ISMAEL, H. K.; TOFIQ, H. T. The Role of Administrative Intelligence in the Phases of Bank Credit Decision Making: An Exploratory Study of the Sample of Managers in a Number of Branches of Private Banks Operating in Duhok and Erbil. Journal of University of Human Development, [S. l.], v. 2, n. 1, p. 388–412, 2016. DOI: 10.21928/juhd.v2n1y2016.pp388-412. Disponível em: https://journals.uhd.edu.iq/index.php/juhd/article/view/594. Acesso em: 2 may. 2024.