Gusmanova, Z. ., and Kurmanalina А. . “Development of Consumer Lending in the Republic of Kazakhstan: Negative and Positive Aspects”. ECONOMIC Series of the Bulletin of the L N Gumilyov ENU, no. 1, Jan. 2023, pp. 118-2, https://bulecon.enu.kz/index.php/main/article/view/131.