Gaya APA

Surjaningsih, N. et al (2018). Credit risk models for five major sectors in Indonesia (Vol. 20, No. 4/ April 2018). Jakarta: Bank Indonesia.

Gaya MLA

Surjaningsih, Ndari. et al. "Credit risk models for five major sectors in Indonesia". Vol. 20, No. 4/ April 2018 Jakarta: Bank Indonesia, 2018. Text.