Suraj Raj Bhandari and Vinitendra Pratap Singh (2025) “Assessing the Role of Microfinance Programs in Enhancing the Socio-Economic Empowerment of Rural Women in Karnali Pradesh, Nepal”, Surkhet Journal, 4(1), pp. 243–262. doi: 10.3126/surkhetj.v4i1.86238.