Gaya APA

...[et.al], A., S. (2022). OJK working paper series volume 5, 2022 (volume 5, 2022). Jakarta: OJK Institute.

Gaya MLA

...[et.al], A., S.. OJK working paper series volume 5, 2022. volume 5, 2022 Jakarta: OJK Institute, 2022. Reference.