Anwar, M. M., Qasim, S. S. and Abubaker, H. T. (2022) “Analyzing the role of Commerci al Banks’ policies in promoting savings: An applied study of a sample of commercial banks operating in Erbil 2021”, Tikrit Journal of Administrative and Economic Sciences, 18(57, 3), pp. 413–431. doi: 10.25130/tjaes.18.57.3.25.