Mashkour, Saoud Jayed, Raad Naser Hanoon, and Abbas Jumaah Al-Waeli. 2025. “The Role of Bank Credit in Assessing Financial Risk and Predicting Financial Failure Using the Z-Score Model: Evidence from Iraqi Commercial Banks”. Journal of Finance and Accounting 9 (6):46-60. https://doi.org/10.53819/81018102t5403.