Munshi, Muhammad Saad, Ali Akber, and Jawwad Khan. “Financial Literacy and Factors Affecting Investment Behavior”. Journal of Business Administration and Management Sciences (JOBAMS) 6, no. 1 (June 30, 2024): 26-38. Accessed February 2, 2026. https://www.jobams.smiu.edu.pk/index.php/jobams/article/view/125.