Subedi, Phul Prasad, Bhumiswor Sharma, and Sita Bhandari. 2025. “From Financial Literacy to Saving Behavior: The Psychological Mediation of Financial Attitude Among Students”. SOMTU Journal of Business and Management Research 3 (1):67-82. https://doi.org/10.3126/sjbmr.v3i1.91063.