“HOW LOAN ACCESSIBILITY EFFECTS ON LOAN OUTCOMES THROUGH MEDIATION EFFECT OF FINANCIAL LITERACY AND MODERATION EFFECT OF SOCIAL CUSTOMS. A CASE STUDY OF HYDERABAD, PAKISTAN” (2026) Center for Management Science Research, 4(3), pp. 727–739. Available at: https://www.cmsrjournal.com/index.php/Journal/article/view/882 (Accessed: 15 November 2026).