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<xml><bibliography><APA>Tanunpol Choungprayoon และ Achakorn Wongpreedee. (2022) Financial literacy and informal debt in Thailand. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Tanunpol Choungprayoon และ Achakorn Wongpreedee. 2022. Financial literacy and informal debt in Thailand. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Tanunpol Choungprayoon และ Achakorn Wongpreedee.  Financial literacy and informal debt in Thailand.  ม.ป.ท.:National Institute of Development Administration, 2022. Print.</MLA></bibliography></xml>
