financial literacy and its impact on personal financial decisions : field research in a sample of Iraqi government banks. Journal of Accounting and Financial Studies ( JAFS ), [S. l.], v. 19, n. 66, p. 287–302, 2024. DOI: 10.34093/f6k3q158. Disponível em: https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/1429.. Acesso em: 26 dec. 2024.