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 [Internet]. 2026 May 9 [cited 2026 May 13];5(1):72-9. Available from: https://ijisem.com/journal/index.php/ijisem/article/view/529