Effect of Psychological Factors on Credit Risk: A Case Study of the Microlending Service in Mongolia by Mandukhai Ganbat, Erdenebileg Batbaatar, Ganzul Bazarragchaa, Togtuunaa Ider, Enkhjargalan Gantumur, Lkhamsuren Dashkhorol, Khosgarig Altantsatsralt, Mandakhbayar Nemekh, Erdenebaatar Dashdondog, Oyun-Erdene Namsrai

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