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All Journal Unisia
Mahmud, Mahmud Hedi Khalid
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Monetary Policy as a Driver of Credit Expansion and Deposit Mobilization in Banks: Case Study in Iraqi Commercial Banks Hasan, Barham Bakr; Vladimirovich, Girinsky Andrey; Mahmud, Mahmud Hedi Khalid
Unisia Vol. 43 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol43.iss1.art3

Abstract

This study explores how monetary policy influences credit growth and deposit mobilization in Iraqi commercial banks. It looks at how central banks use tools like interest rates, reserve requirements, and open market operations to control credit availability and attract deposits. In Iraq’s developing economy, where oil plays a key role, these policies are especially important. However, the banking sector in Iraq faces several challenges, including vulnerability to external factors and the presence of informal financial systems. This research aims to provide a clear understanding of how monetary policy has functioned over time and how it could contribute to greater economic stability and growth. The findings suggest that while monetary policy can have a strong impact on credit and deposit activity, its full potential is often limited by weaknesses in the banking system.
The Impact of Monetary Policy Instruments on Financial Stability: A Case Study of Iraqi Commercial Banks Hasan, Barham Bakr; Vladimirovich, Girinsky Andrey; Mahmud, Mahmud Hedi Khalid
Unisia Vol. 43 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/unisia.vol43.iss1.art4

Abstract

Since Iraqi commercial banks are so imperative to the country's economy, this consider looks at how money related approach instruments influence their capacity to preserve money related soundness. We utilize mixed-methods examination, combining subjective points of view from bank directors and policymakers with quantitative information from imperative money related measurements like resource quality, capital ampleness, and liquidity proportions. Based on their loaning capabilities and chance administration approaches, the comes about appear that save necessities and intrigued rate changes have a major effect on bank solidness. It too draws consideration to the specific troubles Iraqi banks have, like expansion and political unusualness that disturb the effect of financial arrangement. This investigates endeavors to move forward the proficiency of financial approach in advancing monetary steadiness in Iraq's keeping money industry by giving suggestions for policymakers.
Co-Authors Hasan, Barham Bakr Vladimirovich, Girinsky Andrey