Upadhyaya, Yadav Mani, and Shiva Raj Ghimire. “Sectoral Differences in Insurance Penetration Drivers Across Emerging Asia: Evidence from Panel Regressions”. The International Research Journal of Management Science 10, no. 1 (December 31, 2025): 225–248. Accessed January 26, 2026. https://www.nepjol.info/index.php/irjms/article/view/87313.