APA način citiranja (7. izdanje)

Nkurunziza, J. (2005). Reputation and credit without collateral in Africa's formal banking. CSAE (University of Oxford).

Čikaški stil citiranja (17. izdanje)

Nkurunziza, J. Reputation and Credit Without Collateral in Africa's Formal Banking. CSAE (University of Oxford), 2005.

MLA način citiranja (9. izdanje)

Nkurunziza, J. Reputation and Credit Without Collateral in Africa's Formal Banking. CSAE (University of Oxford), 2005.