Bhandari, Avishek, and Nrip Bahandur Kunwar. “SME Financing Constraints: Evidence from Survey of Retail Firms in Nepal”. Nepalese Journal of Management Science and Research 9, no. 1 (March 31, 2026): 130–155. Accessed April 11, 2026. https://nepjol.info/index.php/njmsr/article/view/92284.