The University of Baghdad College of Law Discusses a Master’s Thesis on the Role of the Iraqi Real Estate Bank in Achieving Sustainable Development Goals

The College of Law at the University of Baghdad discussed a master’s thesis entitled “The Role of the Iraqi Real Estate Bank in Achieving Sustainable Development Goals” submitted by the student Zainab Ali Muzal in the Department of Public Law on Tuesday, 9 June 2026, at the College’s Mock Court Hall.

The examination committee consisted of:

  1. Prof. Dr. Ali Hadi Atiyah (Chairman).
  2. Assist. Prof. Dr. Taghreed Mohammed Qadoori (Member).
  3. Assist. Prof. Dr. Ali Abdul Abbas Naim (Member).
  4. Prof. Dr. Ban Salah Abdul Qadir (Member and Supervisor).

The thesis aimed to demonstrate the role played by the Iraqi Real Estate Bank in supporting and achieving sustainable development goals through analyzing the legislative framework governing its activities and assessing its adequacy in enabling the Bank to perform its developmental role in the housing sector. It also examined the Bank’s contribution to addressing housing challenges and promoting social and economic stability in Iraq.

The thesis consisted of three chapters. The first chapter addressed the conceptual framework of sustainable development and the Iraqi Real Estate Bank. The second chapter examined the right to housing and the Bank’s financing mechanisms. The third chapter discussed the impacts of the Bank’s financing policy in light of sustainable development and the mechanisms of oversight applied to it.

The thesis concluded with several recommendations, the most important of which were:

  1. Adopting an integrated legal framework for sustainable development in Iraq to ensure the alignment of national policies and legislation with sustainable development requirements and objectives.
  2. Enacting a special law regulating real estate financing and addressing the legislative and regulatory shortcomings that limit the effectiveness of the Iraqi Real Estate Bank in fulfilling its developmental role.

  3. Establishing a comprehensive legal framework for regulating bank securitization operations, including the transfer of real estate debts into financial portfolios and the issuance of securities backed by such assets, while ensuring the protection of investors’ rights. This would contribute to providing additional liquidity for the Iraqi Real Estate Bank and enabling it to expand its lending activities.

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