[1]
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”, IJISEM, vol. 5, no. 1, pp. 72–79, May 2026, doi: 10.69968/ijisem.2026v5Si172-79.