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Market Risk Premium Drives Fair Value in Iraqi Bank Shares
Full text linkThis research investigates the impact of the market risk premium on the fair value of shares in 14 banks listed on the Iraq Stock Exchange, using the CAPM model to estimate the required rate of return. The study addresses the relationship between the risk premium and intrinsic share value, employing statistical analyses including correlation coefficients and regression analyses. Findings reveal a direct, medium-strength relationship between the risk premium and share value, significant at the 0.02 level. The study highlights low return levels and high economic instability in Iraq, leading to decreased fair value of bank shares. Implications suggest the need for strategic investment opportunities and reduced interest rates on short-term loans to stimulate economic growth under unstable conditions
Adaptive Learning through Artificial Intelligence
Full text linkThis article explores the integration of artificial intelligence (AI) into adaptive learning systems for the purpose of individualizing education through machine learning and predictive analytics. It examines the benefits, challenges and implications of this merger and highlights its potential to revolutionize education by providing a customized and streamlined learning experience. It discusses the role of AI in learner modeling, content customization, and feedback mechanisms, along with considerations such as privacy, data security, and algorithmic bias. AI-powered adaptive learning promises to shape the future of education in the digital age by enabling learners and educators to achieve optimal outcomes
Why Does Copyright Law Meet Criticism in Society? The Importance of the Public Domain
Full text linkThis article is about a well-stocked public domain and equitable access to copyright-protected content to foster innovation and the creation of new works. It is a common misconception that stronger intellectual property rights promote economic progress, whereas copyright exceptions need to be somewhat conceded for socially motivated reasons. This is a false dichotomy. For the sake of research and development, teaching, and software or hardware interoperability, many companies need access to copyrighted materials. A lack of appropriate access can impede economic expansion
Peculiarities Of Parallel Construction and Chiasmus In English And Uzbek Poetry
Full text linkThis study explores the use of parallel construction and chiasmus in English and Uzbek poetry, examining how these rhetorical devices enhance rhythm, meaning, and aesthetic quality. A comparative analysis highlights distinct cultural influences and linguistic structures that shape their application in each poetic tradition. Findings reveal that while parallelism is commonly used in both traditions for emphasis and symmetry, chiasmus serves unique functions, reflecting contrasting values and linguistic characteristics. These results contribute to a deeper understanding of how culture and language influence poetic for
Improving Financial Literacy among Millennials: A Financial Management Perspective
Full text linkFinancial literacy is a crucial skill for navigating today’s complex economic environment, yet it remains a significant challenge among millennials. As a generation facing increasing financial pressures, understanding key financial principles is essential for making informed decisions and achieving financial well-being. This paper explores the importance of enhancing financial literacy among millennials from a financial management perspective, highlighting the challenges they face and the potential strategies for improvement. By examining existing literature and trends, this study aims to provide insights into the role of financial education and practical steps that can help millennials improve their financial capabilities and make sound financial decisions in an ever-changing world
Measuring and Analyzing the Effect of Innovation on Economic Growth: A Study of Selected Countries for the Period (2020-2022)
Full text linkThis research aims to study and analyze the impact of the Global Innovation Index (GII) 2020 on Gross Domestic Product (GDP) [as an indicator to express Economic Growth] for the year 2022 across a selected sample of countries worldwide using Eviews-13 software. The returns indicate that global innovation has a positive and significant effect on the GDP of the sample comprising 78 countries, categorized into three groups based on income: high-income countries, upper-middle-income countries, and lower-middle-income countries. This aligns with the research hypothesis. The impact varied according to the coefficient of determination (R²), explaining 61% of the changes in GDP due to variations in the GII for high-income countries, 44% for upper-middle-income countries, and 32% for lower-middle-income countries. The research also identified a long-term equilibrium relationship between the GII and GDP based on cointegration results. Additionally, there were no issues of autocorrelation or heteroscedasticity at a significance level of 5% for the model variables across all three groups in the sample. The research recommends several suggestions, the most important being the necessity for middle-income and low-income countries (developing nations) to enhance their innovation index in line with improving the components of this index to boost their GDP. Furthermore, developing countries need to rely on a knowledge-based economy grounded in creativity and innovation in the context of global competition, making human development vital for accommodating and advancing all technological innovations
The Current Consolidated Financial Statements Need to be Revised
Full text linkThis article covers aspects related to increasing investment attractiveness and reporting transparency in the preparation of consolidated financial statements in joint-stock companies based on international standards of financial statements. The organizational and methodological aspects of the preparation of consolidated financial statements in accordance with the international standards of financial statements are revealed, paying attention to the elements of the report on the statement of financial position, profit and loss and cash flow
Management of Working Production Assets As the Basis For the Formation of an Operational Strategy
Full text linkThe production activities of an industrial enterprise are of great importance and are aimed at producing products based on the use of various resources and materials. Working capital management plays an important role in the operating activities of an enterprise, including the purchase of raw materials, supplies, fuel and electricity. Effective management of working capital helps improve production efficiency and ensures positive results. Working capital represents the necessary resources for the continuous operation of an enterprise, and their optimization contributes to the success of the enterprise. Thus, effective management of production activities and working capital is a key factor for the successful operation and development of industrial enterprises.
 
Fintech Strategies During COVID-19 and the Pandemic's Impact on Technologies
Full text linkThe COVID-19 pandemic has catalyzed significant transformations in financial technologies (fintech), amidst enduring economic uncertainties and emerging opportunities. This paper systematically reviews literature on fintech disruptions, response strategies, innovations, and implications during the pandemic. Analysis covers pre-crisis fintech trends, the origins of COVID-19 impacts on the industry, digital accelerations in traditional financial services, regulatory and cybersecurity challenges, customer-centric product developments, and potential future collaborations. Findings reveal fintech is poised for growth due to increased digital adoption, financial inclusion demands, and the promise of blockchain technology. However, sustainability hinges on strategic adaptations. Recommendations include public-private partnerships to expand financial access, ethical implementations of emerging technologies, and ongoing research into niche sectors. As fintech's role in global finance grows, these evidence-based insights inform policy and promote responsible innovation, contributing to a comprehensive understanding and identifying key areas for further investigation
Pedagogical Practice of Mathematics Classroom
Full text linkMathematics is important subject in our daily life. It is compulsory subject in school level in all over the word but nowadays students are indifference toward learning mathematics. Those indifferences related to pedagogical practice in mathematics class room. The main purpose of this study is to explore pedagogical practices in mathematical class room. To meet our objective, we have analyzed books, journals articles, research paper, forum, reports and online documents Pedagogical approach plays the important role for meaningful learning in mathematics teaching in classroom. In our teaching was teacher centered, in accordance with behaviorism pedagogical approach with absolutism philosophy. We recommend mathematics teacher to use constructivism, integrative, inquiry base, reflective and activity base pedagogical practice for self-directed learning in mathematics classroom