Choungprayoon, Tanunpol, and Achakorn Wongpreedee. “Thailand’s Financial Literacy and Informal Debt Formation in 2016”. Journal of Politics and Governance 13, no. 2 (August 27, 2023): 20–37. accessed September 11, 2026. https://so03.tci-thaijo.org/index.php/jopag/article/view/264884.