Khaleel, A. A., N. S. Alramadan, and S. H. Neamah. “The Relationship Between Banking Desertification and Poverty Rates: Iraq As a Case Study”. European Journal of Science, Innovation and Technology, Vol. 4, no. 6, Jan. 2025, pp. 125-33, https://ejsit-journal.com/index.php/ejsit/article/view/584.