Nawgroad B, Kerdprathum P. Development of Financial Innovations in the Management of State Enterprise Savings Co-Operatives in Thailand. Ph.D. in Soc. Sci. J. [internet]. 2024 Aug. 26 [cited 2026 Sep. 11];14(2):305-18. available from: https://so05.tci-thaijo.org/index.php/phdssj/article/view/268020