Naqvi, Farah Naz, Waqar Ali Athar Bukhari, Azaz Ali Athar Bukhari, and Amber Pervaiz. 2023. “Behind the Veil: Unveiling the Mysteries of Net Trade Credit Determinants in the Cement ‎Sector”. Dyal Singh Journal of Humanities & Social Sciences 1 (2): 20-31. https://dsjhss.gdscl.com.pk/index.php/dsjhss/article/view/4.