Pandey, Prem, and Ram Hari Timilsina. “Factors Affecting the Formal Agriculture Credit Access in Kailali District, Nepal”. Journal of Agriculture and Resource Management 1, no. 1 (September 1, 2024): 136–147. Accessed January 31, 2025. https://nepjol.info/index.php/jarm/article/view/74627.