اعتماد مبادئ الحكومة الإلكترونية في تحسين إجراءات تحصيل القروض : دراسة تطبيقية في صندوق الإسكان العراقي
Other Title(s)
Adopting the principles of e-government to improve loan collection procedures : an empirical study in the Iraqi housing fund
Joint Authors
العبيدي، أرادن حاتم خضير
شهد رامز انور
Source
مجلة كلية الرافدين الجامعة للعلوم
Issue
Vol. 2021, Issue 49 (31 Dec. 2021), pp.73-87, 15 p.
Publisher
al-Rafidain University College
Publication Date
2021-12-31
Country of Publication
Iraq
No. of Pages
15
Main Subjects
Financial and Accounting Sciences
Topics
- Public administration
- Loans
- Public enterprises
- Statistics
- Electronicl equipment
- Information technology
- Internet
- Electronics
- Standard deviations
Abstract EN
The urgent need for adopting the principles of e-government appeared in all the government institutions and determining the extent of their use in managing data and information and how to take the necessary measures to prevent problems faced by all organizations, especially in the Iraqi Housing Fund.
The problem of the study stems from the need for urgent reforms to achieve its goals and public social interests with confidence and safely by relying on modern systems and programs in the procedures for granting loans and the mechanism for repaying them, hence the importance of this study in the extent of benefiting from adopting the principles of e-government in improving loan collection procedures in general in the government financing institutions, and in particular in the (Iraqi Housing Fund), as they lead to the re-forming the fund's infrastructure and focus on the use of its electronic devices, including follow-up programs of the new borrowers and follow-up programs with the mechanism of loan repayment in addition to investing in information technology and employing it in all sections of the Fund to facilitate the process of granting loans and obtaining the required information from the new borrowers and following up the defaulted borrowers after determining the reasons for delayed payment from the required time.
As the study aimed to identify the emergence and development of e-government, and focus on the importance of the electronic government, its goals and benefits in government organizations, and determining the types of public loans and their economic and social effects, so a set of questions related to the study variables was represented, which is represented in the (55) questionnaires from a sample of individuals borrowers whose number reached (40) borrowers according to the results of the questionnaires that are valid for SPSS and Excel and statistical methods and statistical tools (arithmetic mean, standard deviation, relative importance, simple correlation coefficient, test T, test F, determination coefficient R2).
The study reached a set of conclusions, the most important of which is: The presence of a rational electronic initiative that provides technology infrastructure and human efficiency that adopts the principles of e-government, and this reflects positively on measures to improve the collection of loans.
American Psychological Association (APA)
العبيدي، أرادن حاتم خضير وشهد رامز انور. 2021. اعتماد مبادئ الحكومة الإلكترونية في تحسين إجراءات تحصيل القروض : دراسة تطبيقية في صندوق الإسكان العراقي. مجلة كلية الرافدين الجامعة للعلوم،مج. 2021، ع. 49، ص ص. 73-87.
https://search.emarefa.net/detail/BIM-1270134
Modern Language Association (MLA)
العبيدي، أرادن حاتم خضير وشهد رامز انور. اعتماد مبادئ الحكومة الإلكترونية في تحسين إجراءات تحصيل القروض : دراسة تطبيقية في صندوق الإسكان العراقي. مجلة كلية الرافدين الجامعة للعلوم ع. 49 (2021)، ص ص. 73-87.
https://search.emarefa.net/detail/BIM-1270134
American Medical Association (AMA)
العبيدي، أرادن حاتم خضير وشهد رامز انور. اعتماد مبادئ الحكومة الإلكترونية في تحسين إجراءات تحصيل القروض : دراسة تطبيقية في صندوق الإسكان العراقي. مجلة كلية الرافدين الجامعة للعلوم. 2021. مج. 2021، ع. 49، ص ص. 73-87.
https://search.emarefa.net/detail/BIM-1270134
Data Type
Journal Articles
Language
Arabic
Notes
-
Record ID
BIM-1270134