KHOUNKHAM , S., CHANTHAVONE , T., PHOUNNALY, phaivanh and VATTHANA, M. 2020. Staff’s Perspectives of Credit Department toward Debt Restructuring Policy, Bank of Lao. PDR. Case study: Commercial Banks in Luang Prabang. Souphanouvong University Journal Multidisciplinary Research and Development . 6, 3 (Dec. 2020), 1363–1372.