DEVDEEP SIKDAR. A Critical Evaluation of the Financial Prudence and Crisis-Readiness of the Bihar Student Credit Card Scheme in Patna District: Implications for Sustainable Educational Financing and Long-Term Human Capital Development. International Journal of Innovations in Science, Engineering And Management, [S. l.], v. 5, n. 1, p. 72–79, 2026. DOI: 10.69968/ijisem.2026v5Si172-79. Disponível em: https://ijisem.com/journal/index.php/ijisem/article/view/529. Acesso em: 13 may. 2026.