Cita APA (7th ed.)

Ashraf, N., Gons, N., Karlan, D. S., & Yin, W. (2003). A review of commitment savings products in developing countries. Asian Development Bank.

Cita Chicago (17th ed.)

Ashraf, Nava, Nathalie Gons, Dean S. Karlan, i Wesley Yin. A Review of Commitment Savings Products in Developing Countries. Manila: Asian Development Bank, 2003.

Cita MLA (9th ed.)

Ashraf, Nava, et al. A Review of Commitment Savings Products in Developing Countries. Asian Development Bank, 2003.