Subedi, Netra Prasad, and Karna Bahadur Basnet. “Effect of Demographic Characteristics on Locus of Control, Personality Type and Financial Risk Tolerance Among University Students in Pokhara”. Janapriya Journal of Interdisciplinary Studies 14, no. 1 (December 28, 2025): 87–108. Accessed December 28, 2025. https://nepjol.info/index.php/JJIS/article/view/87854.