Asst. Lecturer Mustafa Mohammed Talib, Asst. Lecturer Sarah F. Altalaqani and Dr. Ali Hamza Jiyad (2026) “Financial Inclusion in Iraq Between the Challenges of Reality and the Foundations of Structural Change”, Journal of Management and Economics, 6(07), pp. 7–17. doi: 10.55640/jme-06-07-02.