UPADHYAYA, Yadav Mani; GHIMIRE, Shiva Raj. Sectoral Differences in Insurance Penetration Drivers Across Emerging Asia: Evidence from Panel Regressions. The International Research Journal of Management Science, [S. l.], v. 10, n. 1, p. 225–248, 2025. DOI: 10.3126/irjms.v10i1.87313. Disponível em: https://www.nepjol.info/index.php/irjms/article/view/87313. Acesso em: 26 jan. 2026.