HUSSEIN AL-MZWRY, H. A. The Roles of Customer’s Capital As Human Resource Achieving The Universal Banking: A survey study of samples of employed at the banks of Duhok province. Journal of University of Human Development, [S. l.], v. 2, n. 1, p. 296–319, 2016. DOI: 10.21928/juhd.v2n1y2016.pp296-319. Disponível em: https://journals.uhd.edu.iq/index.php/juhd/article/view/590. Acesso em: 3 may. 2024.