Abstract

The money saved by the means and mechanisms possible at the present time within the institutional system or the private sector has economic importance, and that money is not a hindrance to the real beneficial investment according to restrictions and limitations. It is organized through contracts according to which obligations arise on the shoulders of its parties in comparison to the effects of the saving contract itself, which represent great importance in the lives of individuals and societies, whether saving is through a deposit account or through the investment funds method through specialized institutions voluntarily or compulsorily, or it is individual through saving. Familial.In the scope of the research, we are exposed to linguistic and idiomatic concepts and then clarify everything related to contracts in which saving can be determined with a focus on the legal nature of it, and the study is in accordance with the provisions of Iraqi law in this field, specifically explaining the position of the Iraqi legislator on the saving contract, both in terms of processing and organization Compared to other legislations that dealt with the subject in particular, considering that the savings contract may be consensual or compulsory by a law or a decision of the government, it is in turn subject to the rules of legal protection, even if it originally provides future protection