Total Deposition Research Articles

Examining the causal factors of banking achievements for Islamic banks in Jordanian Islamic banks: An analytical study

This study focuses on examining the causal factors and determinants of financial banking achievements and performances for the working Jordanian Islamic Banks, including Safwa Islamic bank, International Islamic Arab Bank (IIAB), and Jordan Islamic Bank (JIB) during (2011 – 2021). The study considered the most popular measurements for financial banking performances, namely Return on Equity (ROE), Return on Assets (ROA), and dividend yield (DY) as dependent variables. Additionally, the factors of independent variables were measured by quick liquidity ratio, investments and cash to the summation of total deposits, shareholders’ equity to facilities of credit, and equity ratios. The findings showed a positive and significant influence and impact of investments and currency to the summation of aggregate deposits and equity ratio on return on equity, and a negative significant impact of shareholders’ equity on return on equity. However, there was a negative but not significant influence of liquidity (quick) ratio on ROE. Furthermore, the findings indicated a positive and significant impact of investments and currency (cash) to aggregate banking deposits and equity ratio on return on assets, but there was a negative but not significant impact for liquidity quick ratio and shareholders’ equity to credit facilities on return on assets. The liquidity (quick) ratio had a significant and negative impact on dividend yield. Although there was a positive but insignificant impact of investments and cash to the summation of total deposits and equity ratios on dividend yield, there was a greater negative and insignificant impact from shareholders’ equity to credit facilities on dividend yield.

Impacts of atmospheric copper and cadmium deposition on the metal accumulation of camphor leaves and rings around a large smelter.

The atmospheric deposition of copper (Cu) and cadmium (Cd) was monitored in eight sites around a Cu smelter with similar distance to verify whether tree leaf and ring can be used as bio-indicators to track spatial pollution record. Results showed that total atmospheric deposition of Cu (103-1215 mg/m2/year) and Cd (3.57-11.2 mg/m2/year) were 4.73-66.6 and 3.15-12.2 times higher than those in background site (164 mg/m2/year and 0.93 mg/m2/year). The frequencies of wind directions significantly influenced the atmospheric deposition of Cu and Cd, and the highest atmospheric deposition of Cu and Cd were at the prevalent northeastern wind (JN), and low frequency south (WJ) and north (SW) winds for the lowest deposition fluxes. Since the bioavailability of Cd was higher than that of Cu, the atmospheric deposition of Cd was more easily adsorbed by tree leaf and ring, resulting in only significant relation between atmospheric Cd deposition and Cinnamomum camphora leaves and tree ring Cd. Although tree rings cannot correctly record the atmospheric Cu and Cd deposition, higher concentrations in the indigenous tree rings than the transplanted tree rings suggested that tree rings can reflect to some extent the variations of atmospheric deposition. Generally, spatial pollution of atmospheric deposition of heavy metals cannot reflect the distribution of soil total and available metals around the smelter, and only camphor leaf and tree ring can bio-indicate Cd deposition. A major implication of these findings is that leaf and tree ring can serve for biomonitoring purposes to assess the spatial distribution of atmospheric deposition metal with high bioavailability around a pollution source with similar distance.

Effects of organic carbon/elemental carbon and particle size on inhalation bioaccessibility of particle-bound PAHs

Bioaccessible fractions of particle-bound hydrophobic organic compounds (HOCs) are critical to evaluating human inhalation exposure risk. However, the key factors for controlling the release of HOCs into the lung fluid are not adequately examined. To address this issue, eight particle size fractions (0.056–18 μm) from different particle emission sources (barbecue and smoking) were collected and incubated with an in vitro method for determining inhalation bioaccessibilities of polycyclic aromatic hydrocarbons (PAHs). The bioaccessible fractions of particle-bound PAHs were 35–65% for smoke-type charcoal, 24–62% for smokeless-type charcoal, and 44–96% for cigarette. The size distributions of bioaccessible fractions of 3–4 ring PAHs were symmetric with the patterns of their masses, characterized as a unimodal distribution with both the trough and peak at 0.56–1.0 μm. Analysis from machine learning showed that chemical hydrophobicity appeared to be the most significant factor affecting inhalation bioaccessibility of PAHs, followed by organic carbon and elemental carbon contents. Particle size seemed to have little effect on the bioaccessibility of PAHs. A compositional analysis of human inhalation exposure risk from total concentration, deposition concentration, and bioaccessible deposition concentration in alveolar region showed a shift in the key particle size from 0.56−1.0 μm to 1.0–1.8 μm and an increasing in the contributions of 2–3 ring PAHs to risk for cigarette due to the high bioaccessible fractions. These results suggested the significance of particle deposition efficiency and bioaccessible fractions of HOCs in risk assessment.

Comparing ecosystem gaseous elemental mercury fluxes over a deciduous and coniferous forest

Sources of neurotoxic mercury in forests are dominated by atmospheric gaseous elemental mercury (GEM) deposition, but a dearth of direct GEM exchange measurements causes major uncertainties about processes that determine GEM sinks. Here we present three years of forest-level GEM deposition measurements in a coniferous forest and a deciduous forest in northeastern USA, along with flux partitioning into canopy and forest floor contributions. Annual GEM deposition is 13.4 ± 0.80 μg m−2 (coniferous forest) and 25.1 ± 2.4 μg m−2 (deciduous forest) dominating mercury inputs (62 and 76% of total deposition). GEM uptake dominates in daytime during active vegetation periods and correlates with CO2 assimilation, attributable to plant stomatal uptake of mercury. Non-stomatal GEM deposition occurs in the coniferous canopy during nights and to the forest floor in the deciduous forest and accounts for 24 and 39% of GEM deposition, respectively. Our study shows that GEM deposition includes various pathways and is highly ecosystem-specific, which complicates global constraints of terrestrial GEM sinks.

Erosion and accretion of salt marsh in extremely shallow water stages

Salt marshes, which commonly exist on the upper tidal flat, provide a natural barrier against sea level rise and coastal storm. The extremely shallow water stages (water depth< 0.2 m), including the initial stage of flood tides and the last stage of ebb tides, can induce a significant impact on sediment dynamics of saltmarshes and associated tidal flats, despite lasting for only a short time (around 10 min), which has been less studied. In this study, two parallel field sites were established to quantify erosion-accretion processes and morphological changes during extremely shallow water stages in salt marshes within Doulonggang tidal flat along the Jiangsu coast. Our results revealed that obvious accretion occurred during extremely shallow water stages, with a total deposition amount of +33.8 mm in vegetated areas and +20.8 mm in unvegetated areas. In contrast, erosion dominated during deep water stages, with a total erosion amount of -22.3 mm at the vegetated site and -32.7 mm at the unvegetated site. The magnitude of bed-level change during extremely shallow water stages was 7~8 times greater than that during deep water stages, even though the duration of extremely shallow water stages was only about 14~15% of the entire tidal cycle. Furthermore, strong winds significantly impacted deposition during extremely shallow water stages compared to calm weather. During the strong wind period, the average bed level change rate reached +0.15 mm/min and +0.12 mm/min in the vegetated and unvegetated areas, respectively. This is significantly higher than the +0.05 mm/min and +0.01 mm/min during the calm weather period. These results reveal that extremely shallow water stages have substantial impacts on sedimentary processes, which are vital for the maintenance of tidal flat systems.

The impact of non-performing loans on bank lending behavior before and amid COVID-19 Pandemic

The main objective of this study is to assess the impact of non-performing loans on bank lending behavior before and amid the COVID-19 pandemic. To do this research we have chosen fifteen private commercial banks in Bangladesh and data were taken from the year 2012 to the year 2021. Credit growth as a component of bank lending behavior was selected as the dependent variable and independent variables are non-performing loans to total loans, provision for loan losses to total loans, gross domestic product (GDP) rate, inflation rate, unemployment rate, total loans to total customer deposit, total equity to total asset, tier 1 ratio, growth of customer deposits, the dummy variables are used for incorporating the effect of covid-19. The paper suggests that NPL to total loan, provision for loan losses to total loan, total equity to total asset, and dummy variables (effect of covid-19 on NPL) are found statistically significant and inversely related to credit growth. Another three variables namely total loan to total deposit, deposit growth, and inflation variables are statistically significant and positively related to credit growth. All of the significant variables are consistent with general economic theory except the case for total equity to the total asset. To reduce non-performing loans, the banks may concentrate on improving corporate governance, maintaining strong loan review, thoroughly reviewing the KYC form, must ensure safety principles before approving a loan, collecting information from the CIB, accepting adequate collateral, examining the five C’s, name lending and connected party lending should be strictly prohibited which are quite related with behavioral and judgmental issues, would be a matter of further research.

Size‐Resolved Atmospheric Phosphorus in Shanghai: Seasonal Variations, Sources and Dry Deposition

AbstractAtmospheric deposition is an important source for the P biological cycle, especially for P‐limited ecosystems. In the present study, 48 hr size‐segregated aerosol samples were collected at an urban site in Shanghai for one year from May 2019 to June 2020. Total phosphorus (TP) presented a bimodal distribution in four seasons, which was mainly contributed by mineral dust in the coarse mode, and was related to anthropogenic and combustion emissions in the fine mode. Dissolved inorganic phosphorus (DIP) and dissolved organic phosphorus (DOP) presented a bimodal distribution in spring and summer, and a unimodal distribution dominated by a fine mode in autumn and winter. Size distributions and correlation analysis showed that DIP in the fine and coarse modes originated from the acid processing of SO42‐ and NO3−, respectively, while DOP was mainly from biomass burning emissions. Positive Matrix Factor analysis showed that phosphorus (P) in atmospheric aerosols in Shanghai was mainly contributed by four sources, including crustal sources, sea‐salt, industry emissions and fossil fuel combustion, and biomass burning. Industry emissions and fossil fuel combustion, as well as biomass burning were important sources of TP in all particle sizes (50%–65%). Biomass burning was the most important source of DOP (>50%). The total deposition flux of total dissolved phosphorus (TDP) calculated based on the size‐weighted deposition velocity model averaged 75.2 ± 17.4 μg/m2/d. Assuming that all of TDP is bioavailable, TDP deposition can create a primary production of 8.0 mg C/m2/d, which can support 1.3%–4.4% of the new production in the East China Sea.

JMJD3 Promotes Myeloid Fibroblast Activation and Macrophage Polarization in Kidney Fibrosis.

Renal fibrosis is a common feature of chronic kidney disease. Myeloid fibroblasts and macrophages contribute significantly to the pathogenesis of renal fibrosis. However, the molecular mechanisms underlying myeloid fibroblast activation and macrophage polarization are not fully understood. In this study, we examined the role of JMJD3 in myeloid fibroblast activation, macrophage polarization, and renal fibrosis development in a preclinical model of obstructive nephropathy. To examine the role of JMJD3 in renal fibrosis, we generated mice with global or myeloid cell-specific deletion of JMJD3, and we treated wild-type mice with vehicle or GSK-J4, a selective JMJD3 inhibitor. Mice were subjected to unilateral ureteral obstructive injury to induced renal fibrosis. JMJD3 expression was significantly increased in the kidneys during the development of renal fibrosis, which was associated with an increase in H3K27 dimethylation. Mice with global or myeloid JMJD3 deficiency exhibited significantly reduced total collagen deposition and extracellular matrix protein production, myeloid fibroblast activation, and M2 macrophage polarization in the obstructed kidney. Moreover, IFN regulatory factor 4, a mediator of M2 macrophage polarization, was significantly induced in the obstructed kidneys, which was abolished by JMJD3 deficiency. Furthermore, pharmacological inhibition of JMJD3 with GSK-J4 attenuated kidney fibrosis, reduced myeloid fibroblast activation, and suppressed M2 macrophage polarization in the obstructed kidney. Our study identifies JMJD3 as a critical regulator of myeloid fibroblast activation, macrophage polarization, and renal fibrosis development. Therefore, JMJD3 may represent a promising therapeutic target for chronic kidney disease.

The Isaac Newton Telescope Monitoring Survey of Local Group Dwarf Galaxies. VI. The Star Formation History and Dust Production in Andromeda IX

We present a photometric study of the resolved stellar populations in Andromeda IX (And IX), the closest satellite to M31, a metal-poor and low-mass dwarf spheroidal galaxy. We estimate a distance modulus of mag based on the tip of the red giant branch. By probing the variability of asymptotic giant branch stars, we study the star formation history of And IX. We identified 50 long-period variables (LPVs) in And IX using the Isaac Newton Telescope in two filters, the Sloan and Harris V. In this study, we selected LPVs within two half-light radii with amplitudes in the range of 0.2–2.20 mag. It is found that the peak of star formation reaches ∼8.2 ± 3.1 × 10−4 M ⊙ yr−1 at ≈6 Gyr ago. Our findings suggest an outside-in galaxy formation scenario for And IX with a quenching occurring Gyr ago with a star formation rate (SFR) in the order of 2.0 × 10−4 M ⊙ yr−1 at redshift <0.5. We calculate the total stellar mass by integrating the SFR within two half-light radii ∼3.0 × 105 M ⊙. By employing spectral energy distribution fitting for the observed LPVs in And IX, we evaluate a mass-loss rate in the range of 10−7 ≤ ≤ 10−5 M ⊙ yr−1. Finally, we show that the total mass deposition to the interstellar medium (ISM) is ∼2.4 × 10−4 M ⊙ yr−1 from the C- and O-rich types of dust-enshrouded LPVs. The ratio of the total mass returned to the ISM by LPVs to the total stellar mass is ∼8.0 × 10−10 yr−1, and so at this rate it would take ∼1 Gyr to reproduce this galaxy.

Non-metallic inclusion (NMI) deposition in a slide-gate submerged entry nozzle (SEN)

Clogging of the submerged entry nozzle (SEN) is a common and persistent issue in the continuous casting process for steel alloys. The dominant clogging mechanism has been attributed to the deposition and accumulation of non-metallic inclusions (NMI) in the steel melt. Prior studies of NMI deposition assume that every collision between an inclusion and the nozzle wall results in adhesion, which is unrealistic. In this study, a macroscopic transport model for fluid and NMI motion is combined with a microscale model for NMI adhesion and applied to a slide-gate nozzle. Eight NMI sticking probabilities (S) and three slide-gate linear opening positions are explored. Simulation results indicated that the more closed the slide-gate, the greater the total deposition of NMI. When the slide-gate was partially open, the particle area number density was highest above, within and just below the slide-gate. But when the slide-gate was fully opened the deposition was concentrated in the upper tundish nozzle. Deposition behaviour fell into two regimes based on S. When S ≤ 0.05, the particle deposition was low and increased rapidly with sticking probability. When S ≥ 0.05, the particle deposition was high but changed very little with sticking probability. Changes to sticking probability did not significantly affect the deposition locations or relative distribution of particles within the nozzle.

BALANCING MONETARY POLICY IN DEFENCE ECONOMICS IN UKRAINE

The russian federation's launch of a full-scale war against independent Ukraine on February 24, 2022, has presented unprecedented challenges to the country. In addition to resistance on the battlefield, Ukraine must implement adaptive macroeconomic policies to address the situation. This combination of military and economic efforts not only prevents economic collapse but also maintains fragile macroeconomic stability during wartime. Monetary stability becomes especially important, highlighting the absolute necessity for effective implementation of monetary policy.This article aims to identify the key characteristics of Ukraine's defence economy and forecast key policy rates and exchange rates during the war.The prerequisite for forecasting was the analysis of endogenous and exogenous factors determining the current state of the Ukrainian economy: index of business expectations in Ukraine and partner countries, state of international trade and balance of payments, disparities in the labour market, reorientation of the state budget to military needs, devaluation of the national currency, high inflation, increase of financial capital price.Modelling is based on consumer price index (CPI), household inflation expectations, key policy rate of the National Bank of Ukraine, real and nominal effective exchange rates hryvnia to USA dollar, gross and net international reserves, gross and net foreign exchange market interventions, the UK CPI, the USA CPI, EU CPI, and the weighted average yield of domestic government bonds. The methodology involved the use of the VECM model (Vector Error Correlation Model) and the Bagging machine learning method, adapted to time series. Using this methodology enabled an accurate forecast of the key policy rate. In determining the optimal exchange rate, a modified formula was used that takes into account the monetary base, total bank deposits, foreign currency deposits in banks, exchange rate in the black market, and international reserves. This modification enabled the prediction of an exchange rate that closely approximates the official exchange rate.

Predominant contributions through lichen and fine litter to litterfall mercury deposition in a subalpine forest

Litterfall, typically referring to needles/leaves, may stand for >50% of the total mercury (Hg) deposition in forest ecosystems. By detailed categorisation, we reveal for the first time that the contributions through lichens and fine litter, together 9.98 μg Hg m−2 yr−1, could be as high as that in needle litter (9.96 μg m−2 yr−1) to the annual total Hg deposition (44.6 μg m−2 yr−1) in a subalpine forest in Switzerland. Noticeably, needle litter had the highest contribution (53%) to total Hg in the autumn litterfall but lichens and fine litter together predominated in other seasons (47–59%). Such a seasonal pattern is caused by the high ability of lichens and fine litter to accumulate Hg and the high needle litterfall in autumn, which is related to a good rainfall in summer followed by a dry period in autumn. The constantly higher Hg levels in lichens and fine litter than in needle litter together with similar seasonal patterns of litterfall during 2009–2019 and rainfall during 1980–2019 suggest that our finding can be generally valid. Here, we highlight not only the considerable role of non-needle litterfall in Hg deposition but also the association with weather for seasonal Hg dynamics in different litterfall components.

Angular distribution of titanium ions and neutrals in high-power impulse magnetron sputtering discharges

The angular dependence of the deposition rates due to ions and neutrals in high-power impulse magnetron sputtering (HiPIMS) discharges with a titanium target were determined experimentally using a magnetically shielded and charge-selective quartz crystal microbalance (or ionmeter). These rates have been established as a function of the argon working gas pressure, the peak discharge current density, and the pulse length. For all explored cases, the total deposition rate exhibits a heart-shaped profile and the ionized flux fraction peaks on the discharge axis normal to the cathode target surface. This heart-shaped pattern is found to be amplified at increasing current densities and reduced at increased working gas pressures. Furthermore, it is confirmed that a low working gas pressure is beneficial for achieving high deposition rates and high ionized flux fractions in HiPIMS operation.

Impact of Liquidity Management on Profitability of Joint Venture Commercial Banks in Nepal

This study investigates the Impact of Liquidity Management and Profitability of Joint Venture Commercial Banks in Nepal. Data analysis was done using descriptive statistics, Pearson correlation, regression analysis, and t-test. The data used to analyze five (5) samples size, out of 27 which has found to be covering period 2012-2021 of joint venture commercial Banks in Nepal. The Liquidity management represents the variables of the Credit Deposit Ratio (CDR), Capital adequacy ratio (CAR), Current Reserve ratio (CRR), Total deposit to total ratio (TDTAR), Total loan to total assets ratio (TLTAR) and the profitability including Return on Assets (ROA). The findings of the study have a R square value of 0.615 meaning that 61.5% of the variation in the dependent variable is explained by the independent variables while 38.5% is explained by other variables outside the model and also showed that there is a strong positive correlation between the dependent variable and the set of independent variables. The result showed that there is significant impact of TLTAR on ROA and there is insignificant impact of CDR, CAR, CRR and TDTAR on ROA of joint venture commercial banks in Nepal.

THE IMPLEMENTATION OF SHARIA BANKING ON THE ECONOMY OF SOCIETY IN INDONESIA

The rapid development of Islamic banking in Indonesia, which must be balanced with contributions to economic growth, is the background for writing this article. The analysis in this article uses the Ordinary Least Square (OLS) method to find out how much influence Islamic banking has on economic growth as represented by the Gross Domestic Product. The financial sector plays an important role in driving a country's economic growth. This study aims to analyze the causal relationship between Islamic banking on Indonesia's economic growth, analyze the response of Indonesia's economic growth when shocks occur in Islamic banking variables, and determine the contribution of Islamic banking variables to Indonesia's economic growth. Total deposits, total credit/total financing, and total assets as a variable that represents banking. GDP (Gross Domestic Product) as a variable that represents economic growth. Using the Cointegration and Granger Causality methods, the results show that in general conventional and Islamic banking have an effect on economic growth in Indonesia.

Automated Clearing System on Deposit Money Banks’ Performance: Experience from the Nigerian Banks

This study majorly examined the effect of automated cheque clearing system on banks. Specifically, this study examined the effect of automated cheque clearing system on total deposits of deposit money banks in Nigeria. Data were extracted from the CBN Statistical Bulletin (2020). Using the ordinary least square method of analysis via E-views 10, the findings of the study revealed that deposit money banks’ total deposits increased significantly owing to the decline in the value of cheques cleared, since the adoption of the automated cheque clearing system in Nigeria. Guided by the findings of this study, the researcher recommended that the regulatory authorities and banks should continue to liaise with each other on how to improve the efficiency of automated services so as to improve customer satisfaction and patronage.

Comparisons of Spatial and Temporal Variations in PM2.5-Bound Trace Elements in Urban and Rural Areas of South Korea, and Associated Potential Health Risks

PM2.5-bound trace elements were chosen for health risk assessment because they have been linked to an increased risk of respiratory and cardiovascular illness. Since the Korean national air quality standard for ambient particulate matter is based on PM2.5 mass concentration, there have only been a few measurements of PM2.5 particles together with trace elements that can be utilized to evaluate their effects on air quality and human health. Thus, this study describes the trace elements bound to PM2.5 in Seoul (urban area) and Seosan (rural area) using online nondestructive energy-dispersive X-ray fluorescence analysis from December 2020 to January 2021. At both the Seoul and Seosan sites, S, K, Si, Ca, and Fe constituted most of the PM2.5-bound trace elements (~95%); major components such as S, K, and soil (estimatedcalculatedcalculated based on oxides of Si, Fe, Ca, and Ti) were presumably from anthropogenic and crustal sources, as well as favorable meteorological conditions. During winter, synoptic meteorology favored the transport of particles from severely contaminated regions, such as the East Asian outflow and local emissions. The total dry deposition flux for crustal elements was 894.5 ± 320.8 µg m−2 d−1 in Seoul and 1088.8 ± 302.4 µg m−2 d−1 in Seosan. Moreover, potential health risks from the trace elements were estimated. Cancer risk values for carcinogenic trace elements (Cr, As, Ni, and Pb) were within the tolerable limit (1 × 10−6), suggesting that adults and children were not at risk of cancer throughout the study period in Seoul and Seosan. Furthermore, a potential risk assessment of human exposure to remaining carcinogens (Cr, As, Ni, and Pb) and non-carcinogens (Cu, Fe, Zn, V, Mn, and Se) indicated that these trace elements posed no health risks. Nevertheless, trace element monitoring, risk assessment, and mitigation must be strengthened throughout the study area to confirm that trace-element-related health effects remain harmless. Researchers and policymakers can use the database from this study on spatial and temporal variation to establish actions and plans in the future.

Effect of Age and Head Position on Total and Regional Aerosol Deposition in Three-Dimensional Models of Human Intranasal Airways Using a Mucosal Atomization Device.

Background: This study examined the effect of age and head position on total and regional deposition of aerosol delivered by a mucosal atomization device (MAD™) in three-dimensional (3D) models of the intranasal airways of an 18-, 5-, and 2-year-old human. Models consisted of four pieces: anterior nose and nasal cavity that was divided horizontally into upper, middle, and lower thirds. Methods: Models were tested six times at supine, supine with head backward at 45° (supine45), and sitting with head backward at 45° (sitting45). The MAD delivered saline/fluorescein aerosol into model nostrils, during static airflow. Model pieces were tested for fluorescence using a fluorometer, and deposition calculated as percent fluorescence per piece relative to its reference. Total deposition (four pieces combined) and regional deposition (four pieces separately) were calculated. Results: Age and head position had little effect on total deposition. In contrast, deposition in the upper and middle third supine45 and in the lower third sitting45 was significantly different in the 2-year-old model, compared with the two older models. In addition, some head positions significantly increased deposition in the upper, middle, and lower thirds within each model, compared with other positions. Upper deposition was significantly greater at supine45, compared with sitting45 (18-year-old) and supine45, compared with supine and sitting45 (5-year-old). Middle deposition was significantly greater at supine and supine45, compared with sitting45 (2-year-old). Lower deposition was significantly greater at sitting45, compared with supine45 (18-year-old); supine and sitting45, compared with supine45 (5-year-old); and sitting45, compared with supine45 and supine (2-year-old). Conclusions: Age and head position significantly affected regional deposition of aerosol delivered by the MAD in these 3D models. Such models might be used to study other methods for targeting intranasal regions with aerosolized medications in children and adults.

Measuring and Analyzing the Impact of Financial Crowding Out on the Iraqi Banking Sector for the Period From 2004 to 2020

Purpose: The objective of this study was to investigate the effect of financial crowding out on the banking sector, tested under the mediation of the two variables of banking sector indicators (total deposits ,Bank credit). Theoretical Framework: Although the studies conducted to clarify the effects of fiscal crowding-out were conducted in the context of public finances, there was a need to explore the effect of mediating interest rates as a result of increasing public debt to finance government spending. Design/Methodology/Approach: We used the methodologies of Ali Jaber and Hoda Abed (2003) to test the effect of financial policy variables to measure the size of the financial crowding out variable. Regarding the testing and validity of the hypothetical search model, path analysis was used within the structural equation modeling analysis. The study sample consists of 16 commercial and Islamic banks in the Iraqi banking sector, and it is inclusive of all the data of the banks listed in the Iraq Stock Exchange, for the possibility of generalizing the results fairly to the community. Findings: The results indicate that the variables of total taxes, public debt, and total public expenditures as indicators of the volume of financial competition have a direct impact on total bank deposits and credit. Such an effect is statistically significant. The results provide practical solutions to enhance competition in the funds available for lending to the banking sector by diversifying the various funding sources to preserve and sustain banking resources. Research, Practical and Social Implications: Future studies can look at other indicators of the size of financial competition and assess its impact on the various dimensions of the relationship between the financial policy methodology and banking sector facilities. Implications/Originality/Value: This study contributes to the literature related to fiscal policy by analyzing the results of the impact of government spending financing equations on total deposits and the volume of bank credit in Iraqi banks, and presents a practical and applied perception of the role played by the fiscal policy methodology in Iraq.

The Relationship between Bank Deposits and Macroeconomic Variables in Ghana: A Co-Integration Approach

This study examined the linkages between macroeconomic variables and how those relationships affect the total deposits of Ghanaian banks. The macroeconomic variables included in this study were Inflation (I), Monetary Policy Rate (MPR), Gross International Reserve (GIR), Public Debt (PD), Gross Domestic Product (GDP), GSE All share Index (GASI), Rate of change in Total Money Supply (M2+), deposits in the banking sector (TD). The study employed monthly data over the period (2015–2020); obtained from the Bank of Ghana monthly time series database. The data were analyzed using Gretl. The cointegration technique was employed in this study to gauge the long-term and short-term responsiveness of the connections. The ADF results indicated that the study variables were non-stationary. The econometric analysis suggested that the study variables, inflation (I), Gross Domestic Product (GDP), Public Debt level (PD), and Total Deposits (TD) in banks operating in Ghana, exhibited a significant positive long-run cointegration relationship. This suggested that the identified variables play a crucial role in explaining the fluctuations in total deposit levels within the Ghanaian banking industry. Bank deposit is strongly exogenous and moves to restore equilibrium through several short-run partial adjustments in the short-run. Also, in the short-run, only the GSE All-share index (GASI) significantly influenced bank deposits, but not in the long-run. In the long run, the relationship was still positive but insignificant.