Gaya APA

Journal of Business and Banking (IV.2-2014). (2014). Surabaya: PPPM STIE Perbanas Surabaya.

Gaya MLA

Journal of Business and Banking (IV.2-2014). Vol 4 No 02, November 2014. Surabaya: PPPM STIE Perbanas Surabaya, 2014. Text.