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. [Mandaluyong City]: Asian Development Bank, 2003.

MLA aipamena

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