<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Sergei Vasilievich Kruchinin และผู้แต่งคนอื่นๆ. (2020) STUDENTS' FINANCIAL LITERACY AND POLICIES FOR ITS DEVELOPMENT. &lt;i&gt;International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies&lt;/i&gt;, &lt;i&gt;11&lt;/i&gt;(6), 11A06P: 1-12.</APA><Chicago>Sergei Vasilievich Kruchinin และผู้แต่งคนอื่นๆ. "STUDENTS' FINANCIAL LITERACY AND POLICIES FOR ITS DEVELOPMENT". International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies  11 (2020):11A06P: 1-12.</Chicago><MLA>Sergei Vasilievich Kruchinin และผู้แต่งคนอื่นๆ. STUDENTS' FINANCIAL LITERACY AND POLICIES FOR ITS DEVELOPMENT. TuEngr.com:ม.ป.ท. 2020.</MLA></bibliography></xml>
