Zholdasbekova, Gulbakhyt, Bayan Kupeshova, and Murat Isabayev. “Analysis of the Impact of Socio-Economic Factors on Household Credit Behavior”. BUKETOV BUSINESS REVIEW 12030, no. 4 (December 30, 2025): 4–13. Accessed January 14, 2026. https://bbr.buketov.edu.kz/economy-vestnik/article/view/1211.