AL Ghary Journal of Economic and Administrative Sciences

This research deals with the banking securitization and its role in solving the housing crisis in Iraq, as it tried to submit along with my view of the most important put researchers on research variables, in addition to the practical side, which included estimated housing deficit in Iraq, and then assuming the securitization of real estate loans to see the extent of the contribution of securitization in the solution the housing crisis, and tried to search for the answer a number of questions embodied her problem ((How can the banking securitization that contribute to solving the housing crisis in Iraq?)).

The research found a set of conclusions, including: The securitization funding new source , where it works on the transfer of financial illiquid assets into liquid financial assets, as well as reduce borrowing costs, reduced credit risk of the assets and went out Find a set of recommendations comes in the forefront: the use of technology securitization in the field of real estate financing in Iraq, and to work to create an appropriate legal environment for it, and activate the stock market, and the increased allocation to the real estate and financial resources

Iraq's economy has witnessed after 2003, many economic problems which caused
by widespread financial corruption and administrative chaos, due to the chaotic
economic openness and rising unemployment and greater reliance on oil
revenues levels. With the collapse of the regime Reformation, programs were
introduced, but they will achieve positive results if the progressive method were
adopted or adopt the model of welfare state, which is based on the tripartite
partnership between the government, private sector and community.

With the Increasing Financial Crises (Domestic and International) and its' negative effects in most macroeconomic variables, it worked many Developing Economies, especially to maintain an appropriate size of the International Reserves in case of emergency and unforeseen circumstances in order to achieve the set goals that are consistent with economic stability requirements. The retention of these Reserves are not only reduces the impact of these crises, but also makes it less likely in certain cases.

To retain a certain size of International Reserves in liquid, especially when it is larger than the size sufficient to achieve economic stability requirements consequent cost is called opportunity cost. It is imperative to weigh the benefits and costs of the acquisition of International Reserves.

It came this research, to clarify the role of International Reserves in Growth GDP in the UAE economy for the period 19882014 and the nature of the impact and vulnerability to their existing growth, and this is done by economic measurement, which is one of the advanced quantitative methods in this field. As well as the extent of the contribution of GDP growth in the sectors of international reserves.

One of the main conclusions reached by the research is, is the international reserves played an important role in the growth and stability of the GDP in the UAE economy, as well as the diversity of sources of accumulation of international reserves in the economy, and this reflects the diversity of the resulting structure and not restricted heavily on unilaterally source.

Growing the interest in recent decades regarding the international foreign reserves and its management which accompanies with the growing of the economic crisis would make preserving a suitable volume of reserves as a safety factor against the internal and external economic shocks as well as an important investment tool. So, the importance of finding measures to assess adequacy of those reserves become crucial in different economic forums. As much as it is concerned with Iraq economy (sample of study), the ending of economic embargo after 2003 and increasing the oil exports along with the rising of oil prices have contributed in accumulating large financial returns from foreign exchange leading into rising the volume of foreign reserves in central bank balance. An adequacy assessment indicator for those reserves has shown that the Iraqi central bank retains large levels more than they should (or ought to) have, and thus may miss the opportunity to invest those returns both externally and internally to improve the economic development in the country.

يهدف البحث الى بيان دور المصارف الالكترونية باعتبارها وسيطا وطرفا فاعلا في التجارة الكترونية من خلال تطوير واستخدام الاساليب والوسائل التي تدعم ذلك ، يحتوي البحث على اربعة محاور وجاءت هذه الاخيرة بنتيجة ان الوسط الحسابي لجميع المحاور مرتفع جدا ، ووجود فروق ليست ذات دلالة احصائية في استجابات المبحوثين تعزى للمتغيرات الشخصية في جميع المحاور حيث لم تصل الدلالة الى مستوى (0.05) ، ومن اهم التوصيات لابد من انشاء وتطوير المصارف الالكترونية لما توفره من ميزات كتوفير الوقت والجهد والاموال سواء للمصرف او الزبائن ، فضلاً عن العمل على انشاء شبكة اتصال موحدة لأجهزة الحاسوب الالي وربطها بشبكة الانترنت والعمل على تقويتها.

This study is based on the hypothesis indicating that the absence of the ability to achieve the right balance between the effective role of the Rentier state and the activating role of the market economy has made the financial policy lose its ability to achieve the objectives of efficiency and sustainability in the oil Rentier utility which in turn affected the financial policy effectiveness negatively and made it part of the oil Rent without providing differentiating opportunities.

The Fiscal Political Tendencies in Iraq During the Rentier State. It includes two sections, the first ( The development of the Fiscal Policy in Iraq), the second ( The Problems of the Fiscal Policy in Iraq).

While the fourth discussed ( The Future of the Fiscal Policy in Iraq) it came in two sections, the first of which is (The Need for Changing Fiscal Policy Tendencies in Iraq). The second included (Future View to the Fiscal Policy in Iraq).

The purpose of this research is examine the role of human resources competencies as a (strategic management, business knowledge, talent management, relationship with employees, quality of work and family life, and information technology) owned by human resource employees in three faculties in AL- Qadeissiah University (Administration &Economics, Education, &Science) to support and promoting strategic performance measurement by (financial hub, customers , internal processes, and innovation and learning). The research relied on questionnaire as a main tool to collect the necessary data needed to achieve its goal. Forty four respondents distributed to determine the level of human resources competencies and strategic performance. The research has been used set of statistical methods represented by weighted mean, standard deviation, Spearman correlation coefficient, & regression coefficient. Research results showed positive significant relationship between human resources competencies and strategic performance. The research also presents set of recommendations the most important the faculties need of the need for the college to provide distinctive support for research and development activities to enhance introduce creative ideas to its members in order to a feature on its outputs the final. Also the need to develop the processes of service currently provided, programs develop, measures of the educational process and using them towards to achieve its goals and objectives of its members

Cloud computing offers a lot of benefits to business section. Most of the companies started to move to cloud computing, besides in the same time some companies specially the large ones still concern about the security in cloud computing. This research aims to discover the awareness among the managers and employees of the IT departments in Yemen organizations about the cloud computing and its security problems, as well as the readiness of moving to the new environment. The results of the data analysis presented that most of participates do awareness about the benefits of cloud computing but the security still unrealized. The Yemeni organizations still need a lot of awareness to their employees. Finally, the researchers presented recommendations to help the organizations move smoothly and safely to cloud computing.

Due to the Sharp Competition in dynamic affair environment, employer affiance considered the important factors that contribute environment adaptation through determination good thoughts and Views to reach new models. Efficient sides present multiple abilities of workers which harmony with competition factors for both internal and external environments (Strengths and weaknesses points, Opportunities and Threats) to achieve company aims which are productivity and service.

For the Success of Organization adaptation for compotation factors, it is important to build principle abilities which can stand to achieve continuous success and long remain in environment with the dominance of continuous changes and technological development. If the organization affair wants to be dominant and become in reliable position it must assure their abilities with different internal and external environment to its competition and get used from them to its benefits to make that too clear on its activities, in respect to the study samples that presents activities of service organization activities side, i.e. private financial sector in Iraq.

From the employee efficiency and competition factors that company with it on principle activities, the study confirm main hypothesis that with their clear interaction finance parasail epistasis for sample chosen banks due to the comparison among them on the basis of some financial parameters which are used by many authors in financial affairs (( Return On Investment (R.O.I) , Return on Equity (R.O.E), Price – Earnings Ratio (PIE) )) from the period 2001 to 2004.

The most important conclusions for both theoretical and practical sides which revealed by this study that banks that their individuals have employer efficiency make it consume what its stored from their employer efficiency with their internal and external environmental limit, make it able for epistasis on financial appraisal competitor. The level of banks arrangement on the idea of level competition was (First, Second and third ). For banks (Baghdad, Iraqi trade and Iraqi Investor ), respectively.

Hence, for these competition levels, there were different profits among them due to bank services produced to the customers.

The study came with some recommendation which the most important was the wishes of service affair organization to remain in competition environment as the way in private affair sector for the sample study, the get any Opportunities and Threats computation and get benefit from it, to principle abilities and an increase in cultural knowledge for workers (employers), and improve internal environment, this is important for both Iraqi banks trade and investor.

The purpose of the research is to specify the nature of the relation of the Marketing information system and its influence on the sustainable competitive advantage. As marketing information system forms the basic motive of all activities and tasks that can be achieved by the organization to fulfil its objectives within work environment and to deal with all changes related to its activities. The sustainable competitive advantage represents one of the challenges to be treated by the organization in order to keep on its existence and investment of its resources in the best way.The problem of this research pointed out a clear disability in the employment of the dimensions of the marketing information system on the sustainability of competitive advantage, Al-Rasheed state bank / Al-Siba'a branch was selected as a field of application. Research sample was selected randomly of (52) member of human resources at the above-mentioned branch; the prospective study adopted to obtain research data, depending on a number of measurement programs and the (SPSS) static program to analyze research data . The static programs showed results that confirmed the existence of the impact of marketing information system on the sustainability of competitive advantage.

The research aims to identify the role of the organizational routines in customer retention in a number of branches of the Agricultural Bank in Wasit province. It was relying on the questionnaire as a key tool in the collection of information, as the questionnaire included three parts specialized the first part of which the personal information of the sample individuals totaling (93) individuals, The second part include paragraphs on interpretative variable search "organizational routines" by (12) items distributed among the three dimensions (working memory, organizational adaptation, organizational rules and values), While the third part of the questionnaire included paragraphs on variable-response research "customer Retention" by (25) items distributed on five dimensions (direction, organizational structure, choice, information systems, and Staffing). The researcher used a number of methods and statistical methods to test his hypothesis.

The research concluded a number of conclusions the most important was that organizational routines affect significantly in customers retaining at the macro level, The research also detect that organizational routines dimensions (organizational adaptation, organizational rules and values) followed in banks (sample) did not record a significant effect in the customers retaining.

The Search recommends the need to move away the surveyed banks from literal stick to apply the organizational routine and only implementing the content of the routine measures are to ensure that no legal contravention , that will ensure the provision of services is compatible with the needs of customers .

This research aims to forward the role of strategic agility, which continents from
four dimensions are: (planning, organizing , employees, and technology). In
order to achieve the entrepreneurial behavior, which continents from three
dimensions are: (innovativeness, proactiveness and risk taking). Therefore, the
researcher selected a sample from Najaf hotels managers, which amounted to
(42) manager. Research hypothesis testing with SPSS program. A questionnaire
was used to collect the necessary data from a sample search. The results showed
that the entrepreneurial behavior of hotel managers can be promoted through the
planning, organizing, extraordinary attention to the employees, and technology.
The recommendations of this research are concluded to need for the hotel
management to recognize the importance of continued exposure to keep abreast
of changes and developments in the business environment. To achieve a growth
and an expansion, which guarantees them abreast of the latest changes and
provide new ideas for their services. Then meet the tastes of visitors and
overcome competitors

The research aims to find the relationship between advertising (IV) and brand positioning (dv). The three axis of (dv) of advertisement (dv) (TV, radio, Poster) have been chose to be tested with the brand perspective positioning (IV). The positive statically relationship has linked between (Tv, radio) and brand perspective positioning, Whereas the negative relationship links between poster variable and brand perspective positioning. SPSS has been used to test the variables.

The current study aims to acknowledge the type of the relationship between the
Strategic deception, and Opportunistic behavior in the work. The employee of
some Iraq universities such as Southern Technical University, Kufa University,
Kerbala University and Al-qadisiyah University. (400) questionnaire had
randomly been distributed and the number of return questionnaires was (300),
where is the useful questionnaire or reached (306) which is (76%) as a response
ratio. More a very the surrey result had no a clear understanding for research
variables. In the scientific part, and based on these programs SPSS v.20. and
Amos v.20., we found out some results which have a relationship of significant
effect has statistically significant between Strategic deception, and Opportunistic
behavior in the workplace and the most important connection between both of
them which plays a pivotal role to affect the Opportunistic behavior. In addition,
the research recommends providing a supreme administration and active
leadership to reduce the Opportunistic behavior in the workplace.

This research aims to explain the interlaced characteristics between organizational health and strategic performance. Furthermore, to build an integrated framework for the fields. Through the available information about the organizational health and strategic performance and the relation between them, so this research are checking of perspective of organizational health dimensions (institutional integrity, Consideration, Initial structure, and moral) with strategic performance. contributions of this research project were an integrated model of Organizational Health and strategic performance empirically tested. The finding show that there are positive effect and correlation between organizational health and strategic performance.

The accounting information has become very important because of the fact that the accounting information system provides information to the internal parties represented by management and its various units, as well as to external parties represented by investors, banks, government agencies, trade unions, civil society organizations,

As accounting provides all the subsidiary systems of the unit with useful information, the accounting information is very important in directing and rationalizing the decisions of the decision makers, and in light of the recent developments that affected the accounting and after there was a gap in the information provided by the accounting units where this information has become in the lists Finance does not meet the required information for the user, especially in the case of economic changes to the purpose (inflation), so methods appeared to help user accounting information to reach a decision, and by displaying this information according to the lost M financial it prepared on the basis of inflation or evaluation of assets on the basis of the current cost. All this in order to convey the image of a credible unity and financial position. In addition to the Accounting Standards Board issued the characteristics called qualitative characteristics of accounting information group in order to enjoy the quality of information has to be applied where these properties be of interest to the user and the decision-maker. The first chapter included the financial statements and the requirements of disclosure while the second chapter included the quality standards of accounting information. The third chapter is the practical aspect of this research. The questionnaire was used to collect data and then analyze it to reach the importance of quality. accounting information in making administrative decisions.

This Research aims to demonstrate the impact of earnings management
components, According model (Kothari el at 2005) as independent variable on
the company's value as a dependent variable, In order to achieve this goal has
been adopted as the main hypotheses answered preliminary study seeks to check
their health , Can put them as follows: - the first (no correlation between
earnings management components according to the model (Kothari el at
2005) and stock prices (representative of the value of the company) And the
second (no effect relationship between earnings management components
according to model (Kothari el at 2005) and stock prices (representative of
the value of the company) The study found the conclusions of several of the
most important: achieving the two main hypotheses .It was the key
recommendations is interested in the financial aspects of investment evaluation
taking into account the relationship They pop up on the actual data for a group of
banks . include the addition of these models variables Other variables such as
profit divided by other financial side and returns.