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. (2022). المجلة العراقية للعلوم الاقتصادية, 20(73), 106-125. https://ecournal.uomustansiriyah.edu.iq/index.php/ecournal/article/view/700