Yakean, S., K. Pangjai, K. Inta, T. Sleesongsm, P. Sirikaew, and W. Nojuk. “Factors Influencing Debt Creation of Generation Y People in Thawangthong Sub-District Municipality, Mueang Phayao District, Phayao Province”. Economics and Business Administration Journal Thaksin University, vol. 13, no. 1, June 2021, pp. 95-112, https://so01.tci-thaijo.org/index.php/ecbatsu/article/view/244743.