ABDUL KARIM HADI AL-BALDAWI, A. P. D. A.; ABDULKAREEM ABD, O. A conceptual framework for the relationship of human capital in the selection and classification of insurable risks. Baghdad College of Economic Sciences University Journal (BCESUJ), [S. l.], v. 67, n. 1, p. 26–38, 2022. Disponível em: https://ojs.baghdadcollege.edu.iq/index.php/BCESUJ/article/view/96. Acesso em: 5 jun. 2026.