Arslan, O. And KARAN, M. B. 2010. Consumer Credit Risk Characteristics: Understanding Income and Expense Differentials. EMERGING MARKETS FINANCE AND TRADE , vol.46, no.2 , 20-37.

Arslan, O., & KARAN, M. B., (2010). Consumer Credit Risk Characteristics: Understanding Income and Expense Differentials. EMERGING MARKETS FINANCE AND TRADE , vol.46, no.2, 20-37.

Arslan, Oezguer, And MEHMET BAHA KARAN. "Consumer Credit Risk Characteristics: Understanding Income and Expense Differentials," EMERGING MARKETS FINANCE AND TRADE , vol.46, no.2, 20-37, 2010

Arslan, Oezguer And KARAN, MEHMET B. . "Consumer Credit Risk Characteristics: Understanding Income and Expense Differentials." EMERGING MARKETS FINANCE AND TRADE , vol.46, no.2, pp.20-37, 2010

Arslan, O. And KARAN, M. B. (2010) . "Consumer Credit Risk Characteristics: Understanding Income and Expense Differentials." EMERGING MARKETS FINANCE AND TRADE , vol.46, no.2, pp.20-37.

@article{article, author={Oezguer Arslan And author={MEHMET BAHA KARAN}, title={Consumer Credit Risk Characteristics: Understanding Income and Expense Differentials}, journal={EMERGING MARKETS FINANCE AND TRADE}, year=2010, pages={20-37} }