นิลใบ ถวิล, Nongnut Intarawiset, and Thanyarat Thongphat. 2022. “The Effect of Household Socio-Economic Factors on Household Debt in Thailand”. Journal of Management Sciences Suratthani Rajabhat University 9 (1):115-38. https://so03.tci-thaijo.org/index.php/msj/article/view/254459.