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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
Sun Feb 03 2019
Journal Name
Journal Of The College Of Education For Women
Sara and other kid's Agony: - Back to Innocence to Save Iraq
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Sara and other kid's Agony: - Back to Innocence to Save Iraq

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Publication Date
Fri Aug 01 2014
Journal Name
International Journal Of Engineering And Innovative Technology (ijeit)
New Predictive Block Matching Searching Algorithms and Hybrid Predictive Search System
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In this paper, two new simple, fast and efficient block matching algorithms are introduced, both methods begins blocks matching process from the image center block and moves across the blocks toward image boundaries. With each block, its motion vector is initialized using linear prediction that depending on the motion vectors of its neighbor blocks that are already scanned and their motion vectors are assessed. Also, a hybrid mechanism is introduced, it depends on mixing the proposed two predictive mechanisms with Exhaustive Search (ES) mechanism in order to gain matching accuracy near or similar to ES but with Search Time ST less than 80% of the ES. Also, it offers more control capability to reduce the search errors. The experimental tests

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Publication Date
Wed Jan 01 2020
Journal Name
دار الكتب والوثائق العراقيه
Introduction to Medical Physics for Pharmacy Students and Medical Groups - ISBNiraq.org
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Introduction to Medical Physics for Pharmacy Students and Medical Groups - ISBNiraq.org

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Publication Date
Fri Jul 01 2016
Journal Name
Indonesian Journal Of Electrical Engineering And Computer Science
Survey Smoothly Fiber-Wireless (FiWi) Accessing Wireless Networks: Convergence and Challenges
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<p> Traditionally, wireless networks and optical fiber Networks are independent of each other. Wireless networks are designed to meet specific service requirements, while dealing with weak physical transmission, and maximize system resources to ensure cost effectiveness and satisfaction for the end user. In optical fiber networks, on the other hand, search efforts instead concentrated on simple low-cost, future-proofness against inheritance and high services and applications through optical transparency. The ultimate goal of providing access to information when needed, was considered significantly. Whatever form it is required, not only increases the requirement sees technology convergence of wireless and optical networks but

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Publication Date
Sat Dec 01 2018
Journal Name
Annals Of Medicine And Surgery
Association between Entamoeba histolytica infection and human leukocyte antigen HLA- DRB1
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Publication Date
Fri Jun 04 2021
Journal Name
Oral Surgery
Calcifying epithelial odontogenic tumour series with unique clinical and histopathological features
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Abstract<sec><title>Background and aims

Calcifying epithelial odontogenic tumour (CEOT) is a benign odontogenic neoplasm of epithelial origin that secretes an amyloid‐like protein tending towards calcification. This study aims to describe a case series from Iraq of one of the rarest odontogenic tumours.

Materials and methods

Clinical and histopathological analysis of Calcifying epithelial odontogenic tumour cases that are archived at the oral pathology laboratory of the college of dentistry (Baghdad University) from 2000 to 2019.

Results

Six cases of CEOT were regi

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Publication Date
Wed Mar 23 2022
Journal Name
Journal Of Educational And Psychological Researches
Mental wandering and its relationship to attention control among university students
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Research summary: The current research aims to identify:

1-Mental wandering among university students 2- Attentioncontrol among universitey students. 3- The relationship between mental wandering and attention control among university students. 4- The difference in the relationship among university students: accoerding to a- the gender variable (males - females) b- according to the specialization variable) Scientific-human), and the results of the current research reached the following: 1- University students have mental wandering associated with the task, and mental wandering that is not related to the task. 2- University students have attentive control 3- There is no relationship between mental wandering associated with task and

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Publication Date
Sat Sep 06 2025
Journal Name
Mesopotamian Journal Of Cybersecurity
Multilevel Text Protection System Using AES and DWT-DCT-SVD Techniques
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In the digital age, protecting intellectual property and sensitive information against unauthorized access is of paramount importance. While encryption helps keep data private and steganography hides the fact that data are present, using both together makes the security much stronger. This paper introduces a new way to hide encrypted text inside color images by integrating discrete wavelet transform (DWT), discrete cosine transform (DCT), and singular value decomposition (SVD), along with AES-GCM encryption, to guarantee data integrity and authenticity. The proposed method operates in the YCbCr color space, targeting the luminance (Y) channel to preserve perceptual quality. Embedding is performed within the HL subband obtained from DWT deco

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Publication Date
Mon Apr 03 2023
Journal Name
Karbala International Journal Of Modern Science
Performance Estimation and System Modeling for Refractive Index Structure Constant Cn2
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Publication Date
Fri Mar 31 2017
Journal Name
Iraqi Journal Of Chemical And Petroleum Engineering
Investigation Desulfurization Method Using Air and Zinc Oxide/Activated Carbon Composite
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In present work examined the oxidation desulfurization in batch system for model fuels with 2250 ppm sulfur content using air as the oxidant and ZnO/AC composite prepared by thermal co-precipitation method. Different factors were studied such as composite loading 1, 1.5 and 2.5 g, temperature 25 oC, 30 oC and 40 oC and reaction time 30, 45 and 60 minutes. The optimum condition is obtained by using Tauguchi experiential design for oxidation desulfurization of model fuel. the highest percent sulfur removal is about 33 at optimum conditions. The kinetic and effect of internal mass transfer were studied for oxidation desulfurization of model fuel, also an empirical kinetic model was calculated for model fuels

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