Kapil Deb Subedi, and Anoj Joshi. “Factors Influencing Customers’ Borrowing Decisions in Commercial Banks”. Nepalese Journal of Management Research 5, no. 1 (February 27, 2025): 47–56. Accessed March 10, 2025. https://nepjol.info./index.php/njmgtres/article/view/75871.