Iraqi Journal For Economic Sciences

The developing countries, during the 1980s , resorted to establishing free zones , as well as free economic and industrial zones, as a means to promote industry, and enhancing economic development . For this purpose the developing countries used various kinds of incentives, namely tax incentives , basic services as well as infrastructure.
This paper aims to study the industrial zones and analyses their impact in enhancing economic development , by attracting foreign investment , creating a competitive environment for investment , encouraging transfer of technology, creating work opportunities and expanding exports .The paper, also, looks into the problems and challenges , facing some countries in this respect .Then, certain questions concerning industrial zones are raised by the researcher , which we try to answer, in the light of the analyses and the experiences of some countries .
Finally ,some conclusions are drawn , as well as some recommendations are made to enhance the success of those zones, and overcome their problems .

The economic analysis, since the establishment of its pillars until the maturity of its contents and tools, comes later, to investigate the reasons, and homogeneity of qualities , devising what regulates the total phenomena, that researchers and scientists knew about the laws. Based on this introduction, it can be said that inflation, as a phenomenon reflects the imbalance between the two monetary and commodity flow streams, became tangible, with the transition from the economy of self-sufficiency to the economy of exchange. This means that it is existed before the awareness about it, as the accumulation of its effects and the growing fear of its risks is what motivated researchers to study itin depth, they went on to explain its reasons, and shed light on the social and developmental repercussions, and the methods of dealing with different doctrines. We have used its methodologies to study the phenomenon of inflation in the Iraqi economy, and to measure the complementary relationship between its basic variables to get a comprehensive vision that ensures predictability of its future development paths. If we succeed, then we try, but if we failed, we have only tried and make a desired will, and strenuous effort

The research deals with philosophy of interest ( benefit ) from the viewpoint of a researcher in Islamic Economics to clarify of the main directions and the extrapolation of historical evidence, to approximate between the fundamentalists and economists , as far as it comes to what is expected to have an impact on public fiscal policy, i.e , the government fiscal policy (Revenue and Spending), The research has discussed the possibility of benefiting from the fundamentalist technical role for the purposes Sharia) in the financial system and its usefulnes Into considerationk The Muslim jurists doctrines position” sent interest “ and The the motives to introduce or rejecte it , and whether a standard and it was highlighted by the researcher: ( Al Ghazali and AlJouini and AlSharif al Murtaza and Al Bouti and Taqi Al Hakim ) for their intellectual role in the release area of the trends scholars of interest and their impact on jurisprudence, then the researcher after the presentation of this thorny issue by linking each direction with what fits its match with the pubiic fiscal policy, and the required financial policy and ends with him both in its general principles or in its details, and thus this reserch prepares him for iater researches for the refiections to take the interest or benefit , as criterion , or no to take this feature on the fiscal policy Aoti him this research, for example, not limited to the fact that the tax financially( Struggie ) or violation of the rights of the people, or a middle way!

Microfinance is a participatory credit approach through which flexible, convenient and accessible financial services can be made available to empower the poor, prepare them for their choices and build ways to free them from poverty, as it is one of the tools by which these social benefits can be provided on an ongoing, sustained and large scale. The study will focus on the government programs to finance small projects, provided by the Ministry of Labor and Social Affairs and the programs of financing industrial and agricultural projects, in addition to the initiative of the Central Bank of Iraq, through the launch of the National Fund for financing to finance small and medium enterprises. It will also be addressed to the Iraqi Network for Microfinance, and the extent to which these programs can be activated in targeting specific categories. The study starts from the hypothesis that the microcredit program contributes effectively to supporting small and medium-sized enterprises, as they have the appropriate conditions and financing, demanded by the public and private sectors.

The investment in human capital, through human development is one of most important investment ,due to the ability of this human resource to innovate and develop over time compared with the material resource, depleted over time ,especially if it is given to the human resource advanced levels of health ,education and training, These important elements which are indispensable for any of apeople they are the basics of life and the requirements of couutries seeking a bether standard of living under the umbrella of human development .The study found that investment in human capital is facing a set of challenges on the various economic and socidl fronts , which formed a impediment to investment in human capital and activating its role of the developmental process