Sowawattanakul, P., & Sukphisal, B. (2026). Structural Characteristics and Operational Patterns of Savings Cooperatives in Thailand: A Multivariate Analysis Approach . Applied Economics, Management and Social Sciences, 3(2), 1–24. สืบค้น จาก https://so15.tci-thaijo.org/index.php/A_EMS/article/view/3517