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تكييف البيئة المصرفية العراقية وآلية التحول نحو الصيرفة الالكترونية
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إن عملية التحول إلى استخدام نظم وتطبيقات الصيرفة الالكترونية هي احد التحديات الإدارية الكبيرة التي تواجهها المصارف العراقية حاليا ،  إلا انه لا يمكن تحقيق هذا التحول من دون وضع خطة مبنية على أسس صحيحة ومتطورة توائم بين البيئة التي تعمل داخلها المصارف العراقية (ثقافة المصرف وقدراته وإمكانياته والجهات الساندة) من جهة  ، وبين التحديات والمصاعب المرتبطة بالاستخدام المكثف لتكنولوجيا المعلومات والاتصالات من جهة أخرى.

        وقبل الدخول في التفاصيل الخاصة بتكييف بيئة الصناعة المصرفية العراقية وتقديم منهج العمل الخاص بالتحول إلى الصيرفة الالكترونية ،  يمكن القول – ومن دون تقليل دور الجهات الأخرى في العملية الإجمالية -  بأن عملية الموائمة بين البيئة المصرفية وتحديات الصيرفة الالكترونية يمكن أن تتم على ثلاثة أصعدة أساسية وكما يأتي:-

الصعيد الأول:- الدولة: وضع خطة إستراتيجية واضحة لدعم الصيرفة الالكترونية وإزالة العوائق أمامها ولا يعني تدخل الدولة بالضرورة إبقاء سيطرتها المباشرة (تملكها) للقطاعات المختلفة ومنها الاتصالات ، إنما تتدخل لوضع الخطط المناسبة لتوفير ودعم البنى التحتية اللازمة للانترنيت والمساعدة على خلق الوعي العام لدى الجمهور ،  من خلال تعميم النفاذ إلى وسائل الاتصال بجميع إرجاء البلاد  ،  ونشر الثقافة الرقمية في مختلف الميادين.  كما إن الدولة تكون معنية أيضا بوضع الإطار القانوني اللازم الصيرفة الالكترونية الذي يضمن حماية جميع الأطراف المشتركة في العمليات المصرفية وكذلك تأهيل الملاكات البشرية لتكون قادرة على التعامل بكفاءة مع التكنولوجيا الجديدة.

الصعيد الثاني:- المصرف:  وضع خطة إستراتيجية لتطوير التكنولوجيا المستخدمة داخل المصرف والاستفادة مما تقدمه عمليات ربط المصرف بشبكات الاتصالات الداخلية والدولية.  ووضع خطة مكثفة لتطوير أداء وكفاءة العاملين من خلال إشراكهم بدورات مكثفة (داخلية وخارجية)، وذلك بما بتناسب والمهارات التي تتطلبها التطبيقات المصرفية الالكترونية،  والمساهمة في تطوير الوعي المصرفي للجمهور من خلال القيام بحملة إعلامية واسعة للتعريف بالتطبيقات ،  والمهام والخدمات الجديدة التي تطرحها الصيرفة الالكترونية.

الصعيد الثالث:- الزبون:  إن نجاح التطبيقات الجديدة يعتمد بشكل كبير على مدى الاستجابة التي سوف يبديها الزبائن تجاه الخدمات الالكترونية الجديدة.  وكذلك مقدار الوعي الذي يمتلكه هؤلاء الزبائن والذي سينعكس بالتأكيد على سرعة انجاز عملية التكييف للبيئة المصرفية.

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Publication Date
Sun Dec 16 2018
Journal Name
Al-academy
The Pressing References towards Abstraction in Arab and Islamic Art
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The Arab Islamic art was best known as pure abstraction or realism distorted from what is natural. The two styles, or one of them, was the most prominent in the Islamic arts, such as decoration, photography and architecture. The analogy that was prevalent in the non-Islamic world did not have a presence equivalent the aforementioned styles despite the great openness to the cultures of different countries, which characterized that stage, which resulted from the Islamic conquests, the conversion of many people to the Islamic faith, and their migration to the Islamic cities at the time, bringing with them their arts and methods of formulation. This makes us question the influential references that invite the Arab Muslim artist to follow the

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Crossref
Publication Date
Wed Jun 01 2005
Journal Name
Journal Of The College Of Languages (jcl)
The Picture of the romantic hero in: A Bridge Towards the Basific and The Lover
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This research deals with number of novels for Marguerit Doras , specially A Bridge Towards Basfic and The Lover . we specialize the first chapter for discussing a very important issue , which is the Maraguerit Doras novelist world in another word the most important themes . that we discuss and through that we tried to clerify the privacy the characters of Marguerit Doras in comparative with her own generation and in the second chapter we discussed the most important characteristics of the romantic hero spedially the characteristics of women in her novels.

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Publication Date
Sun Jan 26 2020
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
العوامل المؤثرة على اختيار موقع المشروع الصناعي وأثر ذلك على تلوث البيئة
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There is no doubt though all endemic industrial must be accompanied by environmental contamination problem that is closely linked increased industrial activity on the one hand and increase the size of the problem put this industrial waste on the other, and therefore the risk to natural resources and ecosystems as a result of the presence of development projects (especially industrial ones) so it was There must be a sound footing for the sitting of industrial zones and see how their commitment to the appropriate conditions to preserve the environment and enact strict laws to achieve this and prepared well prepared to avoid the numerous errors at the social, economic and technical, environmental and health.

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Publication Date
Fri Sep 30 2022
Journal Name
College Of Islamic Sciences
Principles of war and jihad to protect the environment and civilians in times of war in Islamic Sharia
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Research summary

Islam protects the environment and civilians in peace and war, and in international humanitarian law protection of the environment and civilians in international conflicts only. As for wars and internal conflicts, it is not within the jurisdiction of international humanitarian law. In Islamic law, the principles of protecting the environment and civilians are fixed in all wars and conflicts, whether internal or external, local. or international.

Islam laid down moral principles in war, including:

- Preserving the environment and avoiding corruption in the land by burning trees and killing animals unnecessarily.

- Not to be exposed to non-combatants, including women, boys, the elderly, the disa

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Publication Date
Wed Apr 10 2019
Journal Name
Journal Of The College Of Education For Women
Environmental Impact in the Cultural Output of the Civilizations of Ancient East, Iraq and Eygpt sample
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Our research subject (environmental impact in the cultural output of the civilizations of ancient East) the environmental impact on human civilization and how her and adapted to serve in various cultural aspects especially in ancient cultures whether punches or sculptures and other addresses as well as tracing precious stones and raw materials.  It was the environment of the civilizations of Mesopotamia and Egypt and another effective impact in drawing ancient history through human interaction and responsiveness.  The Iraqi environment was marked by poverty and cruelty on the one hand and on the other cultural elements contributed to the civilization in General and research dealing with technical and product sourcing raw materi

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Publication Date
Sun Oct 04 2026
Journal Name
Al–bahith Al–a'alami
The contents of the opening article of electronic newspaper (Al-Nabaa): (Analytical study of duration 2015 for 2018)
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The study aimed to identify what (isis) (Daesh) have been touched in the opening article of Al-Nabaa newspaper

This objective is organized for asset of sub-targets it is the knowledge of media discourse and for those who are directed and methods of employing the strong content debt organization and we used the survay method to monitor and understand the content of opening anticale and the researcher took the numbers of the newspaper for years 2015-2018 consist of 157

The results of this study are :

 

*  Use religious texts from (Holly qoran) (Abbreission of the prophetic) Remove from its context and empby them in justifying in what use of vio

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Publication Date
Thu Mar 31 2022
Journal Name
مجلة كلية الإدارة و الاقتصاد للدراسات الاقتصادية و الإدارية و المالية
دور مؤشر السيولة المصرفية في الرقابة الإشرافية للبنك المركزي العراقي على المصارف المتخصصة
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عد الرقابة الإشرافية احد اهم الأدوات التي تستخدمها البنوك المركزية في تقييم التزام المصارف بالمتطلبات التنظيمية والقوانين الصادرة منها وتستخدم البنوك المركزية عدة مؤشرات مالية منها مؤشر السيولة المصرفية لتقييم أداء المصارف تجاه حماية أموال المودعين وحماية المصارف من خطر نقص السيولة ومن ثم التعرض للإفلاس، لذا اقتضت الضرورة إلى دراسة مؤشر السيولة المصرفية الذي يستخدم كأحد أدوات الرقابة الإشرافية من قبل ال

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Publication Date
Fri Aug 01 2014
Journal Name
Journal Of Economics And Administrative Sciences
Preventive measures for banking supervision on money laundering (Search in the Gulf Commercial Bank)
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The research aims to study and assess the effectiveness of preventive measures banking for the reduction of money laundering based on the checklist (Check list), which have been prepared based on the paragraphs of some of the principles and recommendations of international and Money Laundering Act No. 93 of 2004 and the instructions thereto, to examine and assess the application of these measures by Gulf Commercial Bank, which was chosen to perform the search.

I've been a statement the concept of money laundering in terms of the definition and characteristics, stages and effects of political, economic and social as well as the nature of banking supervision in terms of the definition and the most important

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Crossref
Publication Date
Mon Sep 01 2014
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
Pricing Banking services and its impact in profitability: بحث تطبيقي لعينة من المصارف التجارية الخاصة
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Current study was Based on the variables interact with each other to form a general framework of  the pricing of banking services, and the role of profitability in the banking activity, because profit is the most important goal of commercial banks,  that  included the study United Bank, North Bank and Bank of Baghdad, and the each formation of bank were was collected about the prices (Iraqi dinar and the U.S. dollar) and interest percentages and then revenue (Iraqi Dinars) through banking channels, and each channel service included a group of well-known banking operations.

The study found that the effect of prices, and interest on profitability and clear. There have been a correlation between the rates, and interes

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Publication Date
Fri Nov 11 2022
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
The initiative of the Central Bank of Iraq and its impact on some banking activities provided by specialized banks
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Specialized banks provide their banking activities to their customers at interest rates that are determined according to the approved bank policy, which is almost similar to most or most banks. To satisfy the financial desires of customers and at the same time it is a source of the bank's profits, However, these banks have been introduced to new services that they provide with the funds of the Central Bank initiative launched at the beginning of (2016) to address the economic stagnation that befell the country due to the (financial security) crisis that the country faced in 2014. To put forward initiatives amounting to nearly (15) trillion dinars, which were put forward through private commercial and Islamic banks and specialized

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