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<xml><bibliography><APA>Siam Sakaew และ Amornrat Apinunmahakul. (2020) The impact of saving schemes on saving behaviour : evidence from Thailand. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Siam Sakaew และ Amornrat Apinunmahakul. 2020. The impact of saving schemes on saving behaviour : evidence from Thailand. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Siam Sakaew และ Amornrat Apinunmahakul.  The impact of saving schemes on saving behaviour : evidence from Thailand.  ม.ป.ท.:National Institute of Development Administration, 2020. Print.</MLA></bibliography></xml>
