Choudhary, Kapil, and Samriti Kamboj. “A Study of Financial Literacy and Its Determinants: Evidence from India”. Asian Journal of Accounting Perspectives 10, no. 1 (December 1, 2017): 52–72. Accessed March 13, 2025. https://vmis.um.edu.my/index.php/AJAP/article/view/11280.