview PDF
Crossref
Publication Date
Sun Nov 27 2022
Journal Name
Al–bahith Al–a'alami
Gender stereotyping and its relationship to the level of performance of public relations employees
...Show More Authors

This article focuses on the relationship of gender to the effectiveness of both women and men in public relations work. Its aim is to identify the extent to which public relations employees are aware of the concept of gender, and to reveal the role of the institution in determining certain roles for both women and men at work, as well as to find out which employees are most effective in public relations activities within the institution.

The researcher uses public relations employees and officials in Iraqi ministries as a research sample to capture the point of view of both parties on the effectiveness of workers in public relations based on the definition of gender. The sample consists of 396 individuals

... Show More
View Publication Preview PDF
Crossref
Publication Date
Mon May 01 2023
Journal Name
Journal Of Engineering
The Effect of Type of Fiber in Density and Splitting Tensile Strength of SIFCON
...Show More Authors

SIFCON is characterized as a construction material of high ductility and very high strength. It is suitable for concrete structures used for special applications. However, the density of SIFCON is much higher than that of Fiber Reinforced Concrete (FRC) due to the need for a large amount of high-density steel fibers. This work examines the split tensile behavior of modified weight slurry infiltrated fiber concrete utilizing a mixture of two types of fibers, steel fiber, and polyolefin fiber. For the investigation, 30 cylinders and 15 cubes were poured. The used volume fraction (V.F) is (6 %) and the use of five series once as each type separately and once a hybrid in proportions of 2/3 polyolefin with 1/3 steel fiber and

... Show More
View Publication Preview PDF
Crossref
Publication Date
Tue Aug 31 2021
Journal Name
Iraqi Journal Of Science
A 2D Seismic Reflection and Interpretation Study of the Khan Al-Baghdadi area within the Palaeozoic Era (western Iraq)
...Show More Authors

     This research deals with a 2D seismic structural and stratigraphic interpretation of Khan Al-Baghdadi area which is located in the western part of Iraq in Anbar governorate. Two main seismic reflectors are identified within the Silurian and Ordovician; these are the Hot_shale_1 within Akkas Formation and the Top Khabour Formation, which were deposited during the Paleozoic, based on synthetic seismogram of Akk_3 well near the study area. Time, depth, and velocity maps show the presence of two anticline structures trending east-west and located on the west side of the study area. The first is the Tulul structure (here denoted as A) and the second is denoted as B. Also, the maps show the increase in time towards the

... Show More
View Publication Preview PDF
Scopus (3)
Scopus Crossref