Saetao, Jaruwan, Sunisa Thathong, Surangkana Promvisate, and Nitaya Leenothai. 2024. “Factors Affecting Personal Financial Management Behaviors of Higher Education Students in Muak Lek District, Saraburi Province”. Journal of Rattana Bundit University 19 (1):31-44. https://so03.tci-thaijo.org/index.php/rbac/article/view/274517.