Niamatullah Hayat, Niamatullah Hayat, Irfan Ullah Stanakzai, J. Hussain, and Nasir Khan Jamal, “Determinants of Household Saving: A Case Study of Kabul Afghanistan”, IJSBAR, vol. 69, no. 1, pp. 272–291, Aug. 2023, Accessed: Sep. 13, 2025. [Online]. Available: https://gssrr.org/JournalOfBasicAndApplied/article/view/15503