TOWFEEQ ABDUL AMEER, Ameer; AHMED FARES, Ali. Financial literacy and its role in achieving strategic Financial managment: An analytical study of the opinions of a sample of managers and heads of departments in private commercial banks in the governorates of (Baghdad, Holy Karbala, and Babylon). Iraqi Journal for Administrative Sciences, كربلاء، جمهورية العراق, v. 19, n. 75, p. 165–189, 2024. DOI: 10.71207/ijas.v19i75.1854. Disponível em: https://mail.journals.uokerbala.edu.iq/index.php/ijas/article/view/1854. Acesso em: 18 apr. 2026.