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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
Sun Jan 04 2015
Journal Name
Journal Of Educational And Psychological Researches
القيم السائدة في قصص الاطفال الكردية
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The goal of the research is to identify prevailing values in Kurdish children’s stories, and statistically significant differences between groups. In the theoretical framework, the definitions of values are reviewed. Furthermore, a range of previous studies were offered, with the most important findings.
To achieve the goals of this research, an amount of 14 Kurdish children’s must be analyzed. The selected Kurdish children’s stories must be translated to Arabic conform the classification ’White’.  After confirming the stability of this tool, the researcher reached the following results:

The cognitive and physical values received the highest ratios, while the moral, practical, patriotic and nationalistic values

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Publication Date
Sun Jan 01 2006
Journal Name
Journal Of Educational And Psychological Researches
دور الأسرة في ظاهرة جنوح الأحداث
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تعد الاسرة إحدى الوحدات الاجتماعية التي تهيئ الجيل المتطلع للحياة وهم الاطفال، وهي المهد الطبيعي للطبقة البشرية التي تباشر وتواجه اثراً هاماً تكوين الشخصية والسلوك الاجتماعي والخلقي ، وهي نقطة الوصول والتفاعل بين البيولوجي والاجتماعي وعنها ينشأ التفاعل النفساني ، وشبكة العلاقات الاسرية والعلاقات الخارجية المجتمعة . ومن خلال معاييرها وقيمها ينشأ السلوك سوياً كان ام مرضياً ( جانحاً ) ، ومشكلة جنوح الا

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Publication Date
Fri Nov 03 2017
Journal Name
منشورات الحلبي الحقوقية
الاخلال بالتنفيذ في بيوع التجارة الدولية
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يتناول الاخلال في عقد البيع الدولي للبضائع وفقاً لاتفاقية فيينا والمسؤولية الناشئة عنه

Publication Date
Mon Oct 22 2018
Journal Name
Arab Science Heritage Journal
تصوير تصوير المرأة في الأمثال البغدادية
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     The research covered "the portrayal of women in the Baghdadi proverbs" in the introduction to the proverbs, their importance and the early ones who wrote them, and proverbs in the Arab societies, and was prepared to speak about the Baghdadi proverbs. Then he went on to mention a number of Baghdadi proverbs that talked about women and how to portray them, and the injustice that the society inflicted on them as a result of the look of contempt that is seen to them.

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Publication Date
Fri Dec 30 2022
Journal Name
نسق
المستوى الإيقاعي في شعر فليحة حسن
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Publication Date
Wed Oct 04 2023
Journal Name
Arab Science Heritage Journal
أسس المعيارية في التراث اللغوي العربي
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The Arabs took care of the Arabic language, collected it, and set standards governing it; This is for fear of melody, in order to preserve the language of the Noble Qur’an from distortion, after many of those who are not fluent in Arabic entered Islam; There were many reasons for setting linguistic standards, but although scholars set these standards, we see them often deviate from them, as well as the language’s departure from these restrictions that they set, because language cannot be restricted, as it is subject to the law of use.

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Publication Date
Wed Jan 01 2014
Journal Name
Journal Of The College Of Languages (jcl)
Documentation et imagination dans les vols de Saint-Exupéry
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The writings of famous French novelist Antoine de Saint- Exupery being describes his life and his career as a pilot. That's where aviation and modern means of transport at the beginning of the twentieth century. It is also through his writings that tainted documentary chronicled the history of occupied France by the Germans in World War II. Has contributed to the publication of documents and real events and attended by military missions. However, before he died, wrote us a novel immortal  "The Little Prince ", which is quite different from previous writings in terms of dependence entirely on the imagination. And are almost close to science fiction to fact that the hero falls to the ground in a vague, of a small asteroid. We are tryi

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Publication Date
Mon Oct 22 2018
Journal Name
Arab Science Heritage Journal
طب طب الاطفال في التراث العربي
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The Arabic medicine books have emphasized that the Arabic Pediatricians in their scientific career ,who searched in Various aspects concerns with pediatric , as well as that some  medical results and phenomena emphasized some data related to this subject . Which operates at the present time attention and concern towards human and in public and towards Pediatricians in special.

This research contained from an introduction that interpreted the Arabic medical heritage in progressing medicines in Europe then it mentioned the prominence  Arabic pediatricians . the researcher depended on references and sources which will the reader had found through research.

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Publication Date
Fri Jan 02 2009
Journal Name
Political Sciences Journal
الدور السياسي للاحزاب الاسلامية في تركيا
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الدور السياسي للاحزاب الاسلامية في تركيا

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Crossref
Publication Date
Tue Sep 01 2020
Journal Name
مدلة العلوم القانونية
نطاق حماية المستهلك في القطاع المصرفي
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نطاق حماية المستهلك في القطاع المصرفي