Thread: Archive Latest News - Dinar Think Tank - 27/08/08 - 15/01/09

Difficulties in marketing banking services

Banks generally aim to marketing services, not goods from the conduct of their business, which impose great difficulties in marketing, these constraints result from the characteristics and advantages of the same services .. It features services Ballammoosap sense to establish whether it is visible also are not typical (contrast) in the production of the service. The loss ended any relationship between the end product (the bank) and consumer (client), in addition to establish whether the service in conjunction meaning that produce and consume at any one time can not be stored. The features pre-marketing services made the bank a great importance to banks, the marketing process for the banks to become more profitable markets in current and future needs and assess current and future customers, meaning that the balance between workers first, the profitability (search for markets), and second, to achieve Customer satisfaction, and those goals are Strutejiat banking.

This requires that the administration of bank marketing Tnzeraly banking that an ongoing process and a list of the banking practice of starting from meeting the customer to influence it, and then stimulated to deposit and miscellaneous services and maintain a liaison with the ongoing success of the work is not banking.

The characteristics and advantages mentioned above and on the nature of banking services to banks create many problems which require the administration of a bank marketing Alstrutejiat (solutions) to face lack of tangible services lead to difficulty in supply and use of amphetamine and the difficulty of excellence can not patent protected and easily replicated, in addition to the problems of Pricing in terms of the difficulty of establishing the price and determine the Wolf.

Those problems associated with some of them the element of the promotion and effectiveness of banking and other related products or pricing the same banking services in this area focus of the proposed solutions to stress the concrete variables (embodiment of service) and the emphasis on more personal contact sources from other sources than personal, and create a distinctive image for The bank.

And it extends to other features of both the heterogeneity of services (non-typical) or disappearing or tying.

That the success of banking management in the marketing of its services largely depends on how understanding and understanding of the nature of the services provided and how the marketing advantages in the light of the nature and characteristics of those services.

Almstmraly focus and improve the quality of services provided based on various means including the development of service standards such as good treatment with the client, and the development of skills of workers to provide the service quickly and high quality, continuous follow-up to the needs and wishes and preferences of current and future customers, which is always a good market opportunities for the Bank.

It also would promote the bank all the devices (with media and public relations ... etc.) played an important role in the success of the marketing of banking services.

In addition, it highlights the concept of retail banking market as a key factor for the success of marketing services, which is accurate to respond to the needs and desires of consumers can be divided according to market entry or by age or specialized market segmentation ..Etc..

Finally, the banking services market is facing many difficulties and obstacles linked to the service itself and nature (which is what we focus in this article), including the factors associated with the external environment.

And indicators of success in the banking management can clearly show profitability through which financial resources obtained by the bank for services provided as well as the continuing interaction and satisfaction of consumer needs and satisfy the administration and the more aware of the nature of banking activity and characteristics are more able to develop plans and programs Would be able to achieve its goals.

The more limited outlook and a comprehensive and accurate picture of its characteristics will suffer difficulties in achieving its goals, and over time lose market share and then fade and disappear.

http://translate.google.co.uk/transl...hl=en&ie=UTF-8

Economist calls for intensified efforts to bring specialized skills in economy to the country

Iraqi economic expert called on the government to intensify its efforts to restore national specialized competence in economic affairs to the country and the creation of a well-off supplies to them.

Said Dr. Nabil al-Saidi told the independent press (Iba) today, Tuesday, said the idea of the skills and experience of the Iraqi diaspora need to continue government support for the return of full scientific skills and contribute to the reconstruction of Iraq as well as the application of the proposed mechanisms to communicate with them in the diaspora and rely on their experience and their studies Science.

He added that the adoption of procedures and strategies that could convince professional economists abroad to return to Iraq to contribute to the country's development is an important requirement to prove after the fact is that the advantage of the academic, stressing the need to adopt ideas for the exploitation of these experiences.

He said that the adoption of a new vision based on the benefit from the experience of living abroad Aostaadp competencies of these competencies and their application in the required programs Ministries, and called for the preparation of special laws abroad in the scientific councils and administrative boards and research centers.

He explained that Alstrutejiat should include several sectors including the sectors of renewable energy and technology, health, agriculture and physics.

The Baghdad witnessed yesterday the convening of the competencies and expertise in Iraq to ensure the return of the diaspora who competencies of Iraq and create the conditions for dialogue between the interested parties in the legislative bodies of the ministries and government institutions and qualified immigrant, experts and specialists and thus determine the requirements of the involvement of competencies abroad in Iraq and discuss the proposed mechanisms to communicate with them In the diaspora.

http://66.102.9.104/translate_c?hl=e...yS3GB0bdmJ3EAg

Oil Expert to defend the autonomy agreements with Shell

Established the Faculty of Science, University of Basra scientific symposium under the banner of (reality and future prospects for gas production in southern Iraq).

The oil expert in favor of a modern Moses, a ministry of oil a full explanation on the principles of the investment agreement between the Ministry of gas oil, Shell world.

Moussa said that "the contract is the participation of a professional economic theme of oil a cornerstone to build a large gas industry and particularly in Basra."

He noted that "more than 700 million cubic feet per day of gas is burned without the benefit of them because of the lack of private enterprises to exploit these facilities or obsolete and have work systems, financial and administrative corruption, administrative and financial officials to reverse the general funds of the lack of oversight and accountability of professional actors Distracted many of the leading positions of unqualified persons."

"We have the ambition to stop gas flaring and meet the requirement of domestic dry gas and export the surplus to world markets."

And Moussa, said "this contract is the participation agreement, not investment, has been as existing laws are legal 21 and 22 of 1997, which does not require approval by the House of Representatives."

http://66.102.9.104/translate_c?hl=e...tLBq32Bc9fwfrA

Gulf states set for monetary council in '09
Gulf Arab states are poised to launch a common monetary council, the precursor to a regional central bank in 2009, the head of the Gulf Cooperation Council said in remarks published on Tuesday.

"We look forward to set up the monetary council of the Gulf Cooperation states next year," GCC Secretary-General Abdul-Rahman al-Attiyah told Al-Hayat newspaper.

The GCC - a loose political and economic alliance that comprises of Bahrain, Kuwait, Oman, Qatar, Saudi Arabia and the United Arab Emirates - launched monetary union plans in 2001 but setbacks have since dogged the project.

Oman has opted out of the planned monetary union.

Leaders of the oil-producing nations are expected to approve a monetary union agreement and a monetary council charter when they meet in Oman later this month.

The GCC plans to have a joint Gulf Arab central bank that will be independent from the governments of its member countries.

The joint central bank would be preceded by a joint monetary council to help the transition, although the draft did not give a specific timeframe for how long the transition phase might take.

The unified monetary authority cannot be established until the five countries taking part have all ratified the agreement.

In September, GCC finance ministers approved the framework for their monetary union but left questions over the timing of the launch of the single currency unanswered.

Attiyah maintained that the single currency would be launched in 2010, a deadline several member states doubt would be possible to meet.

"There has not been up any postponement up to now," he said.

http://www.arabianbusiness.com/54189...-council-in-09

Parliament approves law on withdrawal of foreign forces & postponement of sessions to 9th next month

Said First Deputy Speaker Sheikh Khalid al-Attiyah, the Iraqi parliament's approval on the Law of the withdrawal of foreign forces from Iraq, stressing at the same time to postpone the parliamentary sessions of the ninth month of January next.

Attiyah said in an interview with "Uzmatik", today, Tuesday, evening, "the Iraqi parliament approved a law to withdraw foreign forces from Iraq in the special session was devoted to the issue of the dismissal of parliament speaker Mahmoud al-Mashhadani."

The council of ministers, approved the sixteenth of this month on a draft law for the withdrawal of all foreign forces working within the multinational forces in Iraq, and gave the law for seven months to get these troops.

Attiyah added that "the Presidency of the Iraqi parliament decided during the special session of parliament devoted to the issue of al-Mashhadani's resignation from the post to lift its ninth month of January next.

The Iraqi parliament speaker Mahmoud al-Mashhadani, submitted his resignation during the special meeting of Iraq's parliament, which was held today, Tuesday.

A member of Parliament Speaker Mahmoud al-Mashhadani, the National Dialogue Council, one of the components of the Accordance Front, which includes the Iraqi Islamic Party and the people of Iraq, with 38 seats of 275, and already the Iraqi Accordance Front Front had advanced, 2007, the proposal recommends the removal of the chief Mahmoud al-Mashhadani Background altercation was broken by clashes between striking hand-Mashhadani guards and one of the deputies of the Alliance.

The al-Mashhadani, was born in 1948 in the Iraqi capital Baghdad, and graduated from the Faculty of Medicine at the University of Baghdad, where he was studying at the expense of the Iraqi Ministry of Defense in 1972 first lieutenant, was arrested in 1980, when the majors because of his opposition to the Iraq war, Iranian Started in the same year, and released after several months, also was arrested in 2000 on charges of acts of anti-Saddam regime and was sentenced to imprisonment for a period of fifteen years, and confiscated movable and immovable, but the regime of Saddam al-Mashhadani was released after two years spent in Register under the amnesty law issued by the end of 2002.

http://66.102.9.104/translate_c?hl=e...i7nqrwJlFAbYOA

Baghdad & London in a race against time to resolve the future of British troops in Iraq

A spokesman for the British Ministry of Defense, today, Tuesday, that Britain "will discuss with the Iraqi government" future of its troops in Iraq.

"We are working closely with the Iraqi government for there to be a solid legal basis for the presence of our troops in 2009."

The House of Representatives, today, Tuesday, to authorize the government to take action, as deemed appropriate on the agreement with all countries which have troops in the multinational forces in Iraq, with the exception of the United States, which held a convention with Iraq alone to organize the withdrawal of its troops.

Such authorization would allow the Iraqi government to reach an agreement with the British announced their intention to begin withdrawing its troops from Iraq in May (May) said.

It is scheduled to be completed the withdrawal of British troops in late July (July) next to remain between 300 to 400 troops for the training of Iraqi forces.

The international mandate for the survival of British troops in Iraq until the thirty-atheist of the month of December (December) said.

In the face of Baghdad and London one week to complete the agreement provides legal cover to the troops for the months preceding the withdrawal.

http://66.102.9.104/translate_c?hl=e...kCPKke9DndHcbw

Amiri: Iraq money protected by the U.S. President

Deputy Hadi al-Amiri, the United Iraqi Alliance, the UN Security Council resolution to drive Iraq from Section VII major victory, stressing that this is what Iraqis want.

The Amiri told the independent press (Iba) today, Tuesday, that this means that Iraq no longer threatens other countries, and he was free to act in the money, noting that Iraqi money is now protected by President George W. Bush, which means that the Iraqi funds has become Full sovereignty (as he put it).

He said the pressure exerted on the U.S. side by Iraqi politicians, who insisted that Iraq is out of a seventh item of the signing of the Convention on the withdrawal of U.S. troops from Iraq, the detector for long discussions with the U.S. side in this regard.

The UN Security Council voted late yesterday, Monday, unanimously adopted a resolution providing for ousting Iraq from the huge item VII and end the mandate of multinational force under U.S. command in Iraq atheist thirty this month, at the request of Iraq, the resolution promised the task force "ended "On 31 December 2008. It also, that the proceeds of Iraq's energy exports will enjoy immunity from any claims through 2009.

The resolution endorsed the crafted by the United States and Britain and approved by the members were all asked Baghdad for a review of previous Council resolutions on Iraq dating back to Saddam Hussein in order to cancel the decisions of long-term.

http://66.102.9.104/translate_c?hl=e...LNCgUCuyaZ8sdw

Cabinet agrees to forward rehabilitation of industrial plants to international companies

The Cabinet has approved the allocation of rehabilitation and modernization of the second stage of the plants, the Ministry of Industry and Minerals for international companies specialized as told by the media source in the ministry.

He added that the companies referred to it that laboratories were the best of the bids submitted after the announcement by the ministry of investment opportunities, but that the assignment came after extensive discussions in the Jordanian capital Amman.

He said the investment of such laboratories will be a lot of benefits of the plant and its workers by forcing the investor to retain all employees and pay salaries in addition to the incentives granted by the law.

http://translate.google.co.uk/transl...hl=en&ie=UTF-8

Kurds cannot collect Oil Royalties, says Minister

The central government is the sole authority with the right to collect revenues from oil sales, Oil Minister Hussain Shahristani said.

Shahristani made the remarks in an exclusive interview with Azzaman published on Monday.

The comment puts to rest speculation that the Kurds had snatched a concession from the central government to collect revenues from oil sales originating in their territory.

“Any oil produced anywhere in Iraq must be marketed through the Iraqi Oil Ministry … and the revenues funneled to the central government coffers,” Shahristani said.

He reiterated central government’s stand that no region in Iraq, including the one administered currently by Kurds, shall have the right to sign oil deals or engage in exporting oil and collecting the revenues on its own.

The Kurds have signed several deals to develop fields in their self-rule territory and say they are now capable of exporting up to 100,000 barrels a day.

But differences over the nature of the contracts the Kurds have signed and their demand to have a say in sales have stalled exports.

http://www.azzaman.com/english/index...12-22\kurd.htm

News on the nomination of al-Hussein to the presidency of Parliament

The sources from the Office of Dr. Mahmoud al-Mashhadani that his successor in the presidency of the Chamber of Deputies may be the lot of Mr. Hussein al -

The sources indicated that there is a consensus between the Supreme Council and Dawa and the Dawa Party, the organization of Iraq and the Badr Organization, to accept the nomination Jubouri, a member of the Accordance Front.

Mashhadani was submitted his resignation after it faced a wave of objections radical of the Kurdish Alliance and the Supreme Council calls for the dismissal, which forced him to resign from the presidency of the Council

http://66.102.9.104/translate_c?hl=e...rAcYdy7gW_Ts5g