Prof.Dr. Waqar Ahmed Sand, Prof. Dr. Misbah Rahman and Prof.Dr. Shankar Lal (2025) “FINANCIAL LITERACY AND DIGITAL INCLUSION: BRIDGING THE KNOWLEDGE GAP IN PAKISTAN’S RURAL ECONOMY: A CASE STUDY OF RURAL SINDH (MIRPUR KHAS, UMERKOT, AND THARPARKAR)”, Journal of Management Science Research Review, 4(4), pp. 1658–1681. Available at: https://www.jmsrr.com/index.php/Journal/article/view/285 (Accessed: 24 December 2025).