"The Role of the Elements of Total Quality Management in Improving Banking Services) Applied Study at Khaleeji Commercial Bank)" (2023) Al Kut Journal of Economics and Administrative Sciences, 15(49), ص 693–724. موجود في: https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/679 (تاريخ الوصول: 25 أكتوبر 2026).