CHHETRI, Santosh; ADHIKARI, Gyan Mani; ADHIKARI, Prem Lal; ADHIKARI, Gyanendra. Beyond Gender: Urban-Rural Disparities in Financial Access among Nepali Households. The International Research Journal of Management Science, [S. l.], v. 10, n. 1, p. 1–16, 2025. DOI: 10.3126/irjms.v10i1.87242. Disponível em: https://www.nepjol.info/index.php/irjms/article/view/87242. Acesso em: 26 jan. 2026.