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| Thuy Phuong Tran |
| University of Economics – Technology for Industries (UNETI) |
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| No. 353 Tran Hung Dao Street |
| Nam Dinh Ward |
| Ninh Binh Province, Vietnam |
| Nam Dinh Ward, Ninh Binh 07131 |
| Vietnam |
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| tpthuy@uneti.edu.vn |
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JEL Areas:
D1 : Household Behavior: General
G2 : Financial Institutions and Services: General |
