กลิ่นขจรชินสิริ ธ., T. . . Pongsupatt, and A. . . Pongsupatt. “FACTORS AFFECTING NON-PERFORMING LOANS (NPLs) OF COMMERCIAL BANKS LISTED ON THE STOCK EXCHANGE OF THAILAND”. Journal of Buddhist Education and Research, vol. 7, no. 3, Dec. 2021, pp. 45-61, https://so06.tci-thaijo.org/index.php/jber/article/view/248538.