Cytowanie według stylu APA (wyd. 7)

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

Cytowanie według stylu Chicago (wyd. 17)

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.

Cytowanie według stylu MLA (wyd. 8)

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