Dharmadasa, Champika, and MM Gunatilake. “Determinants of Household Credit Behavior of Low-Income Households in Sri Lanka”. Asian Economic and Financial Review 13, no. 10 (August 15, 2023): 715–726. Accessed November 22, 2024. https://archive.aessweb.com/index.php/5002/article/view/4851.