APA Style

Zulverdi, D. et al (2004). The Bank Intermediary Function and Undisbursed Loans Phenomenon: Causes and Policy Implications . Jakarta: Bank Indonesia.

MLA Style

Zulverdi, Doddy. et al. "The Bank Intermediary Function and Undisbursed Loans Phenomenon: Causes and Policy Implications". Jakarta: Bank Indonesia, 2004. Text.