Cita APA (7th ed.)

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

Cita Chicago (17th ed.)

Ashraf, Nava, Dean S. Karlan, i Wesley Yin. Testing Savings Product Innovations Using an Experimental Methodology. [Mandaluyong City]: Asian Development Bank, 2003.

Cita MLA (9th ed.)

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