أثر مؤهلات الذكاء المالي على التنمية الرأسمالية للمشاريع للمشاريع المتوسطة و الصغيرة في العراق

الملخص EN

his research aims to analyze the intelligent financial qualifications which can be gain by the financial managers, with its impact to generate new investment opportunities, at Iraqi small and medium enterprises, these enterprises have more risks than other especially under Iraqi economic condition, which improve store market finally.

These skills are divided into two groups scientific and occupational, the researchers use an inductive approach for literature review to financial intelligent skills.

Research data has been collected by primary data method in some of the academics, enterprise managers, financial managers, accountant, and auditors, at AlNajaf city.

after the hypotheses test, the research finds there is a positive impact for financial intelligent skills and capital growth opportunities, and positive relationship between these skills and developing of the securities market, the main recommendation is to open connection channels with international stocks market to integrate local market with them, In addition to the necessity of qualifying financial decision-makers with good financial skills through periodic training courses, facilitating mergers with foreign companies, encouraging managers of small and medium enterprises to enter the stock market and facilitating the procedures required for that