Sajan, Divya. “A Study on The Awareness of Benefits, Perceptions of Borrowers to Problems in Finance, and Utilisation of Microfinance”. International Journal of Social Sciences and Management 8, no. 1 (January 25, 2021): 312–319. Accessed November 21, 2024. https://nepjol.info./index.php/IJSSM/article/view/32960.