Bashir, Saqib, Aamir Nawaz, and Sana Nigar Ayesha. “Financial Inclusion Profile: Socio-Economic Determinants, Barriers, and the Reasons for Saving and Borrowing in Pakistan”. International Journal of Asian Social Science 12, no. 10 (September 27, 2022): 449–462. Accessed November 23, 2024. https://archive.aessweb.com/index.php/5007/article/view/4622.