แรงสูงเนิน ก. and ลานอุ่น อ. (2022) “Factors Influence Decision of Service Users for Credit for Countryside Development – Village and City Community Fund, a Case Study of Government Savings Bank, Nongkhai Branch”, Siam University Journal of Business Administration. Bangkok, Thailand, 16(26), pp. 61–73. available at: https://so07.tci-thaijo.org/index.php/sujba/article/view/905 (accessed: 21 September 2026).