Bhatta, Dharma Dev. “Transforming Rural Economies: The Socioeconomic Impact of Microfinance in Kailali District, Nepal”. Journal of Durgalaxmi 3, no. 1 (December 31, 2024): 68–86. Accessed December 9, 2025. https://www.nepjol.info/index.php/jdl/article/view/73846.