Choungprayoon, T. and Wongpreedee, A. (2023) “Thailand’s Financial Literacy and Informal Debt Formation in 2016 ”, Journal of Politics and Governance. Mahasarahham, Thailand, 13(2), pp. 20–37. available at: https://so03.tci-thaijo.org/index.php/jopag/article/view/264884 (accessed: 13 September 2026).