Dhakal, Krishna, Kiran Khanal, Niranjan Devkota, and Udaya Raj Paudel. 2023. “Bankers’ Perspective on Challenges of Bad Debt Recovery: Empirical Evidence from Commercial Banks of Nepal”. Journal of Business and Social Sciences Research 8 (1):51-72. https://doi.org/10.3126/jbssr.v8i1.56586.