“The Creditworthiness of Customers and Its Impact on Bank Credit Granting Decisions : Applied Research in a Sample of Iraqi Private Commercial Banks”. Journal of Accounting and Financial Studies ( JAFS ) 18, no. 62 (April 6, 2023): 206–217. Accessed June 25, 2025. https://www.jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/1187.