Gongkhonkwa, Guntpishcha. “The Causes of Formal Debt Default: The Case Study of Farmers in Phayao Province”. University of the Thai Chamber of Commerce Journal Humanities and Social Sciences 39, no. 1 (April 2, 2019): 1–21. accessed April 8, 2025. https://so06.tci-thaijo.org/index.php/utccjournalhs/article/view/181656.