Faraz Khan and Asma Farooque 2026. Financial Literacy, Welfare Scheme Utilization, and Economic sustainability among Leather Industry Workers in Uttar Pradesh, India. International Journal of Computer Information Systems and Industrial Management Applications. 18, 22s (Sep. 2026), 2107–2120. DOI:https://doi.org/10.70917/ijcisim-2026-5485.