DR. VIVEK KUMAR; DR. SUMIRAN KUMAR RAJAK; DR. MANOJ MAHTO. Financial Planning Behaviour and Loan Dependency among Newly Appointed Government Employees in Uttar Pradesh. Enterprise Development and Microfinance, [S. l.], v. 36, n. 3, p. 502–516, 2026. DOI: 10.64149/edm.v36i3.1365. Disponível em: https://papjournals.com/index.php/edm/article/view/1365. Acesso em: 15 nov. 2026.