Gaya APA

Jurnal of Business and Banking (IV.1-2014). (2014). Surabaya: PPPM STIE Perbanas Surabaya.

Gaya MLA

Jurnal of Business and Banking (IV.1-2014). Vol. 4 No 1 , May 2014. Surabaya: PPPM STIE Perbanas Surabaya, 2014. Text.