Faidhullah, hussain Tofik, and kazhaw Qadr Ibrahim Shexa. “Banking Mergers and Acquisitions and Their Impact on creditors’ Rights: (Comparative Analytical Study)”. The Scientific Journal of Cihan University– Sulaimaniya 5, no. 1 (May 10, 2021): 89-106. Accessed February 12, 2026. https://journal.sulicihan.edu.krd/index.php/sjcus/article/view/57.