K. Magtanaroong, P. Magtanaroong, K. Jakor, and P. Suwannawach, “The 5Cs framework and entrepreneurial intention: The role of credit management understanding in Thailand”, EBER, vol. 14, no. 3, pp. 127–143, Sep. 2026, doi: 10.15678/EBER.2026.140307.