Abozaid, Narin I., and Ahmed Y. Aswad. 2020. “The Influential Relationship of Financial Knowledge in the Formation of Financial Surplus An Exploratory Study of the Opinions of a Sample of Faculty and Staff at the College of Business and Economics - University of Duhok”. Academic Journal of Nawroz University 9 (4):24-39. https://doi.org/10.25007/ajnu.v9n4a884.