Gaya APA

RAFINDA, A. et al (2013). The trend and variation of intellectual capital disclosure at bank industries in Europe . Surabaya: PPPM STIE Perbanas.

Gaya MLA

RAFINDA, Ascaryan. et al. "The trend and variation of intellectual capital disclosure at bank industries in Europe". Surabaya: PPPM STIE Perbanas, 2013. Artikel.