Sujaritjun, Kittitus, Kamalas Yaowanit, and Titus Mala. 2026. “A Comparative Analysis of Indebtedness Among Government Personnel: Case Study of Phra Intharacha Subdistrict Municipality, Bang Pa-In District, Phra Nakhon Si Ayutthaya Province”. Interdisciplinary Academic and Research Journal 6 (5). Maha Sara Kham, TH.:e295504. https://doi.org/10.60027/iarj.2026.e295504.