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Standards of creditworthiness of customers and their impact on the liquidity of Iraqi private: Applied research in a sample of Iraqi private commercial banks
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Customers' creditworthiness standards are the key means employed by private commercial banks in assigning a suitable credit assessment for each customer. Accordingly, it had an instrumental role in indicating the degree of solvency of the potential customer before granting the required credit. The research problem reveals the nature of the relationship between the criteria of customer’s creditworthiness and banking liquidity. The most critical objectives of the study shed light on the role of using creditworthiness criteria as a tool for credit analysis of customers by banks that help reducing credit risks and thus increase banking liquidity. The questionnaire that was distributed to bank employees, the research sample, which was (8) was adopted. A bank, in addition to analyzing the financial statements of those banks listed in the Iraq Stock Exchange as a tool in collecting data related to research. The research reached a number of conclusions, the most important one is that the Central Bank of Iraq did not issue instructions according to which the model for creditworthiness criteria for customers was determined for the purpose of adoption by all commercial banks in Iraq, and then the research recommended a set of recommendations that need to be taken. The competent authorities take appropriate measures

Keywords: (criteria, customer’s creditworthiness, liquidity, private commercial banks).

 

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Publication Date
Mon Jun 01 2026
Journal Name
Journal Of Baghdad College Of Dentistry
Gingival and alveolar ridge tumor-like overgrowth lesions
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Background: Tumor-like overgrowth lesions of the oral mucosa are pathological growths that project above the normal contour of the oral surface. A practical classification can be made according to the site of origin, the etiology and the histological appearance. The aim of this article is to evaluate and analyze patients with gingival and alveolar ridge tumor-like overgrowth lesions in terms of surgical treatment, diagnosis and outcome. Materials and Methods: Patients complaining of these lesions were treated by surgical excision under local or general anesthesia; the excised lesions were submitted for histopathological examination, during the follow up period the patients were examined for complications and recurrence. Results: Pyogenic gr

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Publication Date
Sun Jun 11 2017
Journal Name
Al-academy
Overlap Between Contemporary Art Contexts And Quotation Intertextuality
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Despite the artistic importance that Assumption intertextuality in technical studies, it is indispensable for the artist and writer whatever, Intertextuality s is not a coincidence, is not correct to be so, so that human culture is governed by Trait obstetrics and conclusion shows and the longer the life of culture, whatever it be more fortunate the correlation between the present and the past. From this point the problem of current research was founded in the detection of overlapping contexts in contemporary art between intertextuality and quotation, and concluded by identifying the most important terms in the search, while the second chapter highlighted the intertextuality in contemporary artistic discourse and the types of intertextua

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Publication Date
Fri Jun 01 2018
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
Relationship between federal budget estimates And actual implementation
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he public federal budget of the state includes estimated figures for state revenues and expenditures for the next fiscal year. The estimation process is one of the main parts of the preparation of the general budget of the state and the accuracy in the estimation of revenues and expenditures of the most important principles that should be based on the process of making estimates and should not overestimate the assessment process to ensure the availability of funds in the future in all cases, which lead to unfair distribution of allocations, so the research aims to study The case of preparing the budget in the Directorate and how to estimate the expenditure in, by the analysis of operating budgets and identify deviations in the implementa

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Publication Date
Sat Jan 01 2022
Journal Name
Journal Of Engineering
Gas Adsorption and Storage at Metal-Organic Frameworks
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Dry gas is considered one of the most environmentally friendly sources of energy. As a result, developing an efficient strategy for storing this gas has become essential. In this work, MOF-199 was synthesized and characterized in order to investigate the MOF-199 in dry gas adsorption using a built-in volumetric system (methane, ethane, and propane from Basrah gas company). The MOF-199 (metal organic framework) was synthesized using the solvothermal method at 373K for 24h, and then it was characterized. The dry gas adsorption on MOF-199 was studied under various conditions (adsorbent dosage, contact time, temperature, and pressure). The isothermal adsorption of the dry gas had been studied on MOF-199 using two types of mo

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Publication Date
Mon Jan 02 2017
Journal Name
Journal Of Educational And Psychological Researches
Test anxiety and cognitive representation among university students
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This study was conducted to determine the relationship between test anxiety and cognitive representation among university students. To this end, 152 student (male, female) were chosen randomly from scientific and social departments to fill out the questionnaires of test anxiety and cognitive representation. The researcher utilized Independent Samples T-Test, Pearson product-moment correlation coefficient, Cronbach's alpha and T-Test in his study. The result revealed that there were negative and a weak correlation between test anxiety and cognitive representation among university students.

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Publication Date
Mon Dec 18 2023
Journal Name
Journal Of Iraqi Al-khwarizmi
Fibrewise Multi-Compact and Locally Multi- Compact Spaces
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The primary objective of this paper is to introduce a new concept of fibrewise topological spaces on D is named fibrewise multi- topological spaces on D. Also, we entroduce the concepts of multi-proper, fibrewise multi-compact, fibrewise locally multi-compact spaces, Moreover, we study relationships between fibrewise multi-compact (resp., locally multi-compac) space and some fibrewise multi-separation axioms.

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Publication Date
Sun Sep 11 2022
Journal Name
Electronics
IoT-Based Motorbike Ambulance: Secure and Efficient Transportation
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The predilection for 5G telemedicine networks has piqued the interest of industry researchers and academics. The most significant barrier to global telemedicine adoption is to achieve a secure and efficient transport of patients, which has two critical responsibilities. The first is to get the patient to the nearest hospital as quickly as possible, and the second is to keep the connection secure while traveling to the hospital. As a result, a new network scheme has been suggested to expand the medical delivery system, which is an agile network scheme to securely redirect ambulance motorbikes to the nearest hospital in emergency cases. This research provides a secured and efficient telemedicine transport strategy compatible with the

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Publication Date
Wed Nov 01 2017
Journal Name
Journal Of Economics And Administrative Sciences
" employees voices behaviors: Theoretical concepts and thinking approaches
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The concept of employees voice has received a great deal of attention by researchers in the field of organizational behavior and human resources management especially in the last three decades of the twentieth century , this importance has deep ranges limits in terms of its discussion history, so it became a behavioral variable received a great attention and care in managerial and organizational studied and basic pillar in the success and excellence of organizations in maintaining its human resources, the research explain the concept and benefits of paying attention to the voice of employees in business organizations , and the theories interpreted to employees voicing and clearing the motivations behind employees voicing, and dis

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Publication Date
Tue Sep 01 2020
Journal Name
Journal Of Engineering
Urban Form Elements and Urban Potentiality ( Literature Review)
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Morphological theories shape the leading platform to theoretically and practically consider the assets connected with the emergence of the city, and its growth and development over time. In this paper, five elements of the urban form are typified: structure/tissue, plot, building, block, and the street pattern will be addressed. Understanding the urban form at the different levels within its ingredients could lead to shape a base launch of how to consider the potentiality of the development and sustainability of a particular area.   

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Publication Date
Wed Mar 01 2023
Journal Name
Journal Of Engineering
Directive and Steerable Radiation Pattern using SASPA Array
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This work examines the ability of a special type of smart antenna array known as Switched Active Switched Parasitic Antenna (SASPA) to produce a directive and electronically steerable radiation pattern. The SASPA array consists of antenna elements that are switchable between active and parasitic states by using P-Intrinsic-N (PIN) diodes. The active element is the element that is supplied by the radio frequency while short-circuiting the terminals of an element in the array results in a parasitic element. Due to the strong mutual coupling between the elements, a directional radiation pattern with high gain and a small beamwidth can be produced with only one active element operating at a time. By changing the parasitic state to the active

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