Bashir, S. ., A. . Nawaz, and S. N. . Ayesha. “Financial Inclusion Profile: Socio-Economic Determinants, Barriers, and the Reasons for Saving and Borrowing in Pakistan”. International Journal of Asian Social Science, vol. 12, no. 10, Sept. 2022, pp. 449-62, doi:10.55493/5007.v12i10.4622.