W. . Akram, N. Akram, and N. Choudhary, “Skill Mismatch and Professional Distress: A Study of Panchayat Account Clerical Employees in Jammu and Kashmir”, SIJSS, vol. 24, no. 3, pp. 111–116, Jun. 2026, doi: 10.62656/SIJSS.v24i3.2436.