Upadhyaya, Yadav Mani, Khom Raj Kharel, and Dhruba Kumar Budhathoki. 2025. “The Effects of Economic Consumption: The Nexus Between Macroeconomic Drivers and Financial Development”. Dhaulagiri Journal of Sociology and Anthropology 19 (1):15-26. https://doi.org/10.3126/dsaj.v19i1.80733.