APA-referens (7:e uppl.)

Clarke, G. R. G., Cull, R. J., & Martinez Peri, M. S. (2001). Does foreign bank penetration reduce access to credit in developing countries: Evidence from asking borrowers. World Bank.

Chicago-referens (17:e uppl.)

Clarke, George R. G., Robert J. Cull, och Maria Soledad Martinez Peri. Does Foreign Bank Penetration Reduce Access to Credit in Developing Countries: Evidence from Asking Borrowers. Washington, D.C: World Bank, 2001.

MLA-referens (9:e uppl.)

Clarke, George R. G., et al. Does Foreign Bank Penetration Reduce Access to Credit in Developing Countries: Evidence from Asking Borrowers. World Bank, 2001.