Gusmanova, Zh., and Kurmanalina А. “Development of Consumer Lending in the Republic of Kazakhstan: Negative and Positive Aspects”. Economic series of the Bulletin of L.N. Gumilyov ENU, no. 1 (January 18, 2023): 118–128. Accessed January 13, 2026. https://bulecon.enu.kz/index.php/main/article/view/131.