TY - JOUR AU - Afshar Kazemi, Mohammad Ali AU - Afsharkazemi, Mohammadali AU - Toloei Eshlaghy , Abbas AU - Asgharizadeh, Ezattollah TI - Improvement payment loan concerning financial discipline and maximum gain in uncertainly JO - Modiriat-e- farda VL - 23 IS - 78 SP - 93 EP - 114 PY - 2024 DO - ER -