Khanal, Rajiv. “Financial Literacy and the Sustainability of Rural SMEs in Nepal: Examining the Mediating Effects of Access to Finance and Risk Attitude”. NPRC Journal of Multidisciplinary Research 2, no. 12 (December 1, 2025): 81–112. Accessed January 25, 2026. https://nepjol.info/index.php/nprcjmr/article/view/86962.