Phan , Thanh Tam, and Phi Nga Luu. “Factors Influencing the Intention to Buy Microinsurance: A Case Study of Low-Income Customers in Ho Chi Minh City”. Journal of Finance - Marketing Research 4, no. 2 (March 25, 2024): 124–137. Accessed December 15, 2025. https://jfm.edu.vn/index.php/jfme/article/view/797.