APA način citiranja (7. izdanje)

Abiad, V. G., Graham, D. H., & Cuevas, C. E. (1988). Borrower transaction costs and credit rationing in rural financial markets: The Philippine case. Central Bank of the Philippines.

Čikaški stil citiranja (17. izdanje)

Abiad, Virginia G., Douglas H. Graham, i Carlos E. Cuevas. Borrower Transaction Costs and Credit Rationing in Rural Financial Markets: The Philippine Case. Manila: Central Bank of the Philippines, 1988.

MLA način citiranja (9. izdanje)

Abiad, Virginia G., et al. Borrower Transaction Costs and Credit Rationing in Rural Financial Markets: The Philippine Case. Central Bank of the Philippines, 1988.