APA-viite (7. p.)

Kern, J. (1980). Cutting costs to the borrower in Indonesian rural credit programs. Pacific Architects and Engineers, Inc. ; Resources Management International, Inc..

Chicago-viite (17. p.)

Kern, James. Cutting Costs to the Borrower in Indonesian Rural Credit Programs. [Kebayoran Baru, Indonesia]: Pacific Architects and Engineers, Inc. ; Resources Management International, Inc., 1980.

MLA-viite (8. p.)

Kern, James. Cutting Costs to the Borrower in Indonesian Rural Credit Programs. Pacific Architects and Engineers, Inc. ; Resources Management International, Inc., 1980.