Al Kut Journal of Economics and Administrative Sciences

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This study investigates the casual effect of economic education; similarly it also shows that how decision making phase is done in economic education. This paper also focuses on the relationship between fundamental effects of economic education and decision making; all the countries must focus on the aspect of economic education strong enough to promote the level of decision making. According to the newly establish ideas of the experts, all cancers are being mutualized towards decision making in educational field; We also found some of the facts that education improves the individual’s ability to make all good economic decision for their future goals. Such sort of decision making provides the best path for wide range of outcomes, health and their leaving standard. For the real estimation we launched a national survey of leaders and educationists to figure out the exact numbers that indicates economic education on decision making. The team was well organized and trained to calculate every aspect of survey. The survey was based on number of questions to be asked for the different members to sum of exact result. In different perspective of life ranking from education to decision making, those who have more education are having more chances to have enough outcome then those who have less education. Education provides the ability for everyone to make clear and financial perfect decision based on their present for their future. More educated people have higher priority choices than the others, however there are two main flex challenges to be modified weather you are highly educated or not. The one is to make and take visible judgments regarding what best decisions are to be taken. Distinguish in choices could replicate the outcome on decision making. The second one is to remove the causal effect of education on decision making. The second challenge is complex then the first one because it involves the process of threshold and filterised which is slowly tough and irreversible in majority of cases. We manuscript the significance of assessing financial competence by representing experimentally that an educational involvement can appear highly successful according to conventional outcome measures while failing to improve the quality of financial decision making. The concept is firmly rooted in the principles of choice-based behavioral wellbeing analysis and avoids the types of paternalistic judgments that permeate policy discussions. A vast and growing literature tests the effectiveness economic education on both economic literacy (measurement) and economic selection such as (saving).

Financial stability is the basic foundation upon which all sectors operating in a country are based. Without it, it is not possible to work according to fixed future visions that help decision makers to develop plans and determine financing in a better way that enables the individuals of the state of financial stability and the resulting stability of all sectors. Many of the world's economies in particular and the world in general witnessed a number of crises that caused real disasters that affected all workers in various sectors, not just the financial sector, and since the banking sector constitutes the mainstay of work and the main axis of all economic sectors, whether at the local or global level, it occupies The topic of financial stability is the interest of concerned parties in the banking sectors, whether by central bank locally or in international agreements known as the Basel Accords. With this current research, we attempt to re-test the financial stability indicators used by Central Bank of Iraq and published in the financial stability report and verify the effectiveness of these indicators in ensuring the financial stability of the Iraqi banking sector using hierarchical clustering ( machine learning), A group of banks listed on the Iraq Stock Exchange was chosen as a sample for the research for the period from 2018 to 2023, namely Baghdad, Iraqi Middle East, National Bank Iraq International Development Bank, and Ashour International Bank. The research concluded that these indicators have the ability to guarantee financial stability. Provided that the relationship between these banks is re-examined using the hierarchical clustering tool, while ensuring the accuracy of the data emerging according to the indicators of the banking sector in question.

This study concentrates on estimating the population mean within stratified random sampling utilizing discrete regression estimators, juxtaposed against classical estimators relying on mean squared error (MSE) and efficiency criterion (RE). Despite the ordinary least squares (OLS) estimator's efficacy in accounting for error covariance, it exhibits heightened sensitivity towards outliers. To tackle this challenge, robust regression estimators, such as LTS, Tukey M, and Hampel M, were implemented alongside robust covariance and covariance matrices (MCD and MVE). This study was applied to real data from the Central Bureau of Statistics, specifically the results of the hotel survey in Dohuk Governorate for the year 2020, which included a group of hotels with a size of 115 hotels. By describing the data represented in the total wages paid, the number of employees, the results showed that the (LTS) estimator achieved high efficiency in estimating the regression parameter compared to the rest of the estimators used in the study.