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النظام الهيدرولوجي واثره في تكوين الاشكال الارضية لنهر الفرات بين مدينتي الكفل والشنافية واستثماراته : دراسة هيدروجيومورفولوجية == Hydrological System And Its Effect on The Formation of Euphrates Landscapes Between Kifil And Shanafiya Towns And Its Investments : Hydro - Geomorphological Study

Author name: محمد حسين محيسن المنصوري

Supervisor name: كفاح صالح الاسدي

General topic: Geography

Specific topic: Geography

Degree: Doctorate

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

خصائص المناخ السياحي في مدينتي النجف وكربلاء == Features of The Tourist Climate In The Two Cities Najaf And Karbala

Author name: قاسم صويح حليوت العبودي

Supervisor name: عبد الحسن مدفون ابو رحيل

General topic: Geography

Specific topic: Geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

التحليل المكاني للنوع الاجتماعي في محافظة النجف

Author name: علي ناجي زغير الميالي

Supervisor name: عبد علي حسن الخفاف

General topic: Geography

Specific topic: Geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

الاهميــة السياسية لمنطقة الجزيرة من العراق : دراسة في الجغرافيا السياسية == The Political Importance of The Al - Jazeera Region of Iraq

Author name: شذى حسين عمران

Supervisor name: سعدون شلال ظاهر

General topic: Geography

Specific topic: Geopolitics

Degree: Master

University: University of Kufa - College Of Education For Girls - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

الخدمات الهاتفية الحكومية السلكية واللاسلكية في مدينة النجف الاشرف : دراسة في غرافية الاتصالات == Government Wired & Wireless Phone Services In Al - Najaf Holy City A Study In Geographic Communications

Author name: سعد جواد كاظم عبد النداوي

Supervisor name: وهاب فهد يوسف الياسري | حسين موسى حسين الشمرتي

General topic: Geography

Specific topic: Geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

هيدروجيومورفية شط الديوانية : دراسة في الجغرافية الطبيعية == Shat Al - Diwaniyyah Hydro - Geomorphology Study In Physical Geography

Author name: زينب صالح جابر واجد الزيادي

Supervisor name: كفاح صالح الاسدي

General topic: Geography

Specific topic: Natural Geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

التنمية المستدامة للموارد المائية السطحية في محافظة النجف الاشرف : دراسة في التنمية الاقليمية == Sustainable Development of The Surface Water Resources In Al - Najaf Governorate A Study In Regional Development

Author name: سيناء عبد طه ضيف العذاري

Supervisor name: عبد الصاحب ناجي رشيد البغدادي

General topic: Geography

Specific topic: Natural Geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

التغيرات المناخية في العالم واستخدامات الطاقة المتجددة للتقليل من تاثيراتها == Climatic Changes In The World And The Use of Renewable Energy To Limit Its Effects

Author name: زهراء عدنان احمد العطار

Supervisor name: علي صاحب طالب الموسوي

General topic: Geography

Specific topic: Geography

Degree: Master

University: University of Kufa - College Of Education For Girls - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

الملائمة المكانية للخدمات المجتمعية في مدينة الديوانية وتوقعاتها المستقبلية == The Spatial Appropriateness of Societal Services In Al - Diwaniya City And Its Future Expectations

Author name: رافد موسى عبد حسون العامري

Supervisor name: فؤاد عبد الله محمد الجبوري

General topic: Geography

Specific topic: Geography of Cities

Degree: Doctorate

University: University of Kufa - College Of Education For Girls - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

التمثيل الكارتوغرافي لاستعمالات الارض في مدينة النجف الاشرف : دراسة مقارنة بين التقنيات التقليدية ونظم المعلومات الجغرافية == Cartographical Representation of Use of Land In Al - Najaf Al - Ashraf : A Comparative Study Between The Traditional Techniques And G.I.S

Author name: حيدر محمد راضي العبرة

Supervisor name: شمخي فيصل ياسر الاسدي

General topic: Geography

Specific topic: Maps and GIS

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

تحليل مكاني لمؤشرات التنمية البشرية في محافظة القادسية == Spatial Analysis of Human Development Indicators In Al - Qadisiya Governorate

Author name: حسون عبود دبعون الجبوري

Supervisor name: عبد علي حسن الخفاف

General topic: Geography

Specific topic: Geography

Degree: Doctorate

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

تحليل جغرافي للنشاط الزراعي في ناحية الكفل == A Geographical Analysis of The Agricultural Activity In Al - Kifil Commune

Author name: اميرة حبيب شنشول الجنابي

Supervisor name: محمود بدر علي السميع

General topic: Geography

Specific topic: Geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

دور العمليات الجيمورفية في تشكيل المظهر الارضي لقضاء المناذرة وعلاقتها بالنشاط البشري == Impact Djiomorvih Processes on The Formation of Ground Appearance Spend Manathira And Its Relationship To Human Activity

Author name: اسيل سامي مجيد

Supervisor name: عايد جاسم حسين الزاملي

General topic: Geography

Specific topic: Natural Geography

Degree: Master

University: University of Kufa - College Of Education For Girls - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

التباين المكاني للتلوث الضوضائي في مدينة النجف الاشرف == Spatial Disparity of Noisy Pollution In Holy Najaf

Author name: صفاء مجيد عبد الصاحب المظفر

Supervisor name: كفاح صالح الاسدي

General topic: Geography

Specific topic: Geography

Degree: Doctorate

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

الظواهر الغبارية واثرها في صحة الانسان في محافظة النجف == The Dusty Phenomena And Their Effect on Human Health In Al - Najaf Governorate

Author name: محمد محمود محمد زنكنة

Supervisor name: عبد الحسن مدفون ابو رحيل

General topic: Geography

Specific topic: Climatic geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

الخصائص المناخية وعلاقتها بالاشكال الارضية في محافظة كربلاء == Climatic Characteristics And Their Relation With Land Forms In Karbalaa

Author name: نورس علي حسين نعمة السلطاني

Supervisor name: عبد الحسن مدفون ابو رحيل

General topic: Geography

Specific topic: Geography

Degree: Master

University: University of Kufa - College Of Literature - Department Of Geography

Language: Arabic

University location: Najaf

First pages:

الدولة والتنمية في الوطن العربي محاولة لاستباق التغير العالمي في ظل منهجية التحليل المستقبلي == A State And Development In The Arab Homeland An Attempt To Forestall The Global Change By Prospective Analysis Methodology

Author name: حسن لطيف كاظم الزبيدي

Supervisor name: مازن عيسى الشيخ راضي

General topic: Administration and Economics

Specific topic: Economy

Degree: Doctorate

University: University of Kufa - Faculty Of Administration And Economics - Department Of Economics

Language: Arabic

University location: Najaf

First pages:

Abstract: The state in the Arab homeland is suffering problematics in its concept came from deformed birth during the colonialism period. This deformation birth make the state characterize with many features which make it unable to do its role efficiency. It is : unstable, authoritarian, central, overdevelopment, renter, dependence ,undemocratic, and relative autonomic state. So that, it is difficult to accept that its role to achieve development will be positive in the future based on our view toward the past role and what it done in the last thirty years ago. It is difficult on this state to deal with many problems which came from global change and what this change lead to reduce the economic role of the state in over the world. The international system today witnessed attempts to reform the state and the Arab mast try to dealing with this change.There are many variables determined the future of the states in the Arab homeland : population, natural resource (water and oil), globalization, information and telecommunications revolutions, national and international polices and the relationship with USA. All these variables will play role in the future formation. This study tries to examine how the regional state will deal with these variables in the future, how these variables will effect on it economic role and how it will successes or fail in solving the problems which facing it in the future.This study focus on the view of future by built three scenarios prospective the future during the period (2003 - 2030). The main scenario known in prospective studies as diractal scenario put to display all the affections which accumulate till the middle of prospective period. The second scenario will be as branch of the main scenario and it will also as diractal scenario. So that, it will display the appearances of crisis which increased during the main scenario to transfer the second scenario. The last scenario known as reformational scenario which display reformation program as the researcher imaging, on the based governance concept which stand on a compound relation among state, privet sector and civil society

العولمة المالية وانعكاساتها على النمو الاقتصادي في دول مجلس التعاون الخليجي : دراسة تحليلية للمدة 1985 - 2007 == The Financial Globalization And Its Effect On The Economic Growth In The States of The Gulf Cooperation Council "An Analytic Study For 1985 - 2007"

Author name: حسن كريم حمزة

Supervisor name: كامل علاوي كاظم الفتلاوي

General topic: Administration and Economics

Specific topic: Economy

Degree: Doctorate

University: University of Kufa - Faculty Of Administration And Economics - Department Of Economics

Language: Arabic

University location: Najaf

First pages:

Abstract: The development that world witnessed during the last quarter of twentieth century And the rise of what is know as the symbolic economy where the monetary Ca0pital is the base of profit via specialization in the Global. Markets that drops place and summarized time due to the information revolution resulted in developing this economy to exceed the real sect which involved new instruments and machinery to the Globalization with its roots that belonged to the fifteenth century comes to make basic changes in the international system through out the machineries that Capitalism used to produce its instrument to from a comprehensive Global system the elements of which do not restricted to states so as to internationalize production rather than transferring the commodities, services and capitals That affects the direct foreign investments which depends on the multi. nation. laities companies, in addition to internationalities capitals due to the communication revolution that the trade types are connected to capital movement. All that will lead to increase the economic growth, increase work opportunities and change the in come resources, so that most countries , especially ambiguous relation among the financial globalization elements, especially the direct foreign investment and the economical growth, the study tries to define the causative relation and its direction between these two elements.The study problem : - the study problem represents in the efforts that Gulf cooperation council states make to improve the economical environment by making laws and facilities, reforming the financial sector and the economical openness , yet these states still suffer of the economical problems that make than unable to comprehends the financial supplement tarries or to attract the direct foreign investments because the money markets are small and unable to compete with the big global markets.study Hypothesis : - The study starts with hay prosthesis says that the financial globalization , its machineries, demands and elements , especially the direct foreign investment have positive effects on the economical growth of Gulf cooperation council states, and the economical growth will be reason to attract the direct foreign investment. The study plan : - To prove the hypothec sis that is mentioned the developing acnes, worked hard to create suitable economical environment and develop the financial sector which is considered as one of the main factors in the economical development process. World become field of competition that attracts the financial globalization via creating the investment environment that can attracts more investment by the involved acts and ficilities. Because of the impotence of the financial globalization to creat the economical growth , the states of Gulf cooperation council put the development al aim on the top of the economical aims for which the direct and in direct foreign investments are conducted as machineries of the economical growth which provides the suitable conditions and here the impotence of the study lies.The study Aims : - The study tries to achieve many aims starting the financial Globalization and its elements as well as the economical growth ,as theoretical study, then analysing the Globalization elements and the in and out capitals flow of Gulf cooperation council states to have performance evaluation of the bank sector and money market in the studied countries. finally, because of the previously ,the study is divided into three chapters followed by the results and recommend ations. The first chapter studied the concepts of the financial Globalization and the economical Growth. Itincludeds three topics. Thef first one studies the financial Globalizationf as a concept. The second studies the main aspects of the financial Globalization, and the third one studies the relation between the financial Globalization elements and the economical growth , as well as studying the possible economical effects of the FDI on some of the total economy variables.. The second Chapter is devoted to study the productive and financial from in Gulf cooperation council states withen three topics. The first one studies the the economical growth nature and the participations of the economical sectors, especially ail and transformational industry sectors, in forming it. The second one studies the development that the Gulf bank sectors witnessed and how did that sectors affected by the current financial srisis. The thard one studies the Gulf money market and analysis its basic indicators and the effects of the financial crisis on the Gulf mony market. The third chapter includes two topics , the first one deals with the direct foreign investment in the cooperation council states , its legislative factors and the economical policies , as well as the development of the FDI. the second topics based on using Granger causative sample with an introduction of who to use the analogical treatment of the sample , then to describe the typical sample by testing the causative relation between FDI and GDP for the period (1985 - 2007).

الثقافة التنظيمية واثرها في بناء ادارة الجودة الشاملة : دراسة تحليلية لاراء عينة من العاملين في الشركة العامة للسمنت الجنوبية معمل سمنت الكوفة الجديد == The Role of Organization Culture In The Implementation of Total Quality Management An Analytic Study For Sample Opinions From Workers In Southern Cement State Company Al - Kufa New Plant of Cement

Author name: باسمة محمد باني الزرفي

Supervisor name: رضا صاحب ابو حمد | يوسف حجيم الطائي

General topic: Administration and Economics

Specific topic: Business Administration

Degree: Master

University: University of Kufa - Faculty Of Administration And Economics - Department Of Business Administration

Language: Arabic

University location: Najaf

First pages:

Abstract: Organization Culture has great importance for service and productive organizations. This importance results from the fact that it is a prominence factor in affecting the achievement of high levels of production in different competitive environments since the most prominent thing that can be achieved by these organizations is the decisive role of the organization culture of members of the organization in supporting the process of production of these organization by the participation of all the members in achieving high quality. This process needs new ideas and attitudes this can be applied to spreading the culture of high quality by using a suggested model to the organization being examined. This model supports the application of the culture of high quality in its essential steps. It is worth mentioning that this subject has not been given much attention by the service and manufacturing organizations concerning its application. This situation has given us the impetus to suggest strategic ideas which will help in establishing behavior measure relevant to labour factor in addition to the possibility of reaching the nature of coherence of this rank and its effect. This will lead to the achievement of ways to establish future plan on the grounds of indication the present and future ends or objectives or goods. On the grounds of the facts mentioned above comes the need to the present study to show the nature of the relation between the culture of organization and the requirements of total quality management(TQM) and also measuring of culture on quality level in order to provide an objective opportunity for the manufacturing organizations especially the Iraqi ones in order to raise the level of their quality its production. The present study has reached a number of conclusions : There is an essential and strategic role which can be played by the organization culture through the implementation Total Quality Management since it is clear from the hypothesis of this study that there is a strong effect. There is also a clear and active role played by the organization culture in the essential demands for Total Quality Management. The relations in this side have always been positive. This proves the essential fact that the demands of high quality are completing one another to result in the improvement of quality and condensing the efforts of the workers and encouraging them to find new ideas for producing high quality products. The study has also reached the following suggestions : It is necessary that the managements should pay a continuous attention to the application of the of the requirements of the Total Quality Management. This top management should have faith in these requirements and the importance of spreading organization culture among the top managements members in the factory. The workers at different levels and specializations should join specialized training courses in the Total Quality Management to improve their skills. The canals of communication should be increased to give the workers an opportunity to send their suggestions and complaints to the top managements.

دور تكاليف الجودة في تحقيق الميزة التنافسية بمنظور المحاسبة الادارية الاستراتيجية : دراسة تحليلية لعينة من المنظمات الصناعية العراقية == Quality Cost Role In Achieving The Competitive Advantage From The Strategic Management Accounting Perspective Analytic Study For A Sample of The Iraqi Industrial Organization

Author name: انعام محسن غدير

Supervisor name: مؤيد محمد علي فضل الفضل

General topic: Administration and Economics

Specific topic: Accounting

Degree: Master

University: University of Kufa - Faculty Of Administration And Economics - Department Of Accounting

Language: Arabic

University location: Najaf

First pages:

Abstract: اظهرت مراجعة الباحثة للادبيات ان هناك تحديات فكرية وتطبيقية عديدة بشان المضامين الاستراتيجية لمحاسبة تكاليف الجودة ودورها في تدعيم تنافسية المنظمات وتحقيق الميزة التنافسية. ومن هنا فان هذه الدراسة هي محاولة لاغناء الجدليات المعرفية حول الدور الاستراتيجي | Studying the writes of this subject that there are intellectual and applied challenges upon the strategic contains of quality cost accounting and its role in supporting the organization competition and achieving the competitive advantage, hence this study is a try to enrich the knowledge arguments upon the strategic role of the quality cost accounting in revealing and defining the continuous developing opportunities of all the organization aspects and, as a result, supporting these organization competition in building a strategic position to secure the market leadership and overcome other competitors. The main basis of formulating and developing the study problem represented by two aspects : - the intellectual and theoretical integration between quality cost accounting and the competitive advantage does not reach the level of a theory, the subject is still under the theoretical and conceptual forming due to the researchers `opinions contradiction upon the relation between the quality cost accounting and the competitive ability of the organizations, moreover the quality cost accounting is one of the strategic administrative accounting tools which needs more testing especially in its relation with the organization competitive advantage, the second aspect of the study problem is represented by the results of the researcher field observance, which had been conducted in more than six Iraqi industrial organizations, which indicated the real challenges that face these organizations in treating and applying that tool to support its competitive advantage and ability in defining the quality continuous development, one of these challenges is that most of the quality cost is a hypothetic cost has no effect in the near perspective which made dealing with it within the traditional accounting perspective is impossible. The study problem is represented by many questions, the most distinguished one is (what are the main significances of the quality cost accounting to improve the industrial organizations competitive ability, and how do these organizations look at the strategic role that the quality cost accounting might play to achieve the competitive advantage with all its aspects?). The researcher developed a hypothetic example to represent the quality cost accounting significance to support the statistical studied organizations competitive advantage within the frame of the correlation relations and the mutual probable effects of the quality cost accounting and the competitive advantage. These relations are represented two main theories of correlation and affecting. The researcher developed a pentad measurement tool according to (Likert) measurement which includes five degrees (agreed completely=5,do not agreed completely=1), this tool is subjected to truthiness and verity tests by using advanced statistical methods such as the factorial analysis basing on (Liserel Ver.7 & SPSS Ver. 15). The study hypotheses and example are tested in seven industrial organizations (the New Cement Plant of Kufa, the old Cement Plant of Al - Najaf Al - Ashraf, Men Clothes Factory in Al - Najaf Al - Ashraf, The Plastic Industry Al - Najaf Al - Ashraf, The Public Company of Leathering Industry, The Public Company of Car manufacturing in Al - Eskanderiyah, The Public Company of Plastic Industry), the study sample includes (176 )reopeners, selected by the deliberate sample method, from the study society to include the higher administration, the heads of the engineering, accounting and the quality control departments which had the direct relation with the study variables. The study concludes a number of conclusions in the theoretical and applying fields, the most important is that : - the quality cost accounting could be depended as a main indicator of the understudy factories ability to achieve the competitive advantage because it is the main resource to find out and invest the continuous developing opportunities in spite of the regression of the interest and execution of the quality cost accounting techniques in the studied factories. The study puts forward a number of recommendations : - the successful execution of the quality cost accounting techniques in the studied factories required re - constricting their traditional accounting systems to achieve the cooperation among the departments of engineering, accounting and the quality control to secure the effective flow and the real share of knowledge and information relating the quality cost and its activities, its visible and invisible results that will have important effects on the performance of the accounting system in these factories especially if they came with adopting the strategic perspective of the strategic administrative accounting which means investing the quality cost accounting not only as a tool of recording and documenting but also as an important tool to define the opportunities of creation and the competitive advantage.

اثر ادارة معرفة الزبون في تحقيق التفوق التنافسي : دراسة مقارنة بين عينة من المصارف العراقية

Author name: اميرة هاتف حداوي الجنابي

Supervisor name: علاء فرحان طالب الدعمي

General topic: Administration and Economics

Specific topic: Business Administration

Degree: Master

University: University of Kufa - Faculty Of Administration And Economics - Department Of Business Administration

Language: Arabic

University location: Najaf

First pages:

دراسة تحليلية لاثر الاستثمار الاجنبي المباشر على اقتصاديات البلدان العربية (مصر والاردن) حالـــة دراســية للمدة من 1991 - 2005

Author name: اسامة علي كاظم حسين السعيدي

Supervisor name: عدنان داود محمد العذاري

General topic: Administration and Economics

Specific topic: Economy

Degree: Master

University: University of Kufa - Faculty Of Administration And Economics - Department Of Economics

Language: Arabic

University location: Najaf

First pages:

دور بحوث التسويق في نشر وظيفة الجودة لتحقيق رضا المستهلك : دراسة تطبيقية في الشركة العامة للصناعات النسيجية - حلة == The Role of Research Marketing In Quality Function Deployment To Achievement The Customer Satisfaction : Applied Study In State Company For Textile In Industries Al - Hilla

Author name: ازهار عزيز جاسم العبيدي

Supervisor name: يوسف حجيم سلطان الطائي

General topic: Administration and Economics

Specific topic: Business Administration

Degree: Master

University: University of Kufa - Faculty Of Administration And Economics - Department Of Business Administration

Language: Arabic

University location: Najaf

First pages:

Abstract: To Satisfy the customer is regarded the basic ends and the strategic aim that the business organizations tries to gain and to get this essential aim, the organizations used set of devises and methods, one of which is the Markting researches. By the organizations recognized the customers’ needs and whishes to meet what he expects through tran Lating these needs and wishes into features and characteristics available within the production or service. The translating of these features and characteristics comes through (بيت الجودة) or bringing out the fine quality job.To clarify the of markting research in bringing out the fine quality job to satisfy the customer this study finds out the answers for sercal questions like : - Do the markting researchs hare arole in satisfing the customer? - Do the markting researchs hare a role in accomplishing the dimensions of fine quality? - Does the bringing out of fine quality job need to use the markting reesearch? - Does the bringing out of fine quality have a role in satisfying the costumer?The study includes also a number of practical and theoretical chapters and sectionsThe first chapter deals with the importance, problem, goal, hypothesis and the examples of the study as well as the prevace studies.The second chapter is deviated to the system of markting information and the markting research.The fine quality and its dimensions and the most important way’s to improve quality that are embodied in bringing out the fine quality job are set in the third chapter.The fourth chapter studies how to satisfy the customer and to measure this satisfaction.The practical side has been dealt with in the fifth chapter where we mention the General Company for the textile fadustries in Hilla understudy and display and analysis the data and interpret the results concerning the question re from and display and analysis the data and interpret the results of bringing out the fine quality job and the sequence of production operations and the series of (بيت الجودة)Finally the study gets some conclusions and recommendations.

استراتيجيات الاندماج والشركة القابضة وتداخلاتها في القيمة الحقيقية للسهم : دراسة اختبارية على عينة من القطاع المصرفي العراقي الخاص == Merger of Holding Company Strategies & Interloping In Intrinsic Value of The Stock TEST Study of A Sample of Iraqi Private Bank Sector

Author name: ارشد عبد الامير جاسم الشمري

Supervisor name: جليل شيعان ضمد البيضاني

General topic: Administration and Economics

Specific topic: Business Administration

Degree: Master

University: University of Kufa - Faculty Of Administration And Economics - Department Of Business Administration

Language: Arabic

University location: Najaf

First pages:

تحليل العلاقة بين الدورات الائتمانية ودورات الاعمال في ظل تطور الصناعة المصرفية == Analyzing The Relation Between The Credit Cycles And The Business Cycle Under The Development of The Banking Industry

Author name: احمد حسن عطشان البديري

Supervisor name: عبد الحسين جليل عبد الحسن الغالبي

General topic: Administration and Economics

Specific topic: Economy

Degree: Master

University: University of Kufa - Faculty Of Administration And Economics - Department Of Economics

Language: Arabic

University location: Najaf

First pages:

Abstract: The studies relating the fiduciary and its cycles occupied an increasing attention in the last few years within the frame of searching the suitable fiduciary level to achieve the optimum economic growth and avoid the negative effects of its cycles that might be a result of the business cycles or the opposite , especially that there are many complexities in addition to the economic, social and political effects of the business cycle as well as the increased effect of the Credit cycles under the modern development in the bank industries. World countries , especially with the developed economic , still suffer from the effects of the Credit cycles since the great depression in 1929 ,or even a long time before it, to the current financial crises ( real estate mortgage) , which involved it to put , within the frame of its economic and social aims, fiduciary conditions and standards to limit or restrict the negative effects on the bank system that resulted from the sequence of the Credit cycles which have a strong relation with the business cycle. Decreasing the fiduciary conditions within an expansionary monetary policy might resulted in an economic growth that might lead the business cycle to its highest degree, but that might cause economic problems if the loans is not paid for any reason , hence the responsible persons of the banks turn to strictness and that in its turn decreases the consumer and investment expenditure and leads to the regression of the business cycle. The business cycle, in its greatest turn point increase the expectations for the investors so the demand of fiduciary is increased motivating the banks to increase the fiduciary it grant. With the smallest turn point the demanded fiduciary decreased. Basing on what has mentioned before , the relation between the Credit cycles and the business cycle , it is a mutual one , each one might caused the other , or the causative relation might go on the same direction. There are no many studies to investigate the effect of these cycles on the economic activities or the relation between them , so this study aims at defining this relation and its direction paying the greatest attention to the Credit cycles due to the scarcity of the Arabic writes in this field. For this reason we shall study the two cycles in Japan , the United States of America and Iraq. The study aims at showing the effect of the Credit cycles, under the modern development in the bank industries ,on business cycle , as well as the effect of Credit cycles on the bank system. The study hypothesizes a mutual relation between the Credit cycles and the business cycle ,restructure a great number of banks with Credit cycles. The study depends on two methods of analyzing ; the descriptive analysis of the Credit cycles via the relating variables in Japan , the United States of America and Iraq, and the quantitative analysis according to modern mathematical and quantitative analyses methods to measure the Relation between the Credit cycles and the business cycle and define its direction. To prove the hypothesis , the researcher depends countries with developed bank systems that affected the economic activities : - Japan , the United States of America and Iraq. The reasons of selecting these countries are that it submitted to the Credit cycles or the business cycle or both of them, and the availability of the data and information that are demanded for the research. The study time scope is varied from country to another according to the cycles time, the fiduciary and the business , or according to the available data, in general the study, for the three countries, covered the period from ( 1990 to 2010).