“ADVANCED FOREIGN EXPERIENCES OF USING CREDIT FUNDS TO IMPROVE THE WELL-BEING OF THE POPULATION”, TSRU, vol. 3, no. 10, pp. 75–79, Oct. 2025, Accessed: May 18, 2026. [Online]. Available: https://universalpublishings.com/~niverta1/index.php/tsru/article/view/13957