{"id":56791,"date":"2026-11-05T17:49:01","date_gmt":"2026-11-05T17:49:01","guid":{"rendered":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/?p=56791"},"modified":"2026-11-05T17:50:23","modified_gmt":"2026-11-05T17:50:23","slug":"the-department-of-financial-and-banking-sciences-at-mosul-university-college-of-administration-and-economics-discusses-masters-thesis-on-financial-flexibility-impact-on-bank-credit-in-iraqi-banking","status":"publish","type":"post","link":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/2026\/11\/05\/the-department-of-financial-and-banking-sciences-at-mosul-university-college-of-administration-and-economics-discusses-masters-thesis-on-financial-flexibility-impact-on-bank-credit-in-iraqi-banking\/","title":{"rendered":"The Department of Financial and Banking Sciences at Mosul University College of Administration and Economics Discusses Master&#8217;s Thesis on Financial Flexibility Impact on Bank Credit in Iraqi Banking Environment"},"content":{"rendered":"<p dir=\"ltr\" style=\"text-align: left\">The Department of Financial and Banking Sciences at the College of Administration and Economics, University of Mosul, discussed on Thursday, November 5, 2026, a Master&#8217;s thesis titled &#8220;The Impact of Financial Flexibility on Bank Credit within the Iraqi Banking Environment,&#8221; submitted by student Yamama Hani Mohammad-Ali Abdul-Salam in Discussion Hall No. (2).<\/p>\n<p dir=\"ltr\">\u200bThe study aimed to analyze the impact of financial flexibility on bank credit through an econometric application on a sample of Arab banks, including Iraqi banks, for the period (2010\u20132024). It also measured the reflection of financial flexibility indicators, particularly liquidity ratios and financial leverage, on banking credit activity.<\/p>\n<p dir=\"ltr\">\u200bThe study arrived at several conclusions, most notably that financial flexibility constitutes a fundamental factor in strengthening banks&#8217; capacity to sustain credit activity and adapt to economic fluctuations. It further demonstrated that balanced management of liquidity and capital structure contributes to enhancing credit allocation efficiency and mitigating financial risks, thereby supporting stability in banking performance and bolstering its ability to navigate economic shifts.<\/p>\n<p dir=\"ltr\">\u200bThe examination committee consisted of Professor Dr. Doaa Noman Al-Husseini \u2013 College of Administration and Economics \/ University of Mosul \u2013 Chair, Associate Professor Dr. Mayada Salah Al-Din Taj Al-Din \u2013 College of Administration and Economics \/ University of Mosul \u2013 Member, Associate Professor Mr. Mohammad Thannoon Mohammad \u2013 College of Administration and Economics \/ University of Mosul \u2013 Member and Associate Professor Dr. Zahraa Ahmed Al-Nuaimi \u2013 College of Administration and Economics \/ University of Mosul \u2013 Member and Supervisor.<\/p>\n<p dir=\"ltr\"><img decoding=\"async\" class=\"lazyload alignnone size-medium wp-image-56792\" src=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-300x200.jpg\" data-orig-src=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27200%27%20viewBox%3D%270%200%20300%20200%27%3E%3Crect%20width%3D%27300%27%20height%3D%27200%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-200x133.jpg 200w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-300x200.jpg 300w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-400x267.jpg 400w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-600x400.jpg 600w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-768x512.jpg 768w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-800x533.jpg 800w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-1024x682.jpg 1024w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051-1200x800.jpg 1200w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0051.jpg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 300px) 100vw, 300px\" \/> <img decoding=\"async\" class=\"lazyload alignnone size-medium wp-image-56793\" src=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-300x200.jpg\" data-orig-src=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27200%27%20viewBox%3D%270%200%20300%20200%27%3E%3Crect%20width%3D%27300%27%20height%3D%27200%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-200x133.jpg 200w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-300x200.jpg 300w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-400x267.jpg 400w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-600x400.jpg 600w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-768x512.jpg 768w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-800x533.jpg 800w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-1024x682.jpg 1024w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052-1200x800.jpg 1200w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0052.jpg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 300px) 100vw, 300px\" \/> <img decoding=\"async\" class=\"lazyload alignnone size-medium wp-image-56794\" src=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-300x200.jpg\" data-orig-src=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27300%27%20height%3D%27200%27%20viewBox%3D%270%200%20300%20200%27%3E%3Crect%20width%3D%27300%27%20height%3D%27200%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-200x133.jpg 200w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-300x200.jpg 300w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-400x267.jpg 400w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-600x400.jpg 600w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-768x512.jpg 768w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-800x533.jpg 800w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-1024x682.jpg 1024w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053-1200x800.jpg 1200w, https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-content\/uploads\/sites\/13\/2026\/11\/IMG-20261105-WA0053.jpg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Department of Financial and Banking Sciences at the College of Administration and Economics, University of Mosul, discussed on Thursday, November 5, 2026, a Master&#8217;s thesis titled &#8220;The Impact of Financial Flexibility on Bank Credit within the Iraqi Banking Environment,&#8221; submitted by student Yamama Hani Mohammad-Ali Abdul-Salam in Discussion Hall No. (2). \u200bThe study aimed to analyze the impact of financial flexibility on bank credit through an econometric application on a sample of Arab banks, including Iraqi banks, for the period (2010\u20132024). It also measured the reflection of financial flexibility indicators, particularly liquidity ratios and financial leverage, on banking credit activity. <a href=\"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/2026\/11\/05\/the-department-of-financial-and-banking-sciences-at-mosul-university-college-of-administration-and-economics-discusses-masters-thesis-on-financial-flexibility-impact-on-bank-credit-in-iraqi-banking\/\"> [Read More]<\/a><\/p>\n","protected":false},"author":17,"featured_media":56795,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-56791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-discussions"],"_links":{"self":[{"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/posts\/56791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/comments?post=56791"}],"version-history":[{"count":2,"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/posts\/56791\/revisions"}],"predecessor-version":[{"id":56797,"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/posts\/56791\/revisions\/56797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/media\/56795"}],"wp:attachment":[{"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/media?parent=56791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/categories?post=56791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uomosul.edu.iq\/en\/administrationeconomic\/wp-json\/wp\/v2\/tags?post=56791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}