Sanaa Hasan Hilo, Khelood A. Mkalaf, Rami Hikmat Al-Hadeethi. The Relationship between Financial Flexibility and Banking Efficiency: Application Study at Iraqi Private Banks . TJMS [Internet]. 2024 Jun. 30 [cited 2025 Apr. 3];1(1):29-40. Available from: https://tjms.mtu.edu.iq/tjms/index.php/home/article/view/7