Gyawali, Samjhana, et al. “Saving Behavior Factors Among Working Students in Kathmandu Valley Amid the COVID-19 Pandemic”. Interdisciplinary Journal of Innovation in Nepalese Academia, vol. 3, no. 1, Oct. 2024, pp. 53-77, https://nepjol.info/index.php/idjina/article/view/70277.