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The effect of salary Domiciliation in the rate of return on assets (ROA): Applied research of a sample of Iraqi banks
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Abstract

The research attempted to find an explanation and solution to a problem related to the fluctuation and decrease In the rate of return on assets for the research sample banks during the duration of the research, The search started from the hypothesis that, The effect of salary Domiciliation on the banking profitability of a sample of Iraqi banks participating in the salary settlement system for the period (2016-2019),The research used the descriptive historical approach, the quantitative analytical approach and the statistical approach. The research reached a set of conclusions, the most important of which is The effect of salary Domiciliation on banking profitability was achieved in three banks at a rate of (50%) of the sample banks. The research also recommended a set of proposals, the most important of which was, The necessity of taking into consideration the Central Bank of Iraq as the sponsor of the salary settlement system, Induce the Iraqi banks participating in it, to expand the range of services provided In light of the electronic payment service for salaries and wages, and searching for services provided by international banks that fall within the scope of electronic payment, and providing them to the public in the Iraqi environment, and in this field the research provides a set of services already applied to international banks, which the Iraqi banking sector lacks, such as a service Masterbase, (Social Pay), application service (online platform) that includes a range of services such as automatic saving and providing financial advice to clients, The necessity of The Central Bank of Iraq to reconsider the commissions cut from the process of transferring the salary to the beneficiary, by reducing those commissions, as over time the beneficiaries of this service will increase, and this increase leads to a reduction in the costs of that system to the participating banks, as a result of distributing them to the largest possible number, which The sponsor of this system is obliged to reduce these commissions.

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Publication Date
Thu Mar 30 2023
Journal Name
مجلة الحقيقة
القوة القاهرة المؤقتة واثرها في تنفيذ العقد ـ دراسة مقارنة ـ
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Publication Date
Mon Dec 16 2024
Journal Name
مجلة( النشرة الدولية في علم اللغة التطبيقي) Sabir. International Bulletin Of Applied Linguistics
فاعلية تطبيق أسلوب المهام الدراسية في اتقان اللغة الاسبانية للطلبة العراقيين
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فاعلية تطبيق اسلوب المهام الدراسية في اتقان اللغة الاسبانية للطلبة العراقيين.

Publication Date
Thu Dec 01 2011
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
أثر تحسين جودة الخدمات التأمينية في تحقيق المزايا التنافسية: دراسة ميدانيــة
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يعد التأمين أحد المؤسسات المالية ذات التأثير على برامج التنمية ، وما زال قطاع التأمين يعاني من العديد من المشاكل منها الوعي أو التشريع أو كيفية توظيفه كمورد اقتصادي واجتماعي خدمة للمجتمع والمؤسسات والافراد. وحيث أن التأمين يقدم خدمة تستوجب التزامها بمواصفات محددة ، لذا أصبح من الضروري دراسة آليات تحسين جودة الخدمة التأمينية وكذلك دراسة واقع العملية التسويقية للخدمة التأمينية وما ينالها من تحديات داخلية أ

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Publication Date
Fri Feb 08 2019
Journal Name
Journal Of The College Of Education For Women
ملامح معاییر نقدیة في مقامة الشعراء (الموفیة) للسرقسطي ت ٥٣٨ ھ
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Stop and stop Alsergsti classed many of the characteristics of great poets and
literary arts and persuasions, in Mqamth cash cash Antzmtha three criteria: the
standard of Islam and the standard time, and Maaartadd purposes of poetry. This
has had its effect on lighting stand many of the goals of the poets and their
attitudes.
The first criterion: Those who study the positions of Alsergsti to poetry and
poets must be discerned his money comes from the spirit of Islam as a religion and
creed and a system, a position that is encouraging him wherever expressed, such as
the Muslim community the new values, away from the vulgarity, which contributed
to the formulation of the standard of religious poetry criticism.

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Publication Date
Tue Jul 02 2024
Journal Name
مجلة الأستاذ للعلوم الإنسانية والإجتماعية
بنية الزمن في رواية ( ما بعد الجحيم ) للدكتور حسين سرمك حسن .
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يعد الزمان عنصراً جمالياً مساهماً له القدرة على خلق المعنى والدلالة ، ومشاركاً في الاستراتيجية الحكائية إذ ينتقل من مجرد عنصر حكائي إلى محرض للمتلقي فهو زمان الإنسان الداخلي .

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Publication Date
Wed Jul 01 2015
Journal Name
Journal Of Educational And Psychological Researches
مدخل في سيكولوجيــة طب الاسنــان علم نفس طب الاسنــان (Psychology Dentistry )
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When we study the history of dentistry we can investigate some methodology styles which  lead us to psychology – dentistry or take the relationship between psychology and dentistry, and this type of specialization  which is Medical psychology has its own methodology and subjects, as the historical sequence in this filed lead to how evolution occurred in this branch of medicine, which was accompanied by many factors , and this factor that contributed to the consolidation of the misconceptions about the social, family and the media culture and gave a distorted picture of Dentistry and the attending physician or dentist  and show  him as someone tough , ruthless and violent in his dealings and style , these pro

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Publication Date
Tue Aug 03 2021
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
Using financial and non-financial information ) SASB standards) to enhance investor confidence
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Companies seek to enhance investor confidence by achieving the highest level of transparency in disclosure of financial and non-financial information (SASB standards) for Iraqi insurance companies listed on the financial market. The aim of the research is to identify the extent of the ability of financial and non-financial information to enhance transparency in reporting, which is reflected in Investor confidence. And the standards of sustainability development accounting issued by (SASB) through the electronic questionnaire that was distributed. Companies seek to achieve a set of goals, the most important of which is to enhance investor confidence by improving transparency in disclosure. Concerning the employment of financial an

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Publication Date
Sun Dec 27 2020
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
تفعيل دور وزارة التخطيط في تقييم الجدوى الفنية والاقتصادية للمشاريع المقترحة
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The success of any work requires the development of prior plans for the success of this work as well as providing the necessary sources of funds for the implementation of those plans, where the start of the research problem of delayed sending project proposals to the Ministry of Planning to do its job oversight in checking the technical and economic of those projects feasibility studies, has sought the researcher to the statement of need activating the role of the Ministry of planning in the study of projects before they are implemented and the trade-offs between important projects and projects the most important as they related to the usefulness of the community as well as the economic feasibility evaluation of them in terms of providin

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Publication Date
Sun Jul 03 2016
Journal Name
Journal Of Educational And Psychological Researches
الرعاية الاجتماعية لمجهولي النسب دراسة ميدانية في احدى مؤسسات الرعاية الاجتماعية
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Considers births illegal for children (illegitimate) phenomenon of negative social phenomena in our society where it's dangerous and the superiority of gravity on other social phenomena Calanhrav, homelessness and other due to poor drainage energies and sexual dysfunction in the value system among its actors and is characterized by the absence of social conscience and a lack of morality and the weakness of the system human-reliance among others.

The morality is the obvious difference between humans and animals. Wade this to say social scientists, while human social animal they said no that he has morals and values ​​do not exist in other organisms so well that births

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Publication Date
Wed Jun 01 2016
Journal Name
Journal Of The College Of Languages (jcl)
Estructura y el análisis de los personajes en la novela“ Sotileza ” de José María de Pereda
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Resumen

    Sotileza , localismo santandrino de sutileza , es la parte más fina del aparejo de pescar donde va el anzuelo. Es la obra maestro de José María de Pereda.Su ambiente , el Santander viejo, anterior al año 50,evocado emocionadamente - emociόn romántica contenida en los trazos sobrios y firmes de un naturalism psicolόgico y paisajista,el Santander que el autor confiesa poseer en el fondo de su corazόn,«y tenerlo esculpido en la memoria de tal suerte que ,a ojos cerrados,me atrevería a trazarle con todo su perímetro y sus calles, y el color de sus piedras, y el número, y los nombres, y hasta las caras de sus habitantes».Dentro de la grandeza primaria de las criaturas de Pere

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