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<xml><bibliography><APA>Hina Affandi และผู้แต่งคนอื่นๆ. (2020) SHADOW ECONOMY, OUTREACH OF FINANCIAL INSTITUTIONS AND FINANCIAL INCLUSION: A STUDY OF BALKAN COUNTRIES. &lt;i&gt;International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies&lt;/i&gt;, &lt;i&gt;11&lt;/i&gt;(1), 11A01R.</APA><Chicago>Hina Affandi และผู้แต่งคนอื่นๆ. "SHADOW ECONOMY, OUTREACH OF FINANCIAL INSTITUTIONS AND FINANCIAL INCLUSION: A STUDY OF BALKAN COUNTRIES". International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies  11 (2020):11A01R.</Chicago><MLA>Hina Affandi และผู้แต่งคนอื่นๆ. SHADOW ECONOMY, OUTREACH OF FINANCIAL INSTITUTIONS AND FINANCIAL INCLUSION: A STUDY OF BALKAN COUNTRIES. TuEngr Group:ม.ป.ท. 2020.</MLA></bibliography></xml>
