CHAWSHEEN, Sarah A. Identifying the Significant Factors that Influence Teachers Families Consumption and Savings in Erbil Governorate. KOYA UNIVERSITY JOURNAL OF HUMANITIES AND SOCIAL SCIENCES, [S. l.], v. 9, n. 1, p. 535–546, 2026. DOI: 10.14500/kujhss.v9n1y2026.pp535-546. Disponível em: https://jhss.koyauniversity.org/index.php/jhss/article/view/1609. Acesso em: 23 may. 2026.