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Impact of COVID-19 on Workforce Productivity: A Comparative Efficiency Analysis of Remote vs. On-Site Models in Health, Banking, and Insurance Sectors of Raipur, Chhattisgarh. IJFANS. 2024;13(4):1253-1261. Accessed July 16, 2026. https://ijfans.org/index.php/Journal/article/view/1671