Dangol, Jeetendra, and Anil Humagain. “Determinants of Financial Inclusion in Namobuddha Municipality, Nepal”. The International Research Journal of Management Science 5, no. 1 (March 21, 2021): 60–74. Accessed April 27, 2025. https://nepjol.info./index.php/irjms/article/view/35861.