“The effect of salary Domiciliation in the rate of return on assets (ROA): Applied research of a sample of Iraqi banks” (2020) Journal of Accounting and Financial Studies ( JAFS ), 15(52), pp. 246–265. Available at: https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/946 (Accessed: 29 April 2024).