“Adopting the Principles of E-Government to Improve Loan Collection Procedures - an Empirical Study in the Iraqi Housing Fund” (2021) Journal of Al-Rafidain University College For Sciences ( Print ISSN: 1681-6870 ,Online ISSN: 2790-2293 ), 49(2), pp. 73–87. doi:10.55562/jrucs.v49i2.15.