Dhammasaccakarn, Wanchai, and Pornpichet Hanghon. 2018. “The Process of Transforming the Community Fund into a Village Bank in Songkhla Province: Past and Present Lessons for the Future”. WMS Journal of Management 7 (Special):74-88. https://so06.tci-thaijo.org/index.php/wms/article/view/135689.