@article{malakauskienė_lakštutienė_witkowska_2022, 
  title={FACTORS INFLUENCING NON-LIFE INSURANCE DEMAND: CASE OF LITHUANIA}, 
  volume={44}, 
  DOI={10.15544/mts.2022.25}, 
  publisher={Vytautas Magnus University}, 
  author={Malakauskienė, Karolina and Lakštutienė, Aušrinė and Witkowska, Justyna}, 
  year={2022}, 
  month={Oct}
  }