“Perception Regarding Determinants of Commercial Bank Interest Spread and Profitability : A Case Study of Daneshwor Secondary School, Baitadi”. Sudurpaschim Spectrum 3, no. 1-2 (February 24, 2026): 48–61. Accessed July 12, 2026. https://nepjol.info/index.php/sudurpaschim/article/view/90854.