“Adopting the Principles of E-Government to Improve Loan Collection Procedures - an Empirical Study in the Iraqi Housing Fund”. Journal of Al-Rafidain University College For Sciences ( Print ISSN: 1681-6870 ,Online ISSN: 2790-2293 ) 49, no. 2 (September 19, 2021): 73–87. Accessed October 23, 2025. https://jrucs.iq/index.php/JAUCS/article/view/15.