تدريسي في الجامعة العراقية - كلية الادارة والاقتصاد - قسم المالية والمصرفية - حاصل على شهادة الماجستير من جامعة النيلين تخصص اقتصاد عام Phone: 07718599714 Address: baghdad
KEYWORDS cash flow economic growth per capita monetary policy instruments sustainable development... more KEYWORDS cash flow economic growth per capita monetary policy instruments sustainable development ABSTRACT In this research, the effect of monetary policy on five sustainable development indicators prepared by the United Nations was investigated in Iraq. For this purpose, variables of interest rate, exchange rate and volume of money in circulation have been used as monetary policy tools and the indicators have been used such as Proportion of the population living below the international poverty line (1.1.1), Proportion of population using safely managed drinking water (6.1.1.), Change in water-use efficiency (6.4.1), Renewable energy (7.2.1), share in the total final energy consumption, and Annual growth rate of real GDP per capita (8.1.1.). For this purpose, five regressions were estimated using the Two Stage Least Squares (2SLS) method. The results show that the exchange rate has a positive effect on indicators of poverty, efficient management of water resources, and economic growth per capita, and a negative effect on access to safe drinking water. Among other monetary policy instruments, only currency in circulationhas a positive effect on poverty reduction, and in other cases it has no significant effect.
NTU journal for Administrative and Human Sciences (JAHS)
The aim of our research is to shed light on electronic money in Iraq and the extent of its dev... more The aim of our research is to shed light on electronic money in Iraq and the extent of its development during the time period in which we conducted our study, which began in the year 2017, where the impact of the salary settlement law for employees in the public and private sectors, which caused an increase in the use of electronic cards used. We tried through our research this definition of money The electronic money, which consisted of (magnetic plastic cards, electronic instruments and others), and then explained the characteristics of that money from the regular money that we used to use, which is paper money or metal alike, in addition to addressing the impact of its use on the banking sector in any country, as well as we explained the advantages of using Electronic money with an explanation of its risks that may lead to some reluctance to use it. As for the second topic, we touched on the reality of electronic money in Iraq, where we worked to clarify the settlement that th...
The aim of our research is to shed light on electronic money in Iraq and the extent of its develo... more The aim of our research is to shed light on electronic money in Iraq and the extent of its development during the time period during which we conducted our study, which began in 2017. In this year, there was the impact of the salary settlement law which caused an increase in the use of electronic cards for employees in the public and private sectors,. The research tries to give definitions to money: namely, the electronic money which consists of magnetic plastic cards, electronic instruments and others. The research then explains the characteristics of that money and differenciates it from the regular money that is accustomed to be used; such as, paper money and metals. In addition, the research addresses the impact of its use on the banking sector in any countries, as well as explains the advantages of using electronic money with an explanation of its risks that may lead to some reluctance to its use. As for the second topic, we dealt with the reality of electronic money in Iraq, where we worked to clarify the settlement that the Central Bank has carried out with the Iraqi government and the percentages of the achievement manifested until the year 2020 beside the spread of money changers. The mechanism in Iraq and the percentage of money transferred by companies (Zain, Asia Hawala, Nass Iraq) adding the market share of each portfolio, and then we dealt with the obstacles to the development of electronic money in Iraq, leading to conclusions and recommendations.
الغرض من هذه الدراسة هو تحديد تأثير مقدار الدين العام على النمو الاقتصادي على المدى الطويل للاقتص... more الغرض من هذه الدراسة هو تحديد تأثير مقدار الدين العام على النمو الاقتصادي على المدى الطويل للاقتصاد العراقي لما للدين العام من أهمية لاعتباره أحد سبل تمويل عجز موازنة الدولة والناتج عن زيادة الانفاق العام والذي يعد أداة مهمة في إطار أي سياسة اقتصادية تهدف الى تحقيق النمو والاستقرار الاقتصادي. استخدمت الدراسة البيانات خلال الأعوام 2008-2020. المنظور الاقتصادي المقبول هو أن تأثير الدين العام على الاقتصاد يعتمد على نسبة حجم الدين إلى الناتج المحلي الإجمالي. في هذه الدراسة، سيتم قياس تأثير حجم الدين العام أيضًا وفقًا لهذه النسبة، مع الإشارة ضمنيًا إلى أنه كلما زاد الدين، زادت نسبة الدين إلى الناتج المحلي الإجمالي. وتجدر الإشارة ان استمرار عجز الموازنات في الاقتصاد العراقي أدى بدوره الى الاستمرار بعملية الاقتراض ان كان هذا الاقتراض داخلي او خارجي مما أدى الى ارتفاع في حجم الدين العام الى مستوى اثر على قدرة الدولة للوفاء بالتزاماتها المالية تجاه الدائنين، وبالتالي يؤثر سلباً على جهود التنمية. وعلية يجب عدم الاستمرار بأتباع ذات السياسة التي سادت خلال الفترة السابقة لكون ذلك سينعكس بأثارة السلبية على النتائج الإيجابية المرجوة من عملية التنمية وتحقيق النمو الاقتصادي التي تكفلها دساتير الدول ومنها الدستور العراقي. كما توصل البحث عن دراسة قوانين الموازنة في العراق والتي ترجمت التوجهات الاقتصادية إلى أنه بالنسبة للمستويات المنخفضة نسبيًا من نسبة الدين إلى الناتج المحلي الإجمالي، يكون هناك تأثير إيجابي على النمو وفقط عند المستويات الأعلى من هذه النسبة يصبح التأثير الهامشي سالبًا.
KEYWORDS cash flow economic growth per capita monetary policy instruments sustainable development... more KEYWORDS cash flow economic growth per capita monetary policy instruments sustainable development ABSTRACT In this research, the effect of monetary policy on five sustainable development indicators prepared by the United Nations was investigated in Iraq. For this purpose, variables of interest rate, exchange rate and volume of money in circulation have been used as monetary policy tools and the indicators have been used such as Proportion of the population living below the international poverty line (1.1.1), Proportion of population using safely managed drinking water (6.1.1.), Change in water-use efficiency (6.4.1), Renewable energy (7.2.1), share in the total final energy consumption, and Annual growth rate of real GDP per capita (8.1.1.). For this purpose, five regressions were estimated using the Two Stage Least Squares (2SLS) method. The results show that the exchange rate has a positive effect on indicators of poverty, efficient management of water resources, and economic growth per capita, and a negative effect on access to safe drinking water. Among other monetary policy instruments, only currency in circulationhas a positive effect on poverty reduction, and in other cases it has no significant effect.
NTU journal for Administrative and Human Sciences (JAHS)
The aim of our research is to shed light on electronic money in Iraq and the extent of its dev... more The aim of our research is to shed light on electronic money in Iraq and the extent of its development during the time period in which we conducted our study, which began in the year 2017, where the impact of the salary settlement law for employees in the public and private sectors, which caused an increase in the use of electronic cards used. We tried through our research this definition of money The electronic money, which consisted of (magnetic plastic cards, electronic instruments and others), and then explained the characteristics of that money from the regular money that we used to use, which is paper money or metal alike, in addition to addressing the impact of its use on the banking sector in any country, as well as we explained the advantages of using Electronic money with an explanation of its risks that may lead to some reluctance to use it. As for the second topic, we touched on the reality of electronic money in Iraq, where we worked to clarify the settlement that th...
The aim of our research is to shed light on electronic money in Iraq and the extent of its develo... more The aim of our research is to shed light on electronic money in Iraq and the extent of its development during the time period during which we conducted our study, which began in 2017. In this year, there was the impact of the salary settlement law which caused an increase in the use of electronic cards for employees in the public and private sectors,. The research tries to give definitions to money: namely, the electronic money which consists of magnetic plastic cards, electronic instruments and others. The research then explains the characteristics of that money and differenciates it from the regular money that is accustomed to be used; such as, paper money and metals. In addition, the research addresses the impact of its use on the banking sector in any countries, as well as explains the advantages of using electronic money with an explanation of its risks that may lead to some reluctance to its use. As for the second topic, we dealt with the reality of electronic money in Iraq, where we worked to clarify the settlement that the Central Bank has carried out with the Iraqi government and the percentages of the achievement manifested until the year 2020 beside the spread of money changers. The mechanism in Iraq and the percentage of money transferred by companies (Zain, Asia Hawala, Nass Iraq) adding the market share of each portfolio, and then we dealt with the obstacles to the development of electronic money in Iraq, leading to conclusions and recommendations.
الغرض من هذه الدراسة هو تحديد تأثير مقدار الدين العام على النمو الاقتصادي على المدى الطويل للاقتص... more الغرض من هذه الدراسة هو تحديد تأثير مقدار الدين العام على النمو الاقتصادي على المدى الطويل للاقتصاد العراقي لما للدين العام من أهمية لاعتباره أحد سبل تمويل عجز موازنة الدولة والناتج عن زيادة الانفاق العام والذي يعد أداة مهمة في إطار أي سياسة اقتصادية تهدف الى تحقيق النمو والاستقرار الاقتصادي. استخدمت الدراسة البيانات خلال الأعوام 2008-2020. المنظور الاقتصادي المقبول هو أن تأثير الدين العام على الاقتصاد يعتمد على نسبة حجم الدين إلى الناتج المحلي الإجمالي. في هذه الدراسة، سيتم قياس تأثير حجم الدين العام أيضًا وفقًا لهذه النسبة، مع الإشارة ضمنيًا إلى أنه كلما زاد الدين، زادت نسبة الدين إلى الناتج المحلي الإجمالي. وتجدر الإشارة ان استمرار عجز الموازنات في الاقتصاد العراقي أدى بدوره الى الاستمرار بعملية الاقتراض ان كان هذا الاقتراض داخلي او خارجي مما أدى الى ارتفاع في حجم الدين العام الى مستوى اثر على قدرة الدولة للوفاء بالتزاماتها المالية تجاه الدائنين، وبالتالي يؤثر سلباً على جهود التنمية. وعلية يجب عدم الاستمرار بأتباع ذات السياسة التي سادت خلال الفترة السابقة لكون ذلك سينعكس بأثارة السلبية على النتائج الإيجابية المرجوة من عملية التنمية وتحقيق النمو الاقتصادي التي تكفلها دساتير الدول ومنها الدستور العراقي. كما توصل البحث عن دراسة قوانين الموازنة في العراق والتي ترجمت التوجهات الاقتصادية إلى أنه بالنسبة للمستويات المنخفضة نسبيًا من نسبة الدين إلى الناتج المحلي الإجمالي، يكون هناك تأثير إيجابي على النمو وفقط عند المستويات الأعلى من هذه النسبة يصبح التأثير الهامشي سالبًا.
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