Gaya APA

Journal of Business & Banking (II.2-2012). (2012). Surabaya, Jatim: PPPM STIE Perbanas Surabaya.

Gaya MLA

Journal of Business & Banking (II.2-2012). Vol. 2 No. 2, November 2012. Surabaya, Jatim: PPPM STIE Perbanas Surabaya, 2012. Text.