Panta, Bishop. “Non-Performing Loans & Bank Profitability: Study of Joint Venture Banks in Nepal”. International Journal of Sciences: Basic and Applied Research (IJSBAR) 42, no. 1 (October 15, 2018): 151–165. Accessed September 11, 2025. https://gssrr.org/JournalOfBasicAndApplied/article/view/9343.