Al-HusainyN. H. M., JadahH. M., OgailiS. H., AlkhafajiS. H., AbdullahH. A., and Al-ZeyadiM. Z. H. “Internal and External Determinants of Credit Risk: Empirical Evidence from Iraqi Commercial Banks”. Journal of Corporate Finance Research / Корпоративные Финансы | ISSN: 2073-0438, Vol. 20, no. 2, July 2026, pp. 93-107, doi:10.17323/j.jcfr.2073-0438.20.2.2026.93-107.