The Role of Bank Credit In Enhancing Logistics Services: A Prospective Study On The Phenomenon Of Slums

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.