Bui, Huu Toan, and Ngoc Thang Le. “Access to Credit for Vulnerable People: An Emerging Market Investigation”. International Journal of Innovative Research and Scientific Studies 8, no. 3 (May 15, 2025): 2640–2647. Accessed December 9, 2025. http://www.ijirss.com/index.php/ijirss/article/view/7062.