Kerbala International Journal of Management and Economics

Abstract
The current research seeks to verify the role of building customer relations in creative marketing, and the research problem was represented in the following question (Is it possible to enhance creative marketing by building quality customer relations in the surveyed city) and highlights the importance of research in directing the management of tourist cities to strive towards achieving real loyalty that can From competition under the current conditions, as the research was applied to a sample of workers in the city of Imam Hussein (peace be upon him) for visitors in Karbala, and (86) forms were distributed to workers in that city, and the formulation of the questionnaire was relied on standards from previous studies, The research used a set of statistical tools available in 17 v. SPSS to verify the hypotheses, including (arithmetic mean, standard deviation, alpha Cronbach) and the research reached a set of conclusions, the most important of which was the presence of a significant effect of customer loyalty on creative marketing in the surveyed city. The customer by going towards managing the relationship with the customer and establishing long relationships with him in order to preserve him, discover his needs and desires, respond to customers’ requests and inform them of the dates of completion of services.

Abstract
nologies, especially the modern ones, is one of the most important features of the economies of developed countries becuse of their importance and impact in improving the economic levels in all sectors and achieving high rates of economic growth through influencing the way of the economic resources are been exploited and directed towards and how to benefit from innovations in sustainable production and handling of the wastes resulting from it (pollution) to get a clean, pollution-free environment, thereby to achieve sustainable economic development. Iraq can improve its environmental performance and achieve acceptable levels of sustainable development if the ICT is properly directed towards the desired goals.

Abstract
This study aims to know the impact of technological innovation in its dimensions (service innovation, process innovation, research and development expenditures, and patents) in service design with its dimensions (Customer Satisfaction, Service Provide, Cost, quality, Evidencing, Holistic, Sequencing) on the medical, administrative and nursing staff in all private hospitals in the center of Babel Governorate. It was relied on the questionnaire for the purpose of collecting the necessary data and information from the research community, which amounted to 204 individuals. The study included two main hypotheses, from which emerged a set of sub-hypotheses that show the extent of the relationship and influence between technological innovation and its dimensions, service design and its dimensions. Such that, it was subjected to statistical analysis, and the statistical results showed a positive and significant effect of the technological innovation variable in service design. The study recommended the surveyed hospitals to pay attention to the rapid development of new services in order to keep pace with the rapid development in the provision of these services by other organizations. In addition to the need for hospitals to adopt the latest medical devices and equipment that enhance the services provided to patients, and the hospital administrations' interest in holding workshops and training courses with international institutions in order to develop and improve the skills of workers in research and developing. As it leads to encouraging innovators and honoring those who submit patents in the medical and nursing fields, and providing them with continuous support in order to invest their creative efforts by supporting them with monetary and in-kind incentives and praising them in several situations.

Abstract
Purpose: From the research is to study the relationship between strategic learning and deviation behavior in the workplace, as well as knowing the impact of the independent variable (strategic learning) in its four dimensions (creation of strategic knowledge, distribution of strategic knowledge, interpretation of strategic knowledge, implementation of strategic knowledge), which was measured using the )Sirén scale, 2012: 504)). On the dependent variable (deviation behavior in the workplace) with its four dimensions (deviation behavior towards production, deviation behavior towards property, political deviation behavior, aggressive deviant behavior), which was measured using a scale (Hallajian et al 2013:471).

Abstract
Aim of the current research is to measure the impact of strategic leadership in enhancing high performance in the Popular Mobilization Authority, and to achieve this, the dimensions of the independent variable strategic leadership (focus on workers, process efficiency, business development, and organizational innovation) were adopted. The dimensions of high performance (continuous improvement, openness and active orientation, management quality, employee quality, long-term commitment) were also adopted, which are ready-made foreign standards. On the practical side, a sample of senior administrative and military leaders, directors and officials of directorates in the Popular Mobilization Organization were chosen as a field to search through a questionnaire prepared for this purpose, with a total of (260) respondents. A number of statistical programs have been used to test the research hypotheses, including Excel 2010, SPSS V.23, Amos V.20. One of the most important conclusions he reached is that the strategic leadership has an active and moral role in promoting the high performance of the research community. The research concluded with a number of recommendations, the most prominent of which is working to enhance the aspects of staff development in the Popular Mobilization Authority in order to keep pace with the great developments that keep pace with the work of current organizations, which requires the development of the capabilities and skills of the staffing in accordance with the best leadership and administrative practices that work to keep pace with these developments and make the most of the working staff And push them towards business development entrusted to them.

Abstract
The research aims through its investigations to verify the relationship and impact of professional ethics for workers in the tourism sector as an independent variable in the dimensions of social responsibility as a dependent variable, for a sample of travel and tourism companies in the holy city of Karbala, as the study problem was represented in the great role of professional ethics in enhancing the dimensions of social responsibility, but it is not It is activated by the authorities responsible for the tourism sector, as the researcher adopted the descriptive analytical method in completing the study, which included a sample of (300) workers, with (13) companies distributed according to their occupancy rates. It showed the validity of the hypotheses (there is a statistically significant correlation between professional ethics and the dimensions of social responsibility). As the conclusions of the study, there was a strong impact of professional ethics for workers in achieving the dimensions of social responsibility. The most important recommendations were to emphasize the interest in studying professional ethics for workers; Because it affects the achievement of social responsibility dimensions.

Abstract:
The importance of the current study is manifested in identifying the role of financial inclusion in the growth of the volume of bank deposits and thus access to knowledge of the type and amount of this impact, as these variables and their dimensions contribute to the growth and strengthening of the wheel of the Iraqi economy, as well as setting controls that contribute to the effectiveness of banking branches, and the provision of services to all categories Society, and the study aid ((the effect of applying the policy of financial inclusion in the growth of the volume of bank deposits)) starts from a main hypothesis that there is an impact of financial inclusion in promoting the growth of the volume of bank deposits in the Iraqi banking sector, and the study aims to clarify the nature of financial inclusion and the extent of its contribution to improving The growth of the volume of bank deposits for the Iraqi banking sector and the definition of the importance of each variable of the study (financial inclusion, bank deposits), And revealing the challenges and obstacles that stand in the way of expanding financial inclusion in Iraq. The study was divided into three chapters. The first chapter was about the theoretical framework of financial inclusion and bank deposits.
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البحث مستل من رسالة الماجستير الموسومة/ اثر تطبيق سياسة الشمول المالي في نمو حجم الودائع المصرفية
The second chapter dealt with the reality of financial inclusion and bank deposits in the Iraqi economy. As for the third chapter, It dealt with the standard aspect of the study, and the study reached several conclusions, the most important of which are: The results of measuring the effect of the variables of financial inclusion on the growth of the volume of deposits showed a weak correlation between all the variables of financial inclusion and the growth of the volume of deposits, but it has a significant effect, except for the variable of banking spread whose effect was not significant in dependent variable In light of these conclusions, a set of recommendations was reached, the most important of which are: Working on introducing modern technology for the purpose of creating competitiveness among banks in providing new financial and banking services in a way that raises the elements of financial inclusion and thus develops the banking sector to attract bank deposits.

Abstract
The Algerian economy, like the case of rentier countries, depends to a large extent on oil revenues that are characterized by fluctuation as a result of fluctuating oil prices in global markets. And that any fluctuation in oil revenues greatly affects the stability of the Algerian economy. Therefore, following or raising the level of financial discipline contributes to reducing the negative effects of oil price fluctuations on the Algerian economy. Distributor (ARDL) and the research found that oil prices have a positive relationship with each of the expenditure base and the budget deficit/surplus base and its inverse relationship with the public debt base.

Abstract:
The concepts of circular economy and sustainable development are modern, and many developed countries and countries that enjoy better stability conditions have preceded us, so it would be useful to learn about the experiences of these countries and study them to benefit from them. Shifting to a circular economy that supports sustainable development goals, Where Germany is one of the first countries that was interested in separating and recycling waste and turning it into something useful, that is, into clean renewable energy thanks to its advanced technologies. A number of conclusions were reached, perhaps the most prominent of which is that Germany was able to adopt programs and formulate policies for the transition to a circular economy, and that Thanks to its great industrial heritage, it has become today the first country in the world to produce and export clean energy.

Abstract:
The aim of the research is to determine the relationship and impact between the internal audit procedures for the current budget and the rationalization of government spending by defining these procedures, and determining the amount of commitment to these procedures by internal auditors in the General Directorate of Education in Najaf Governorate. The 65 entrants in the General Directorate of Education in the Najaf governorate are internal auditors, and 61 auditors answered the questionnaire. The purpose of the questionnaire was to determine the extent of their knowledge of internal audit procedures for the current budget and the extent to which they performed these procedures. By the internal auditor to reduce waste and waste of public money. Likewise, most of the research community was not sufficiently familiar with the audit procedures for the current budget and needed to train workers in the Control and Internal Audit Division and enter them in workshops to enable them to audit the elements of the current budget in their directorate, as well as their knowledge of the powers of government spending to contribute to the rationalization of public spending in the Directorate.