مدى إمكانية تطبيق إنشاء الصناديق الاستثمارية المشتركة داخل الوحدات الحكومية و دورها في تحفيز الادخار المالي للموظفين : دراسة تحليلية لآراء عينة من العاملين في بعض دوائر محافظة المثنى

الملخص EN

This research aims to shed light on the formation and implementation of a new strategy to develop investment in new ways according to the developments in the countries and from these methods mutual funds and the establishment of a theoretical model for the strategy of establishing mutual funds to help solve the economic problems in the country.

In order to achieve the objectives of the study, the researchers used the descriptive analytical method by preparing the questionnaire form prepared scientifically.

This questionnaire was distributed to the employees (accountants, auditors, directors of departments, divisions and units) in some government institutions in Samawah city - Muthanna Governorate (3) (Muthanna University, Muthanna Health Department and General Directorate of Education), 90 forms were distributed and 84 (93% ) were retrieved.

Statistical analyzes were carried out to achieve the hypotheses of the study.

Therefore research reached a number of conclusions, the most important of which is the lack of a clear strategy by the state to establish mutual funds for the development of the national economy, and the lack of studies and research on the subject of Iraq support mutual funds.

Therefore, the study recommends that the state should motivate employees of government institutions to participate in supporting mutual funds by holding seminars and workshops on this subject, as well as developing strategies and policies aimed at participation of individuals working in government institutions in supporting savings and mutual investment funds.

In the economic development of the country.

funds and what the role of social welfare and create new jobs for society.