Bhat, V. (1989). Financial innovation and credit market development. Office of the Vice President, Development Economics, World Bank.
Chicago Style (17. basım) AtıfBhat, V.V. Financial Innovation and Credit Market Development. [Washington, D.C.]: Office of the Vice President, Development Economics, World Bank, 1989.
MLA (9th ed.) AtıfBhat, V.V. Financial Innovation and Credit Market Development. Office of the Vice President, Development Economics, World Bank, 1989.
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