Gaya APA

Sugiarto, A. et al (2022). the shocks of climate change on bank loans (Vol. 25/ 2022). Jakarta: Departemen Riset Sektor Jasa Keuangan.

Gaya MLA

Sugiarto, Agus. et al. "the shocks of climate change on bank loans". Vol. 25/ 2022 Jakarta: Departemen Riset Sektor Jasa Keuangan, 2022. Art Original.