Gaya APA

Sembel, Roy, Muhamad Ichsan, Parpudi Lubis, Rayendra L. Toruan (Ed.). (2003). Smart saving and borrowing for ordinary family . Jakarta: Gramedia.

Gaya Chicago

Sembel, Roy, Muhamad Ichsan, Parpudi Lubis, Rayendra L. Toruan (Ed.). Smart saving and borrowing for ordinary family. Jakarta: Gramedia, 2003. Text.

Gaya MLA

Sembel, Roy, Muhamad Ichsan, Parpudi Lubis, Rayendra L. Toruan (Ed.). Smart saving and borrowing for ordinary family. Jakarta: Gramedia, 2003. Text.

Gaya Turabian

Sembel, Roy, Muhamad Ichsan, Parpudi Lubis, Rayendra L. Toruan (Ed.). Smart saving and borrowing for ordinary family. Jakarta: Gramedia, 2003. Print.