INSOMPHORN, T., C. YANGSANXAY, and bounthong PHONPHASITH. “The Impact of Covid-19 Pandemic on Customers’ Decision for Using Informal Loan Services: Evidence of Luangprabang Municipality: https://doi.Org/10.69692/SUJMRD0901205”. Souphanouvong University Journal Multidisciplinary Research and Development, vol. 9, no. 1, Mar. 2023, pp. 2010-7, http://www.su-journal.com/index.php/su/article/view/333.