Abstract
The current research aims to show the effect of bank credit granted by the banking sector in
enhancing the logistical services of Iraqi society. The phenomenon of slums was chosen as a
research problem due to the great negative effects of this phenomenon through its impact on
the urban, social, economic, and security reality of society. The research presents five
strategies (the strategy of removal and compensation with a cash allowance, the strategy of
removal and compensation with housing units, the strategy of removal and distribution of plots
of land for transgressors, the strategy of contracting for rent, the strategy of organization, sale,
and ownership) to confront this problem that took root after 2003. A questionnaire was
designed to measure search variables. The research was applied in the provinces of Najaf and
Basra, and (160) questionnaires were distributed, and (150) forms valid for measurement and
analysis were received. The results show that the solutions to the problem of slums lie in the
intervention of the banking sector as a grantor of credit because of its great capabilities and
resources that can be exploited in employing solutions to the problem. The results also show
that the phenomenon of slums cast a delusion on the service, social and urban aspects of the
cities surveyed.
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