Economic Sciences

The research aims to both the economic stability and human development analysis,the model descriptions and regression analysis ,and then analyze .the data and test results , Research Hypothesis has been achieved ,which in spite of the improvement of humandevelopment in dicators of income,education ,health, mazdad gross domestic product as a result of the increase that occurred in the oil prices has been reflected in improving both the income , education and health levels ,but many of the indicators are still negative .

The finical market is considered as one of the important resources for mobilizing the capital in the economy to close the national saving gap. This study includes a trial for performance activation in Iraq stock exchange via commercial banks role in establishing mutual funds. These funds are considered as an important investment tool that can improve market performance.
The issue of this study is the weakness of Iraq stock exchange performance compared with the others in the region.
The purpose of this study is to explain the importance of mutual funds as one of the tools to increase the activity of financial markets through its intermediary role from one side, and its capability to attract different kinds of investors; individuals and institutions on the other side, due to its investment services and implementing this mechanism in the commercial banks in Iraq.
In conclusion, this study inferred the ability of mutual funds as a financial intermediary, as well as the ability of commercial banks establishment to enhance Iraq stock exchange performance

This study aimed to credit policy in the Gulf Commercial Bank assessment, Identify the most important characteristics, and determine the extent of their impact on the financial performance of the bank, The study revealed that the bank has a credit policy formulated in accordance with instructions and regulations and the requirements of the Central Bank of Iraq and within the indicative list and laws issued by him, However not amount required to achieve sustainable development of the Iraqi economy to the level, and that the credit policy affect the financial performance of the bank, The search for the most important characteristics of the credit policy of the bank as conservatively hard-line policy and to what end, And that because it despite the high capital adequacy ratio, but it has a conservatively in granting credit, which results in high liquidity ratios exceed the standard (30%) and indicate the existence of financial resources to Off Ataatovr her credit and investment opportunities appropriate.
The most important thing the study found despite the existence of a written and approved credit policy on the basis of criteria by the central bank A measure credit risk, but it did not rise to the level required and this has a direct impact on the financial performance of the In line with international standards and update management of credit risk procedures and make sure the banks commitment to apply. bank, Thus the CBI improving legislation in and measures to formulate an efficient credit policy .

Iraq has entered in 2003 a new stage of economic and social crises, which are very similar to what with crises witnessed by the developing countries, which have adopted the path of economic reform, despite the enjoy of Iraq in many economic fundamentals, which in the forefront of natural resources and human potential, but the poor economic management and political leaders of the difficult political, economic and social situations, as was the destroy of the infrastructure and the deterioration of the economic indicators and social conditions reached advanced stages of deterioration through higher unemployment and poverty and attainment of dangerous rates, amid these situations came the war on terrorism after June of 2014, which established the predicament economically and socially, so must be adopting of the reform programs to save what can be saved and because it the proper way to go toward development

This study aims to build an integrated strategic planning system along with its applicability; which is represented by the followings: preparation for planning procedure, specifying strategic direction, Key Success Measures, Build and developing the strategy, current situation assessment, annual budget planning , implementation and reviewing and updating the annual strategy; And testing it on the strategical South Oil Company “SOC” performance, from balance scorecard perspective, which is represented in (financial, customer, internal procedure and education and development). In this study, the researcher accounts on the descriptive method. Thus, a Checklist was used in the ) Pilot Study( to diagnose the research problem. Then, design a tested and precise questionnaire to be used as a tool to collect the scientific data from a sample of 182 personnel that are mainly from managers and supervisors in the SOC. Furthermore, the researcher also uses correlations testing on the proposal diagram, such correlation as regression analysis, used to test the direct impact among the study variables. and Pearson, used for specifying the correlation strength among variables. Also In this study, many results were found, and the most important result was that the possibility of applying a full integrated strategical planning system in SOC. In addition, the study found that there is a strong positive correlation among the independent perspective/dimension and the strategical performance using balance scorecard perspectives; moreover, the study involves important potential results that are essential for future studies.

In this research work an attempt has been made to find efficient estimations mean vector (location parameter) and variance - covariance matrix (scull parameter) for linear and quadratic discriminant function and to find the robust linear and quadratic discriminant functions when there is outliers by using a number of high quality robust methods estimation. of these methods are ( S – Estimators ) , M estimator by using weight ( Huber ) and M estimator by using weight ( Cambpe1l ) , moreover , comparing robust discriminant functions with classical discriminant functions to draw out the best discriminant function in order to diagnose two types of diagnosis diseases height rate cholesterol in blood which are : (Clot hearty and Clot stroke ) .

All investors in the financial markets aim at achieving returns that guarantee for them minimum risks that their investments may be vulnerable to, including those that may result from fluctuation in prices of securities invested or exchange rate fluctuations as well as the risk of not being able to abstain from investments at a given time. Therefore, it is difficult for investors to determine returns of investments achieved. However, the risks in these investments can be reduced through a well thought out process of establishing investment portfolios that depend on diversification.
Construction a portfolio under a scientific and studed stardordards is acrucial to have asucsessful investmen