APA aipamena

Ashraf, N., Karlan, D. S., & Yin, W. (2003). Testing savings product innovations using an experimental methodology. Asian Development Bank.

Chicago Style aipamena

Ashraf, Nava, Dean S. Karlan, and Wesley Yin. Testing Savings Product Innovations Using an Experimental Methodology. Manila: Asian Development Bank, 2003.

MLA aipamena

Ashraf, Nava, et al. Testing Savings Product Innovations Using an Experimental Methodology. Asian Development Bank, 2003.