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<xml><bibliography><APA>Surendar Gade และ Subramanya Sarma. (2018) Does Financial Literacy Influence Financial Planning?  A Study among Rural and Urban Households. Rangsit University:ม.ป.ท.</APA><Chicago>Surendar Gade และ Subramanya Sarma. 2018. Does Financial Literacy Influence Financial Planning?  A Study among Rural and Urban Households. ม.ป.ท.:Rangsit University;</Chicago><MLA>Surendar Gade และ Subramanya Sarma.  Does Financial Literacy Influence Financial Planning?  A Study among Rural and Urban Households.  ม.ป.ท.:Rangsit University, 2018. Print.</MLA></bibliography></xml>
