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<xml><bibliography><APA>Niwaan Ponpunthin. (2020) Factors Affecting Saving Adequacy of Thai Non-Agricultural Workers. &lt;i&gt;Southeast Asian Journal of Economics&lt;/i&gt;, &lt;i&gt;8&lt;/i&gt;(2), 109-127.</APA><Chicago>Niwaan Ponpunthin. "Factors Affecting Saving Adequacy of Thai Non-Agricultural Workers". Southeast Asian Journal of Economics  8 (2020):109-127.</Chicago><MLA>Niwaan Ponpunthin. Factors Affecting Saving Adequacy of Thai Non-Agricultural Workers. Faculty of Economics, Chulalongkorn University:ม.ป.ท. 2020.</MLA></bibliography></xml>
