De Gregorio, J., & Kim, S. (1994). Credit Markets with Differences in Abilities: Education, Distribution, and Growth. International Monetary Fund.
توثيق أسلوب شيكاغو (الطبعة السابعة عشر)De Gregorio, Jose, و Se-Jik Kim. Credit Markets with Differences in Abilities: Education, Distribution, and Growth. Washington, D.C.: International Monetary Fund, 1994.
توثيق جمعية اللغة المعاصرة MLA (الطبعة الثامنة)De Gregorio, Jose, و Se-Jik Kim. Credit Markets with Differences in Abilities: Education, Distribution, and Growth. International Monetary Fund, 1994.
تحذير: قد لا تكون هذه الاستشهادات دائما دقيقة بنسبة 100%.