Gautam, Ramesh Prasad. “Determinants of Saving and Investment Behavior of Rural People in Chaukune Rural Municipality, Surkhet District”. Journal of Nepalese Management and Research 5, no. 1 (December 31, 2023): 79–88. Accessed November 21, 2024. https://nepjol.info/index.php/jnmr/article/view/61384.