Pokharel, Utsab, and Gaurab Wagle. “Factor Influencing Financial Management Behavior Among University Students in Kathmandu Valley”. The International Journal of Social Sciences World (TIJOSSW), vol. 7, no. 2, Sept. 2025, pp. 14-31, https://www.growingscholar.org/journal/index.php/TIJOSSW/article/view/461.