Thapa, Kavindra Bikram, and Navin Jha. “What Are the Factors That Influence Saving Behavior of University Students?”. Samriddhi Journal of Development Studies 8, no. 1 (December 31, 2022): 9–13. Accessed November 3, 2024. https://nepjol.info/index.php/SJDS/article/view/60979.