الشمول المالي و أثره في تحقيق النجاح الإستراتيجي للمنظمات الخدمية : دراسة استطلاعية لعينة من القطاع المصرفي في الخاص العراقي

الملخص EN

On the rapid development of Information technology within new communication devices which made the world as small village, which increased the fluctuation in economy, policy and finance with the starts of twentieth century.

It is made Investment environment including Banking environment clear insisting on banking Investment activity with whom treated with these banks, which have an effect on multiple desirable, goods and future of Customers who treated with these banks, which showed a right thinking and deep studies on how persuade customers and dealing with their goods, within Sociable, economy and strategic sectors to maintain some stability in finance, financial integrity, and protection from finance risks that face them.

It is important to obey to bring these demands which is necessary as important and vital side in obtaining a strategic success of bank, which achive during its viability in work sector, adaptation, and response for internal and external environments and growth activities and increase in the knowledge due sustainable teaching.

It is important to mention that the achievement successes on strategic level is not easy to gain, it is important thought from these organization management on production and service sides on showed in this study, but is also, was and continue to be as thinking conclusion on possibility of these organizations to gain because of many effective factors on investment activity which made private banking sector in Iraq to fill this space which decreased the trust from customers due to the study of these factors and giving starting points which include how to make attraction for customer to deal and continue with the bank.

Detailed analysis was conducted to the above factors on questioners which were done in this study for studied sample include six private Iraqi banks, these were chosen according to specific conditions during March and April 2015 using some statistical analysis ways according to spss that.

The experiment revealed some conclusions some of which was that there were good relationship between inclusion sectors and banking strategic success, which have big effects on success achievement.

This study also reached some recommendations the most important of all was the increased cultural knowledge of employee in these banks, gave them good development and adoptability to work with new methods to give good service, this study also showed the role of these banks to study internal and external environments which assure new programs according to environmental changes