Sigdel, Kamal, and Kirti Deswal. “Credit Risk Management and Profitability of Nepalese Commercial Banks”. NPRC Journal of Multidisciplinary Research 1, no. 2 July (September 3, 2024): 68–82. Accessed December 7, 2025. https://www.nepjol.info/index.php/nprcjmr/article/view/69294.