นิลใบ ถ., Intarawiset, N. ., & Thongphat, T. (2022). The Effect of Household Socio-Economic Factors on Household Debt in Thailand. Journal of Management Sciences Suratthani Rajabhat University, 9(1), 115–138. Retrieved from https://so03.tci-thaijo.org/index.php/msj/article/view/254459