Exploring the Reasons of Non-Banking Behavior in Small Business and Traders in KPK. Journal of Management & Social Science, [S. l.], v. 2, n. 3, p. 135–155, 2025. DOI: 10.63075/b12der30. Disponível em: https://www.rjmss.com/index.php/7/article/view/185. Acesso em: 3 aug. 2025.