Hakuduwal, Kishor, and Prakash Nayabhari. “Technical Efficiency of Microfinance Institutions in Nepal: A Stochastic Frontier Approach”. Swarnadwar 5, no. 1 (September 1, 2025): 21–44. Accessed December 7, 2025. https://www.nepjol.info/index.php/swarnadwar/article/view/83546.