SISOMEPHONE S. Factors Affecting the Decision of Customers’ Decision to Use the Credit Services of Maruhan Japan Bank Lao Ltd, Luang Prabang Service Unit. sujournal [Internet]. 2025 Aug. 18 [cited 2026 Jan. 17];11(03):172-8. Available from: http://www.su-journal.com/index.php/su/article/view/1189