A. Mohammad, Shivan. “Evaluation of the Financial Literacy Among Academic Staff: An Exploratory Survey from University of Duhok”. TANMIYAT AL-RAFIDAIN 44, no. 146 (June 1, 2025): 110–132. Accessed September 7, 2025. https://tanmiyat.uomosul.edu.iq/index.php/tanmiyat/article/view/29824.