SUNAR, Upendra. Deposits as a Tool for Effective Income Management: Evidence from Nepal. KVM Research Journal, [S. l.], v. 6, n. 1, p. 168–192, 2025. DOI: 10.3126/kvmrj.v6i1.84548. Disponível em: https://nepjol.info/index.php/kvmrj/article/view/84548. Acesso em: 9 dec. 2025.