Dess Mardan Basnet, et al. “Determining Personality Traits, Organizational Commitment and Self-Efficacy of Saving and Credit Co-Operative Societies (SACCOS) Employees of Kathmandu, Nepal ”. Current Topics on Business, Economics and Finance Vol. 3, Mar. 2023, pp. 69-98, doi:10.9734/bpi/ctbef/v3/9658F.