Housing finance is one of the main components of housing, and it is relied upon to help families buy, build, add building, and housing improve. Accordingly, different countries all over the world set policies and strategies for the purpose of organizing and developing the financial sector to solve quantitative and qualitative housing problems.

This research aims to identify housing finance policies and strategies in Iraq and Baghdad governorate.

The most prominent sources of housing financing are the Real Estate Bank and the Housing Fund, and accordingly the focus has been on the role of these two institutions in filling

Ajloun Governorate is considered the smallest governorate in Jordan in terms of area, and its population density rises to 472.2 people/ km² and is distributed among five municipalities. The Al-Shafa municipality is one of these municipalities. Al-Shafa is rich in its natural and human resources, and the first municipal council was established in it in 2001.

This study seeks to achieve the following general objective: inventory the natural and human resources that Al-Shafa enjoys, and highlight the role of Al-Shafa municipality in achieving and settling sustainable development for the local community. Certain content, which are: the comprehensive approach to geographical reality, the descriptive

This research studies the impact of Feng Shui principles and place energy on public urban spaces, focusing on analyzing urban spaces in Al-Ghazaliya area in Baghdad city using spatial analysis techniques and DepthmapX 0.8.0 program. The research aims to link the results with the concepts of Feng Shui philosophy to improve the quality of life and enhance social interaction in the urban environment, as the research focuses on understanding the dynamics of the urban network through key indicators such as connectivity, integration, mean depth, and choice, in addition to analyzing the energy impact of these indicators according to the concepts of energy balance in Feng Shui. The research problem is that urban spaces in modern cities, includin

The research addressed the importance of groundwater in the development and stability of human settlements in semi-arid zones. Ain al-Tamr district in Karbala governorate was chosen as a model for this, as the excessive exploitation of groundwater without sustainable alternatives directly threatens the stability of Ain al-Tamr district, as this source has a significant impact on the stability of the district, in addition to the need for optimal exploitation of groundwater in establishing projects in agricultural, industrial, tourism and domestic activities.

The study also recommended the use of new irrigation methods such as pipe irrigation, sprinkler irrigation and drip irrigation, and the use of appropriate groundwater manageme

The research primarily targeted Iraqi experiences in rural development to improve rural stability, as rural stability is a pivotal element in the progress of societies. Rural development plays an important role in achieving this stability by raising the standard of living, providing job opportunities, developing basic facilities, and supporting community participation. The research addressed the most prominent impacts of the Iraqi experience in the scope of rural development and rural stability. The research aims to identify the most prominent characteristics of the Iraqi experience and employ them within the framework of rural stability, study and analyze the developments that occurred in rural stability in Iraq during the period (1951-

This paper attempts to shed light on the most influential factors in the importance of religious buildings were destroyed because of the recent war due to the control of terrorist gangs of ISIS over the city of Mosul, and to prioritize their reconstruction and their role in reviving the historical center of Mosul.

The research’s problem emerged in the lack of knowledge about the identifying the most influential factors in the importance of religious buildings and utilizing them to prioritize their reconstruction. This study aims to analyze the factors influencing the importance of religious buildings using the Expert Choice software through the Analytic Hierarchy Process (AHP) to reach an analysis of their weights and propose p

problem of the research is the decline of the role of urban space with time as an influential system in societal relations. The research aims to define indicators for achieving social interaction in the city, and to determine indicators for achieving integration in the urban space, and to study the relationship between the integration of urban space and community interaction over time. the research assumed that by distinguishing the social interaction space from the urban space and developing urban spaces in order to be truly interactive spaces, this will help us achieve social interaction and build a positive relationship between them, which enables us to achieve integration within the urban spaces leading to social interaction. Because

هناك عوامل عديدة تؤثر في البنية الشكلية للم ا ركز الحضرية التي تشهد تحولات وبصورة مستمرة ومع
توسع المدينة ونموها تفقد هذه الم ا ركز لمقومات بنيتها الحضرية المتكاملة بسبب تلك التحولات الحاصلة
ضمنه وبصورة ديناميكية من اضافات وتغيرات في النمط الحضري الذي يتشكل من عدة نماذج معمارية
جديدة مؤثرة ولأجل ذلك جاء البحث لايضاح اثر هذه العلاقة بين النمط الحضري والنموذج المعماري
وتحولاته في تكاملية البنية ا

In contemporary cities, the expansion of the use of vehicles has led to the deterioration of the urban environment. To counter this, many concepts and strategies emerged that attempted to regulate mobility in cities and limit its effects. The concept of a "complete street" is one of the modern trends concerned with diversifying means of transportation and reducing the disadvantages of mechanical transportation methods This paper discusses the role that complete streets can play in developing the urban environment in the Alyarmok District of Baghdad, which suffers from traffic congestion and its associated problems.In this study, 104 people were surveyed in the Alyarmok region, and the linear regression method was used to analyze their op

THE ACTUAL SOCIETY MODEL

Our society model has been showing signs of exhaustion since the end of the XX century. The recent appearance of the Covid-19 virus is another consequence of humanity's distance from Nature and the environment it inhabits. Also, climate change, environmental deterioration, loss of biodiversity, overexploitation of natural resources, and social inequality are some of the consequences derived from this separation between society and Nature. We must change our operating habits. Inevitably from a society based on the market, hyper consumption, fossil energy and individual enrichment at all costs, we will have to change to another

The types of traditional houses vary from region to region according to physical and non-physical circumstances, and Sulaymaniyah city is characterized by a type of traditional houses that differ significantly from those in most cities and regions neighboring are always different from the general pattern that is prevalent in the region and the Muslim world.

The aim of this research is to study the cause of this difference or distinction in the traditional houses in Sulaimaniyah city, by comparing the most common models in these houses and comparing them with the general models of village houses that originally existed in the region to relaize the convergence and contrast between them. The research was based on a co

Sustainability is a concept embodied in traditional architecture around the world since ancient times through spontaneous experimental compatibility with the environment and efficient exploitation of the natural resources of the environment according to a rapid development of trial and error over the years . Architecture was the basic means that man devised to protect him from the harsh conditions of the external environment by exploiting natural energy sources such as the sun, wind, and soil capabilitie, Many of the principles of sustainability overlapped with the social organization and human behavior of the community as it was reflected in the urban production at the level of standards of city planning and urban agglomerations as well

ان جوهر فكرة المدينة هو أنها تخدم منطقة تابعة . والاصل في وظيفتها هو الجانب الاقليمي . والمدينة وجدت لتؤدي وظائف مركزية وعلى ضوئها تتحدد سيادتها على المساحات التي حولها

وان هذه السيادة نقل بالبعد عنها حتى تكاد تتلاشى بتاثير منافسة مدن اخرى . ان وظيفة المدينة في اقليمها ومدى سيادتها على المساحات التي حولها والتي تحكمها مستوى ومركزية وظائفها تندرج تحت مفهوم الاهمية الاقليمية للمدينة ، وعليه تتحدد اتجاهات

The research deals with Environmental Management and how to develop its programs with the use of Knowledge Management, the environmental programs that integrate with processes can add strategic value to business through improving rates of resource utilization , efficiencies , reduce waste, use risk management, cut costs, avoid fines and reduce insurance. All these activities and processes can improve it through knowledge management, the optimal usage for all organizations information , employ it in high value and share it among all organizations members who involves in modify its strategy . Choosing suitable environmental management information system, develop it and modify it with organization processes, can greatly serve the en

As known, all urban areas are submitted to supervision of independent administration and agencies taken the responsibility of full-filling the service function and protecting the environment with limited investment allocated , controlled by several laws and arrangements, that are contradictory to each other , the result , deteriorate the level of provided services in urban areas and different environmental problems apper , In addition to waste of efforts and resources , This required a great interest to urban areas administration . So , this paper gives attention to the basic standards that must take in consideration of urban areas administration , and the constraint that faces the administration agencies in general , to achieve

الملخص: ظاهرة الزحف العمراني تُعتبر واحدة من الظواهر أو المشاكل المهمة التي تعاني منها البلدان في هذا العالم، حيث تؤثر على الأراضي الزراعية واستدامة المدن، مما يؤدي إلى انكماش وتقلص المناطق الزراعية. تكمن أهمية البحث في معرفة التغييرات التي حدثت في تغطية النباتات خلال تلك الفترة الزمنية وتحديد مدى تأثيرها . يتناول هذا البحث تطور الظاهرة في المنطقة خلال الفترة (2000-2020) في مدينة بغداد، حيث تم استخدام نظم المعل

The environmental problems that have emerged recently as a result of pressure on the environment due to the increase in population size, especially in urban cities, where this increase was accompanied by the need for housing as well as the need for services and activities. This led to the establishment of many vertical residential buildings represented by residential complexes within the urban fabric of the city of Baghdad. As part of following the methodology of urban dictation policies in empty areas, and to accommodate the largest number of residents as a result of the multiplicity of floors and housing, these buildings must be subject to the standards and requirements of sustainability at the level of their spatial location and their

المستخلص:

تعاني معظم المدن العراقية من تزايد معدلات تلوث الهواء وقلة المناطق الخضراء التي تُعدُّ من اهم طرق الحدِّ من الملوثات الجوية ورفع جودة الهواء، مثلت هذه الدراسة تحليلا للعلاقة بين التوزيع المكاني للمناطق الخضراء من جهة وأماكن تركز الملوثات الجوية بمختلف أنواعها من جهة أخرى، ولكون المناطق الخضراء في المدينة تكون بأصناف متعدِّدة وان لكل صنف منها قدرات متفاوتة في الحد من الملوثات الجوي

Levels of primary education are varying in Sulaimaniyah Province, which defines as a lower stage of education process and seems to be found in most settlements to save the individual and community from illiteracy in its traditional notion which means the individuals, potentiality for reading and writing if he/she graduated from this stage successfully. The research can put the priority for goodness of primary education service within Sulaimaniyah Province that includes Sulaimaniyah city as a dominance based on statistical indicator which called the standardized score (z). The indicator (z) calculated for the basic items of primary education to diagnosis the range of developing that service in Sulaimaniyah city especially and put

المستخلص

يأتي التخطيط المكاني وتصميم البيئة الحضرية على رأس الأجندة للتطوير المستدام للمدن والمجتمعات في عصر يشهد توسعًا حضريًا متسارعًا. يتطلَّع الباحثون والمخططون إلى خلق مجتمعات تتمتَّع بجودة حياة عالية الرفاهية، حيث يكون المكان متجاوبًا مع احتياجات الأفراد والمجتمعات ومتطلبات الاستدامة البيئية. وتُقدم هذه الدراسة نظرة شاملة على أهمية تحسين جودة الحياة وتعزيز الربط الاجتماعي في البيئة

إن الحاجة الجمالية وجدت مع الإنسان وتطورت بتطور فكره، فهي حقيقة والحقائق تتطور لا تتغير، فلا بد من دراسة تفاصيل المشهد الحضري للمدينة والإمكانيات الجمالية المتوفرة في المدينة ومبادئ التكوين الجمالي الفنية لغرض استنباط مؤشرات خاصة بالمدينة وربط هذه المؤشرات بالبيئة المحلية وما تحويه من متغيرات زمانية ومكانية،يرتكز البحث على تحليل الظاهرة الجمالية ومديات تطبيقها في مراكز المدن العراقية (مركز مدينة الناص

The research was conducted in the Southern Green Belt Project within the center district of the holy city of Karbala to evaluate its environmental impact and efficiency in reducing air pollutants emitted from the industrial area adjacent to the study area. The pollution attenuation factor (Af ) was used to measure the effects of the green belt on impeding air pollutants. Measurements were taken every season from winter 2023 to Autumn 2024. The results showed that the best impedance of the green belt is when the wind speed increases in the Spring, as 7 out of 12 pollutants were impeded, and its efficiency decreased as the wind speed decreased. In general, The green belt demonstrated weak performance in impeding pollutants, As no significa