Kiron, Md Asduzzaman, et al. “Healthcare Access and Expenditure Patterns: A Case Study on Financial Burden and Service Utilization in Binodpur, Rajshahi City, Bangladesh”. Ho Chi Minh City Open University Journal of Science - Social Sciences, vol. 16, no. 5, Sept. 2025, pp. 47-66, doi:10.46223/HCMCOUJS.soci.en.16.5.4165.2026.