Omar, R. A., Ismael , B. A. and Aziz, A. A. (2023) “ARDL Modelling of the Nexus between Bank Efficiency, Asset Management, Bank Assets and Solvency Risk among State-Owned and Privately Owned Islamic Banks in Kurdistan”, Polytechnic Journal of Humanities and Social Sciences, 4(1), pp. 53-60. doi: 10.25156/ptjhss.v4n1y2023.pp53-60.