Gaya APA
...[et.al], A, S. (2022).
OJK working paper series volume 5, 2022 (volume 5, 2022).
Jakarta:
OJK Institute.
Gaya MLA
...[et.al], Agus, Sugiarto.
"OJK working paper series volume 5, 2022".
volume 5, 2022
Jakarta:
OJK Institute,
2022.
Reference.