Naseef, Dr. Ahmed Nawar, Dr. Sinan Andullah Harjan, and Saad sabbar nasif. “Factors Affecting Personal Financial Management Planning for Kirkuk City Government Employees- Case Study”. Journal of Marketing and Emerging Economics 2, no. 12 (December 28, 2022): 39–54. Accessed July 22, 2024. https://openaccessjournals.eu/index.php/jmee/article/view/1745.