Analyzing Credit Risk Management in Commercial Banks: An Exploratory Research about the Opinions of a Sample of Managers and heads of departments in selected commercial banks in Erbil City (2021. Iraqi Journal Economic. 2022;20(73):106-125. تاريخ الوصول يونيو 4, 2026. https://ecournal.uomustansiriyah.edu.iq/index.php/ecournal/article/view/700