Pokharel, Sunil. “Financial Literacy and SME Sustainability in Chitwan and Nawalparasi: A Mediation Analysis”. BMC Journal of Scientific Research 8, no. 1 (December 24, 2025): 99–111. Accessed December 26, 2025. https://www.nepjol.info/index.php/bmcjsr/article/view/87912.