"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), ص 106–125. موجود في: https://ecournal.uomustansiriyah.edu.iq/index.php/ecournal/article/view/700 (تاريخ الوصول: 4 يونيو 2026).