NASEEF, D. A. N. .; HARJAN, D. S. A. .; NASIF, S. sabbar . Factors Affecting Personal Financial Management Planning for Kirkuk City Government Employees- Case Study. Journal of Marketing and Emerging Economics, [S. l.], v. 2, n. 12, p. 39–54, 2022. Disponível em: https://openaccessjournals.eu/index.php/jmee/article/view/1745. Acesso em: 22 jul. 2024.