SISOMEPHONE, S. Factors Affecting the Decision of Customers’ Decision to Use the Credit Services of Maruhan Japan Bank Lao Ltd, Luang Prabang Service Unit. Souphanouvong University Journal Multidisciplinary Research and Development , [S. l.], v. 11, n. 03, p. 172–178, 2025. DOI: 10.69692/SUJMRD1103172. Disponível em: http://www.su-journal.com/index.php/su/article/view/1189. Acesso em: 17 jan. 2026.