Gongkhonkwa, G., Chindatham, S., Tonrap, W., & Palawong, N. (2021). Causal Factors in Personal Debt Management among the Working Aged in Mueang District, Phayao Province: During the COVID-19 Pandemic. MBA-KKU Journal, 14(1), 41–71. retrieved from https://so04.tci-thaijo.org/index.php/mbakkujournal/article/view/250288