00516naa#a2200169#i#450# EN\\bibl\23531 20240616015030.7 2500-3372 20161125b2016####ek#y0engy0150####ca RU CREDIT CONSUMER BEHAVIOR: EVIDENCE AND THE INFLUENCE OF SOCIAL FACTORS Journal article Kemerovo Kemerovo State University 2016 5 с. Journal article local Gadzhigasanova Nаide S. Dudina Irada M. vestnik-pses.kemsu.ru