@article{
  author = {Afshar Kazemi, Mohammad Ali, Afsharkazemi, Mohammadali, Toloei Eshlaghy , Abbas, Asgharizadeh, Ezattollah},
  title = {Improvement payment loan concerning financial discipline and maximum gain in uncertainly},
  journal = {Modiriat-e- farda},
  year = {2024},
  volume = {23},
  number = {78},
  pages = {93-114},
  doi = {}
}