Abozaid, Narin I., and Ahmed Y. Aswad. “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, no. 4 (September 22, 2020): 24–39. Accessed March 29, 2024. https://journals.nawroz.edu.krd/index.php/ajnu/article/view/884.