Acceptability of Banking Operations in Iraqi Kurdistan

The research is descriptive in nature and have taken two objectives are to know the variables involved in the banking operation in Kurdistan and to know the people perception towards banking operation. Eighteen variables taken for study and a sample of 255 respondents belonging to Kurdistan contributed their opinion. To check the acceptability for the variables T-Test is performed and further to know the variance in opinion of respondents One Way ANOVA is performed. The analysis is based on the output of SPSS 20 and outputs are presented in tables as research findings. The analysis further explains that the banking operation needs to get strong support from government and the Islamic society for proactive execution and in its absence people are putting their money in the market without safety or to other invests. The Islamic religious beliefs are the psychological boundary for the expansion of banking operation in Kurdistan. The analysis of the data collected through the structured questionnaire reaching to all the objectives. The analysis further explains that the banking operation in Kurdistan is not very robust and can said that “the only way a bank would lend you money when you prove that you really don’t need it”, so people can put their money in the bank with safety. Keywords: Bank, Government, Kurdistan, Islamic, Lending, Acceptability

Public Awareness of Financial Market in Iraqi Kurdistan

The research is descriptive in nature and have taken three objectives to measure the awareness about stock exchange operations are to find the solution for the problem as to find the variables affect the investor’s opinion to invest in ESX, to measure the level of participation of investors in ESX operations and to know the government and company’s contribution in the awareness creation in society, to encourage investors for the ESX investment. Thirteen variables taken for study and a sample of 171respondents belonging to Kurdistan. To check the acceptability for the variables T-Test is performed and further to know the variance in opinion of respondents One Way ANOVA is performed. The analysis is based on the output of SPSS 20 and outputs are presented in tables as research findings. The analysis further explains that the stock exchange must have assurance, so people can put their money in the market with safety, or to invest in developing sophisticated stock investment system ensure more transparency and data clarity needs to increase the publicity and advertisement of listing companies. All together it is observed that there is a long way to go for stock market operations in Kurdistan region but need to get a powerful startup with a very dedicated, investment awareness campaign. The best model of development for Erbil Stock Exchange is based on the active participation of stock exchange, government and companies inviting investors and creating confidence for secured investment. Keywords: Investment, Stock, Erbil Stock Exchange, Awareness, Kurdistan, Public, Investor

Agricultural Sector Financing and Challenges for Bankers

The paper is a part of extensive research in the area of vegetable supply chain and aims at the constraints faced by bankers in credit of agricultural loans. The core objective behind this is to know the credit distribution among the different players of agricultural sector and to determine the effect of categories of loan applicants upon the factors responsible for the approval of agricultural loans. The study is descriptive in nature and is carried out with the logic of the support of the Reserve Bank of India (RBI) to agriculture driven Indian economy based on banker’s opinion. As per the study it is found that banks need to make the process easier for farmers as well need to develop a communication link to always make them update with the information about the developments taking place with support of banks. Keywords: Bank, Agriculture, Loan, Credit, Bankers, Demand. JEL classification: B21, C25, C35, C42, G21, G23, Q14

Predicting the Market Potential Using Time Series Analysis

The aim of this analysis is to forecast a mini-market sales volume for the period of twelve months starting August 2015 to August 2016. The study is based on the monthly sales in Iraqi Dinar for a private local mini-market for the month of April 2014 to July 2015. As revealed on the graph and of course if the stagnant economic condition continues, the trend of future sales is down-warding. Based on time series analysis, the business may continue to operate and generate small revenues until August 2016. However, due to low sales volume, low profit margin and operating expenses, the revenues may not be adequate enough to produce positive net income and the business may not be able to operate afterward. The principal question rose from this is the forecasting sales in the region will be difficult where the business cycle so dynamic and revolutionary due to systematic risks and unforeseeable future