angwichitr, K. S., R. . Kwanmuang, P. . Intara, and P. J. irathumrong. “The Effect of Financial Literacy on Thai Government Teachers and Education Personnel towards Debt Problems in Bangkok”. Journal of Management Science Chiangrai Rajabhat University, vol. 16, no. 1, June 2021, pp. 1-16, https://so03.tci-thaijo.org/index.php/jmscrru/article/view/215618.