OJS University of Karbala
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Evaluating intangible market assets within the framework of the orientation towards customer relationship management - an analytical study of the opinions of a sample of managers and customers at Rafidain Bank “Middle Euphrates Branches”
No full textيهدف هذا البحث الى تقييم الموجودات السوقية غير الملموسة بأطار ادارة علاقات الزبون. وتتجسد مشكلة الدراسة الرئيسة بتساؤل أساسي مفاده كيف يستطيع المصرف أن يعزز موجوداته السوقية غير الملموسة من خلال تبني فلسفة ادارة علاقات الزبون. وتتمثل عينة الدراسة المستهدفة بالمديرين في مصرف الرافدين ، فضلاً عن زبائنه، وقد بلغت العينة الخاضعة للتحليل (103) فرد من رؤساء الأقسام والفروع يقابلها (103) زبون من المصرف.ولغرض جمع البيانات فقد أعتمد البحث على الاستبانة كأداة رئيسة تم إعدادها في ضوء أراء وأفكار باحثين ومختصين في مجال المتغيرات الخاصة بالدراسة . وبعد تفريغ الاستمارة من البيانات ، أخضعت للتحليل الإحصائي باستخدام التحليل العاملي, كرونباخ الفا ومعامل الثبات المركب ومعامل الارتباط البسيط وباعتماد البرامج (Spss LISRAL) وفي ضوء مخرجات التحليل الإحصائي ، إستنبط البحث مجموعة من الاستنتاجات كان من أهمها : يمكن للمصرف تعزيز موجوداته السوقية غير الملموسة من خلال اعتماد فلسفة ادارة علاقات الزبون.وبناء على الاستنتاجات التي توصل اليها البحث تم اشتقاق مجموعة من التوصيات ، يمكن لمجتمع البحث الاهتداء بها لتذليل بعض المعوقات الحالية أو المستقبلية، لاسيما وأن الصناعة المصرفية في العراق تشهد تعنات مستمرة فضلا عن تنوع حاجات ورغبات الزبائن. ولعل أهم تلك التوصيات كانت ضرورة تبني إدارة المصارف المبحوثة لفلسفة إدارة علاقات الزبون والعمل على تجسيدها، والاحاطة بمتطلبات تعزيز الموجودات السوقية غير الملموسة من خلال تضمينها لرؤية المصرف ورسالته ومحاولة الدخول في اسواق جديدة.The research aims to assess the current intangible market assets a framework the customer relations management, and embodied the main problem of the study questionably fundamental view how the bank can enhance its market intangible assets by adopting the philosophy of customer relationship management. The study sample target managers in the Rafidain Bank, as well as his clients, has reached the sample under analysis (103) individual heads of departments and branches, offset (103)customer of the bank. For the purpose of data collection research relied on the questionnaire as the main tool has been developed in the light of the views and thoughts of researchers and specialists in the field of study variables. After unloading the form of data, subjected to statistical analysis using factor analysis, Cronbach alpha and reliability coefficient compound, and simple correlation coefficient and adoption programs (Spss, LISRAL) In light of the results of the statisticalanalysis, devised Find a set of conclusions was the most important: bank can enhance its assets market is through the adoption of concrete philosophy of customer relationship management. Based on the conclusions reached by the research, was derived a set of recommendations, the research community can find to overcome some obstacles present or future, especially since the banking industry in Iraq is witnessing continuous shifts as well as the diversity of the needs and desires of customers. Perhaps the most important of these recommendations was the need to adopt management banks surveyed for customer relationship management philosophy and work to make them, and take the requirements of strengthening market intangible assets through incorporating the Bank\\\\\\\\\\\\\\\\'s vision and mission and try to enter into new markets
Lean production requirements and its impact on project success - application research in Central Bureau of Statistics projects
No full textيتناول البحث متغيرين تفاعلا بينهما لبناء إطار عملياتي يخلق صورة واضحة لتوليفها واستعمالها نظرياً وتطبيقياً في بيئة الخدمة العراقية تحديداً . هما ( متطلبات الإنتاج الرشيق ، نجاح المشروع ) .وقد انطلق من مشكلة زيادة عمليات الهدر و الضياع في الكلف و الموارد البشرية والوقت اللازم لإنجاز المشروعات .وقع الاختيار على مشروعات الجهاز المركزي للإحصاء و حددت عينة البحث بـ 123 مشاهدة من فرق إدارة المشروعات .توصل البحث إلى مجموعة من الأستنتاجات أبرزها :-- ينبغي أن ينصب اهتمام إدارة المنظمة على اختيار وتدريب قادة فاعلين وفرق عمل تمتاز بالخبرة و المهارة اللازمة للعمل في المشاريع .- عدم امتلاك العينة المبحوثة التصورات الكاملة و الرؤى الواضحة عن الجوانب التطبيقية وللسلوكية لمتطلبات الإنتاج الرشيق .The research has Two change interaction to gether to build a clear structure to use it in the Iraqi society specially, these change which are related (Lean Production Requirements and Project Success) .The main Problem is increasing waist processes in cost, Human resources and time needed for Projects accomplishmet .The researchers select the projects of Centeral Organization of statistic as a study sample by determining (123) person to answer the quastion .The main Conclusions represent :-- The more important point is to be care on selecting and training effective leaders and experiment skills team-works for projects .- The study sample hadn’t clear vision about the practical and behavioral sides for lean-production requirements
The role of entrepreneurship in achieving competitive advantage - an exploratory study of the opinions of a sample of managers in private Iraqi banks
No full textيهدف البحث الى معرفة دور ريادية الاعمال من خلال العلاقة والتأثير في الميزة التنافسية للمصارف العراقية الخاصة ولغرض تحقيق هدف البحث والاجابة عن تساؤلات المشكلة, تم سحب عينة مكونة من (70) فردا في (10) مصارف عراقية خاصة واعتمدت (الاستبانة كأداة اساسية, المقابلات الشخصية, ملاحظات الباحثان) لجمع البيانات والمعلومات التي تم معالجتها وتحليلها باستعمال عدد من الاساليب الاحصائية من ضمنها معاملات الارتباط و تحليل الانحدار المتعدد وتحليل المسار وقد توصل البحث الى عدة نتائج منها : ان هناك علاقة وتأثير معنوي لأبعاد ريادية الاعمال (دعم الادارة, وحرية العمل, والمكافآت-التعزيز, وتوافر الوقت, وحدود العمل) مجتمعة في تحقيق الميزة التنافسية وان علاقة وتأثير هذه الأبعاد مجتمعة اكثر منها بشكل منفرد.اما اهم التوصيات فكانت ضرورة استفادة ادارات المصارف العراقية الخاصة من ابعاد ريادية الاعمال في احداث المزيد من التغييرات الايجابية في الميزة التنافسية سيما في ميزة السرعة في تقدبم الخدمات وتفعيل ذلك في مجال زيادة الحصة السوقية.The purpose of this search is know the Role of entrepreneurial business in competitive advantage of for Iraqi private banks, through relationship and effect, The present search is applied on (70) subjects selected randomly from (10) Iraqi private banks. Questionnaire , interviews, and the researcher\'s personal observations are all regarded as strategies for data collection. Many statistical procedures are used ,like variance, Multiple Regression. The main findings is :There are asignifinct relationship and effect of the entrepreneurial business dimensions in competitive advantages, The importance recommendations of this study was all relevant to the processes adopted by Iraqi private banks in implementing creative entrepreneurial business dimensions , in creating positive changes in the competitive strategy of time , speed, achievement of customers\' services, and its relevance in increasing more market share
Financial crisis and its implications in the policy of dividends (Case Study)
No full textالغرض من الدراسة هو البحث في الأزمة المالية العالمية وانعكاساتها في سياسات توزيعات الأرباح لعينة من الشركات المدرجة في سوق دبي المالي .انطلقت الدراسة من الأبعاد المعرفية لكل من مفهومي الأزمة المالية ، وسياسات توزيعات الأرباح في مدى اعتماد أو تغير الشركات سياسات توزيعات الأرباح المتبعة قبل حدوث الأزمة المالية، والتي عصفت بالأسواق المالية العالمية، وانتقلت الى الأسواق الأخرى ومنها الأسواق الناشئة، وكذلك الى أسواق دول الخليج العربي ومنها بالخصوص سوق دبي المالي . وذلك لأهمية سياسات توزيعات الأرباح بعدّها من أهم القرارات المالية والتي تعد مصدراً للتمويل الداخلي للشركات وعائدا ايراديا للمساهمين من جانب ، ومن جانب أخر انعكاسها على أسعار الأسهم في الأسواق المالية .وخلصت الدراسة الى مجموعة استنتاجات من أهمها، توافق نتائج التحليل والاختيار للفرضتين الرئيستين الأولى والثانية ، فيما أثبتت الدراسة عدم صحة الفرضية الرئيسة الثالثة . أما أهم التوصيات هو عدم لجوء إدارات الشركات الى احتجاز الأرباح بشكل مفرط بعدّها مصدرا للتمويل في ظل الأزمة المالية، مما يؤثر بشكل سلبي في أسعار الأسهم في الأسواق المالية لتلك الشركاتThe purpose of this study is to search in the international financial crisis and its reflections in the dividends policies for a sample of listed companies in Dubai Financial Market. The study launched from the cognitive dimensions for the two concepts of the financial crisis and the dividends policies to show the dependence or the change of the followed policies of dividend of the companies before the occurrence of the financial crisis which stormed the international financial markets and shifted to the other markets such as the evolving markets and to the markets of Arab Gulf countries, especially Dubai Financial Market, because of the importance of dividend policies, since they are the most important financial decisions as a source of internal financing for the firms and return on investment of the shareholders from one side, and their reflections on the prices of the shares in the financial markets from the other side. The study summarized a set of conclusions, which was the most important one is the consistence of the analysis findings and the test of the main first and second hypotheses, whereas the study confirmed the mistakenness of the third hypothesis, the most important recommendation is that the companies’ management should not resort to reserve the profits excessively as a source of financing in the light of the financial crisis which would affect negatively the prices of shares of such companies in the financial markets
Study of physiochemical properties and sensory evaluation of jam produced from different sources of plants
No full textThe current study was undertaken to investigate the quality of pumpkin pulp Cucurbita moschata and dry roselle Hibiscus sabdariffa jam formulations by using three different types of pectin (high methoxyl pectin, low methoxyl pectin, and commercial pectin), and stored at room temperature for 90 days. In this study, FTIR was used to identify the functional groups of pectins. Consequently, physicochemical properties were analyzed using key parameters such as total soluble solids (TSS), pH, reducing sugar, total polyphenol (TPP), total carotene (TC), and total anthocyanin, as well as sensory evaluation were analyzed. The results showed that the range of TSS% was between 18.73-63.30% and increased after 90 days. Moreover, the range of total carotene in pumpkin, total anthocyanin in roselle, and total polyphenol in both pumpkin and roselle jams was observed as (13.20-16.93 mg/100g), (89.23-93.24 mg/100g), and (38.32-608.41 mg/100g), respectively. As well as all compounds significantly decreased at the end of storage. Finally, the sensory evaluation, such as flavor, mouthfeel, taste an appearance, color, and overall acceptability of different jam formulations, was unstable during the storage period, and jam formulations with a high amount of sugar were more acceptable compared to those formulations with stevia
Effect of plant growth regulators in micropropagation of (Mentha piperita L.) plant In vitro
No full textThis study was conducted on one of the most important medicinal plants with significant pharmaceutical value, namely Mentha piperita. The aim was to propagate peppermint using tissue culture techniques and combinations of plant growth regulators to obtain pathogen-free plants in large numbers. The study was carried out in the Tissue Culture Laboratory, College of Agriculture, University of Karbala, during the fall season of 2024, and included several experiments. The first experiment investigated the effect of NaOCl at different concentrations and exposure times on sterilizing seeds used as explants. The second experiment evaluated different concentrations of growth regulators at the initiation stage. The third experiment examined two types of cytokinins at different concentrations during the multiplication stage. The sterilization experiment showed that treatment with 2% NaOCl for 15 minutes achieved the lowest contamination rate (0%) without affecting explant viability. In the second experiment, BA at 1 mg L⁻¹ resulted in the highest response rate (82.50%), while NAA at 0.1 mg L⁻¹ gave the best response among auxin treatments (66.66%). In the third experiment, BA at 2 mg L⁻¹ was superior in producing the highest shoot number, length, and fresh and dry weights of the vegetative growth, which were 34.02 branches plant⁻¹, 9.06 cm, 13.65 mg, and 3.85 mg, respectively. Regarding the effect of Kin, the concentration of 1 mg L⁻¹ gave the highest values for the number and length of shoots and their fresh and dry weights, which were 25.70 branches plant⁻¹, 7.72 cm, 13.19 mg, and 3.15 mg, respectively
Effect of cultivars, potassium sulphate and tocopherol on the growth of shoots of maize (Zea mays L.)
No full textThis study was conducted in the Al-Nabhaniyah area 10 km east of Karbala city during the spring agricultural season 2024 to investigate the effect of foliar spraying with potassium sulfate and tocopherol on vegetative growth indicators. The experiment was implemented using a completely randomized design (CRD) as a factorial experiment with three factors: two cultivars of maize (Sorour and 5018), four concentrations of potassium sulfate (0, 25, 50, and 75 mg L-1), and four concentrations of tocopherol (0, 50, 100, and 150 mL-1), with three replicates. The results showed that foliar fertilization with potassium sulfate at a concentration of 50 mg L-1 and tocopherol at a concentration of 100 mg L-1 significantly affected all studied traits. The two-way interaction between the study factors was significant except for relative and absolute growth. The interaction coefficients between the cultivars and potassium sulfate concentrations 50 mg L-1 and between the cultivars and tocopherol concentrations (100 mg L-1) gave the highest rate. The two-way interaction between potassium sulfate and tocopherol was also significant under concentrations (50, 100 mg L-1) of potassium sulfate and tocopherol, respectively. The results also showed that the three-way interaction between the study factors was significant for all studied traits except for the average number of leaves (leaf/plant-1) and the relative growth rate. Also, there was a significant interaction between cultivars, Potassium sulfate 50 mg L-1 and tocopherol 100 mg L-1 for other traits
Indicators of some growth and productivity traits of some wheat va-rieties with different plant densities under the influence of residues of Sorghum halepense L. and Xanthium strumarium L.
No full textA pilot study was conducted during the winter season (2023–2024) to investigate the effects of residual weeds (Sorghum halepense L.) and weeds (Xanthium strumarium L.) on some growth and yield characteristics of wheat cultivars and different plant density traits in Diyala Governorate, Al-Muqdadiyah District, within a June-spreading zone. The experiment was conducted in a randomized complete block design (R.C.B.D) with three distinct replicates, 3 independent sub-groups, using three wheat crop varieties (Aba99, Sham6, Al-Fayyadh), preferring the effect of the residues of the two types of weeds, the first (weed (Sorghum halepense L.) uses C4 herbaceous plants) used (weed (Xanthium strumarium L.) exploits C3 species) and the third factor with the quantity of seeds (40 kg.dun-1, 50 kg.dun-1). The results showed no significant differences between the varieties in the number of seedlings, number of spikes, and harvest index, while the Sham 6 variety was early and gave the lowest number of days to 50% spike bunch, reaching (97.08) days, while the Abaa 99 variety recorded the highest number of days, reaching (101.63) days. The comparison treatment without adding weed residues was superior and recorded the highest average for the total yield trait, which amounted to (4925.0 kg.ha-1), Because of its superiority in the number of total branches (372.83 branch. m2) and the number of spikes (337.39 spikes. m2). It also excelled in the harvest index trait, and the treatment of adding C3 weed residues recorded the highest average for the number of days until 50% of the ear cluster, which amounted to (100.17) days. Meanwhile, the seed quantity of 50 kg.dun-1 was superior in the number of days to 50% ear development, the total number of seedlings, and the number of earlings, and recorded an average of (100.14 days, 349.50 seedlings .m2, 312.17 seedlings. m2) respectively, and there were no significant differences between the seed quantity in the total yield characteristic.  
Association between Non-alcoholic Fatty Liver Disease and Selected Physiological and Biochemical Factors among Diabetic Individuals
No full textBackground: The primary function of the liver is to keep glucose and cholesterol levels at a normal level. Non-alcoholic fatty liver disease (NAFLD) is a chronic disorder that affects the liver and is characterized by insulin resistance, type 2 diabetes, and the accumulation of fat in the liver. It is possible for this to result in inflammation and scarring in the liver, which can then progress to non-alcoholic steatohepatitis (NASH) and other types of liver disease. That cannot be rectified in any way. cirrhosis of the liver.Objective: The primary aim of the current study was to identify clinically applicable biomarkers for diabetes and fatty liver disease.Materials and Methods:seventy women and men with nonalcoholic fatty liver disease and type 2 diabetes were among the 108 participants whose blood samples were taken for the research. The participants\u27 ages ranged from 35 to 77. In addition, thirty-eight blood samples were obtained from individuals in good health.Result: ALT and asprosin have a slightly negative relationship, but the connection is not statistically significant. In contrast, adiponectin and liver enzymes demonstrate a modest association. Also, with p values less than 0.05, a significant association was found between Asprosin and LDL, Insulin, and HOMA-IR. Cholesterol, TG, VLDL, HDL, and Asprosin all had modest to moderate positive associations (r between 0.3 and 0.46) with one another. Only LDL has demonstrated a negative relationship with asprosin.Conclusion:Type two diabetes is closely associated with the development of non-alcoholic fatty liver disease, primarily due to the underlying mechanism of insulin resistanceby facilitating the liver\u27s accumulation of free fatty acids.Adiponectin and asprosin can serve as non-invasive markers for metabolic fatty liver disease
Study of The Effect of Combination of Some Medicinal Plant Extract Against Candida albicans Isolated From Clinical Sourse
No full textBackground: Candida albicans are opportunistic pathogens that affect mucosal, dermal, urogenital, and gastrointestinal areas, necessitating the search for effective treatments against them. Recently, plant extracts such as Garlic (Allium sativum), Ginger (Z. officinale), myrrh (Commiphora myrrha), and propolis have been used to treat infections caused by these yeasts. Methods: The Candida albicans were isolated and identified from their different clinical sources, alcoholic extracts were prepared at different concentrations (10, 25, 50, 75, 100) mg ml-1to study of inhibitory effect of alcoholic extracts of Garlic, Ginger, Myrrh and Propolis each alone and mixed with Ginger against C. albicans. Results: The results showed all alcoholic extracts had variable inhibitory effect against yeast growth, with the concentration of 100 mg ml-1 recording the highest inhibitory effect, while the alcoholic extract of propolis at a concentration of 50 mg ml-1 was the most effective. It was also shown, by study of the combination (mixing) between alcoholic Ginger extract and other extracts, that there different degrees of inhibition of yeast growth Conclusions: The study revealed the importance of plant extracts\u27 effect when mixed to control resistant C. albicans that threaten human health