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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
Tue Jul 17 2018
Journal Name
International Journal Of Adaptive Control And Signal Processing
Single channel informed signal separation using artificial-stereophonic mixtures and exemplar-guided matrix factor deconvolution
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Publication Date
Wed May 10 2023
Journal Name
Biomass Conversion And Biorefinery
Lactic acid-based deep eutectic solvents and activated carbon for soap removal from crude biodiesel
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Publication Date
Sun Feb 25 2024
Journal Name
Baghdad Science Journal
Early Diagnose Alzheimer's Disease by Convolution Neural Network-based Histogram Features Extracting and Canny Edge
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Alzheimer's disease (AD) increasingly affects the elderly and is a major killer of those 65 and over. Different deep-learning methods are used for automatic diagnosis, yet they have some limitations. Deep Learning is one of the modern methods that were used to detect and classify a medical image because of the ability of deep Learning to extract the features of images automatically. However, there are still limitations to using deep learning to accurately classify medical images because extracting the fine edges of medical images is sometimes considered difficult, and some distortion in the images. Therefore, this research aims to develop A Computer-Aided Brain Diagnosis (CABD) system that can tell if a brain scan exhibits indications of

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Publication Date
Sun Oct 06 1996
Journal Name
Iraqi Journal Of Chemistry
Synthesis of new Schiff bases derived from [3-amino-3-C-cyano-3-deoxy-1,2:5,6-di-O-isopropylidene-α-D-allofuranose
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Aromatic Schiff-bases are known to have antibacterial activity, but most of these compounds are sparingly soluble in water. The present work describes the synthesis of new Schiff-bases derived from branched aminosugars. Treatment of 3-Amino-3-Cyano-3-Deoxy-1,2:5,6-Di-O-Isopropylene-α-D-Allofuranose (1) with the aldehydes (2) under reflux in methanol afforded the Schiff-bases (3) in good yields. The new Schiff-bases were in accord with their NMR, IR spectral data and elemental analysis.

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Publication Date
Thu Aug 01 2019
Journal Name
International Journal Of Research - Granthaalayah
MULTIPLE MIXING RATIOS OF GAMMA RAY TRANSITIONS FROM 𝟔𝟎𝐍𝐝 𝟏𝟒𝟐− 𝟏𝟓𝟎 (𝐧, 𝐧 ˊ𝛄) 𝟔𝟎𝐍𝐝 𝟏𝟒𝟐− 𝟏𝟓𝟎 REACTION USING 𝒂𝟐- RATIO METHOD
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In the current work, the mixing ratios ( 𝛿 ) of gamma transitions were calculated from energy levels in the isotopes neodymium 60𝑁𝑎 142−150 populated in the 60Nd 142− 150 (n, n ˊγ) 60Nd 142− 150 using the 𝑎2 ratio method. We used the experimental coefficient (𝑎2 ) for two γ-transitions from the initial state itself, the statistical tensor 𝜌2(𝐽𝑖), associated with factor 𝑎2 , would be the same for the two transitions. The results obtained are in good agreement or within the experimental error with -those previously published. And existing contradictions resulting from inaccuracies in the empirical results of previous work. The current results confirm that the , 𝑎2 − method is used to calculate th

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Publication Date
Sun Oct 30 2022
Journal Name
Iraqi Journal Of Science
Power-Efficient Virtual Machine Placement in Cloud Datacenters using Heuristic Assisted Enhanced Discrete Particle Swarm Optimization
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    The increase in cloud computing services and the large-scale construction of data centers led to excessive power consumption. Datacenters contain a large number of servers where the major power consumption takes place. An efficient virtual machine placement algorithm is substantial to attain energy consumption minimization and improve resource utilization through reducing the number of operating servers. In this paper, an enhanced discrete particle swarm optimization (EDPSO) is proposed. The enhancement of the discrete PSO algorithm is achieved through modifying the velocity update equation to bound the resultant particles and ensuring feasibility. Furthermore, EDPSO is assisted by two heuristic algorithms random first fit (RFF) a

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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 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 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
Wed Sep 12 2018
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Lactic Acid Bacteria Biosurfactant Role That Isolated from Human Breast Milk in Inhibit Eyes Pathogenic Bacteria
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     Biosurfactants have a wide-range of applications due to their unique properties like specificity, not toxicity (from LAB) and relative ease of preparation. These properties hold promise of biosurfactants to increase breast milk benefit were isolated and described into Lactobacillus plantarum, Lactobacillus fermentum ,Lactococcuslactis, and Leuconostocmesenteroides.The degree of microbial destruction of disease, which promotes  the effective remediation of disease spreading.This paper presents a review of available research, methods and publications regarding Biosurfactant extraction from Lactic Acid bacteria isolated from human breast milk. 3 samples of human breast milk was provid

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