Nguyen Thanh Hiep, et al. “FACTORS AFFECTING THE ABILITY TO REFUND DEBTS OF NEAR-POOR HOUSEHOLDS LOANING AT THE SOCIAL POLICY BANK OF BINH DUONG PROVINCE”. HUIT Journal of Science, vol. 25, no. 4, Aug. 2025, pp. 150-6, doi:10.62985/j.huit_ojs.vol25.no4.339.