Cita APA (7th ed.)

Koskela, E., & Paunio, J. J. (1992). Savings behavior: Theory, international evidence, and policy implications. Blackwell.

Cita Chicago (17th ed.)

Koskela, Erkki, i J. J. Paunio. Savings Behavior: Theory, International Evidence, and Policy Implications. Oxford: Blackwell, 1992.

Cita MLA (9th ed.)

Koskela, Erkki, i J. J. Paunio. Savings Behavior: Theory, International Evidence, and Policy Implications. Blackwell, 1992.