Phounnaly, phayvanh, MANYVANG, K. and BOUNPHONG , X. 2026. Factors Affecting Debt Default on Poverty Alleviation Loan of Nayoby Bank: The Case Study of Pha Udom District Service Unit of the Nayoby Bank, Luang Namtha Branch. Souphanouvong University Journal Multidisciplinary Research and Development . 12, 01 (Jan. 2026), 40–49. DOI:https://doi.org/10.69692/SUJMRD1240.