Παραπομπή σε μορφή APA (7η εκδ.)

Ahmed, M. F., & Hossain, S. (2012). The process of SMS loan and repayment behavior of customers: BRAC Bank Limited. BRAC University.

Παραπομπή σε μορφή Chicago (17η εκδ.)

Ahmed, Md. Foysal, και Saif  Hossain. The Process of SMS Loan and Repayment Behavior of Customers: BRAC Bank Limited. BRAC University, 2012.

Παραπομπή σε μορφή MLA (8th εκδ.)

Ahmed, Md. Foysal, και Saif  Hossain. The Process of SMS Loan and Repayment Behavior of Customers: BRAC Bank Limited. BRAC University, 2012.