Amer Hammoud Hamad, and Abdul Razzaq Hamad Hussein. 2025. “Analysis of the Reality of Financial Policy Tools in Credit Risks: A Sample of Some Iraqi Banks for the Period 2013-2022”. Tikrit Journal of Administrative and Economic Sciences 21 (70, part 2):296-316. https://doi.org/10.25130/tjaes.21.70.2.16.