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The impact of the procedures of the Banking Compliance Controller on the decision to grant credit and default: Applied research in a sample of Iraqi banks
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Abstracts:

The Central Bank is the backbone of the banking system as a whole, and in order to maintain the banking system, one of the most important functions that the Central Bank performs is the function of supervising and controlling banks, with several tools and methods, and one of the most important of these tools is its creation of the function of a compliance observer, which obligated commercial banks to appoint a person in A bank that performs this function according to certain conditions and granting it some powers that would build a sound and compliant banking system. The function of the compliance observer is to follow up on the bank’s compliance with the instructions and decisions issued by the Central Bank and decisions issued by the Board of Directors and to provide advice and advice to the bank in order to correct any violations in the application of those instructions In order to avoid being subjected to financial and administrative penalties by the Central Bank, the research came to show the extent of the impact of the compliance observer and the procedures he takes, which would affect the credit policy and the decision to grant credit, which may avoid the bank exposure to credit risks, which results in the bank’s failure and bankruptcy. To clarify the relationship between the main and sub-research variables, a main hypothesis was formulated and two sub-hypotheses were branched from it. The questionnaire was adopted as a tool in collecting data and information related to the research, and then the results were analyzed and hypotheses proved.

Key words: Compliance Monitor ، Banking Compliance،   cash credit ،   bank default

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Publication Date
Thu Nov 29 2018
Journal Name
Al-khwarizmi Engineering Journal
Surface Roughness Prediction for Steel 304 In Edm Using Response Graph Modeling
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Electrical Discharge Machining (EDM) is a non-traditional cutting technique for metals removing which is relied upon the basic fact that negligible tool force is produced during the machining process. Also, electrical discharge machining is used in manufacturing very hard materials that are electrically conductive. Regarding the electrical discharge machining procedure, the most significant factor of the cutting parameter is the surface roughness (Ra). Conventional try and error method is time consuming as well as high cost. The purpose of the present research is to develop a mathematical model using response graph modeling (RGM). The impact of various parameters such as (current, pulsation on time and pulsation off time) are studied on

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Publication Date
Thu May 10 2018
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Securing Data in Wireless Body Area Network Using Hyper-Chaotic Zhou System
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  E-Health care system is one of the great technology enhancements via using medical devices through sensors worn or implanted in the patient's body. Wireless Body Area Network (WBAN) offers astonishing help through wireless transmission of patient's data using agreed distance in which it keeps patient's status always controlled by regular transmitting of vital data indications to the receiver. Security and privacy is a major concern in terms of data sent from WBAN and biological sensors. Several algorithms have been proposed through many hypotheses in order to find optimum solutions. In this paper, an encrypting algorithm has been proposed via using hyper-chaotic Zhou system where it provides high security, privacy, efficiency and

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Publication Date
Sat Jun 30 2012
Journal Name
Iraqi Journal Of Chemical And Petroleum Engineering
Phenyl Thiourea as Corrosion Inhibitor for Mild Steel in Strong Hydrochloric Acid
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The inhibitive action of Phenyl Thiourea (PTU) on the corrosion of mild steel in strong Hydrochloric acid, HCl, has been investigated by weight loss and potentiostatic polarization. The effect of PTU concentration, HCl concentration, and temperature on corrosion rate of mild steel were verified using 2 levels factorial design and surface response analysis through weight loss approach, while the electrochemical measurements were used to study the behavior of mild steel in 5-7N HCl at temperatures 30, 40 and 50 °C, in absence and presence of PTU. It was verified that all variables and their interaction were statistically significant. The adsorption of (PTU) is found to obey the Langmuir adsorption isotherm. The effect of temperature on th

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Publication Date
Tue Aug 01 2023
Journal Name
International Journal Of Electrical And Computer Engineering (ijece)
Energy generation by crystalline silicon photovoltaic network per meter square in Iraq
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<span lang="EN-US">Iraqi people have been without energy for nearly two decades, even though their geographic position provides a high intensity of radiation appropriate for the construction of solar plants capable of producing significant quantities of electricity. Also, the annual sunny hours in Iraq are between 3,600 to 4,300 hours which makes it perfect to use the photovoltaics arrays to generate electricity with very high efficiency compared to many countries, especially in Europe. This paper shows the amount of electric energy generated by the meter square of crystalline silicon in the photovoltaic (PV) array that already installed in 18 states in Iraq for each month of the year. The results of the meter-square of PV arr

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Publication Date
Wed Jan 26 2022
Journal Name
Iraqi Journal Of Science
Thyme Extract as Corrosion Inhibitor for Teeth Filler Alloy in Saliva Media
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In this work the study mainly investigated the inhibition behavior, and the adsorption properties of different concentrations of an aqueous extraction of thyme plant range (5-20) ppm at the temperature range (288-318) K for corrosion of dental amalgam in artificial saliva, by applying electrochemical method. The result showed good inhibitive action for all thyme extract concentration with slight decreases by increasing temperature. The physisorption for thyme extract compound on the surface of dental amalgam obeys Langmuir isotherm. The kinetic parameter for corrosion process and thermodynamic data for adsorption process has been calculated.

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Publication Date
Sun Apr 09 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
An Ecological Study for Irrigational Project (Beat- Zwena River) in Diyala Province
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The current study was conducted on irrigational project called (Beat Zwena River), located in Jadedat- alshat, within the province of Dyala, which is divided from the right side of the Tigris River, the project significant environmental importance was passed in several agricultural areas estimated about 1600 acres, and it is also used for the purposes of irrigation and drinking. One of the major drawback for the current study is the almost lack data about the physiochemical parameter, in addition to measure (chlorophyll a and phyophtin of the River under investigation, in five locations for the period of October 2013 until June 2014. The range of studied properties was: 10.83 -38.75°C and 9.17 -28.5°C for air and water temperature,

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Publication Date
Wed Jul 01 2020
Journal Name
Plant Archive
Furrow irrigated raised bed (firb) technique for improving water productivity in Iraq
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A field experiment was conducted during the agricultural season 2017-2018. In the research station of the Ministry of Agriculture AL Rasheed side, and within the activities and researches of the national program to develop wheat cultivation in Iraq, Two factors were experienced in the cultivation of wheat, The first factor is the method of cultivation of five treatments were used: : Treatment of the cultivation of wheat in the plots (B), Treatment of wheat crops on bed with 50 cm width (S1), 60cm (S2), 70cm (S3) and 80cm (S4), The second factor is irrigation levels depletion of 40, 60 and 80% of available water coded as W1, W2 and W3, respectively, The experiment was designed under randomized complete block design (RCBD) with three replicat

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Publication Date
Thu Mar 01 2018
Journal Name
Tribology International
Discriminating gasoline fuel contamination in engine oil by terahertz time-domain spectroscopy
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Publication Date
Sat Dec 31 2022
Journal Name
International Journal Of Intelligent Engineering And Systems
Dynamic Virtual Network Embedding with Latency Constraint in Flex-Grid Optical Networks
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Publication Date
Mon Apr 04 2016
Journal Name
Journal Of Entomology And Zoology Studies
Defensive behavior in lemon butterfly Papilio demoleus L.(Lepidoptera: Papilionidae) against predation
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