Hussein Al-Mzwry, Hussein Ahmed. “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 2, no. 1 (January 31, 2016): 296–319. Accessed November 21, 2024. https://journals.uhd.edu.iq/index.php/juhd/article/view/590.