@book{ BD0828916X,
 author = "Malik, Firdous Ahmad and Singh Sikarwar, Tarika",
 title = "The economics of financial inclusion",
 publisher = "Routledge",
 year = "2025",
 series = "Routledge studies in development economics",
 number = "196",
 URL = "https://ci.nii.ac.jp/ncid/BD0828916X"
}
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