Joy, K. (1997). Personal finance of gazetted officers in Kerala. School of Management Studies, CUSAT.
Chicago Style aipamenaJoy, K.J. Personal Finance of Gazetted Officers in Kerala. Kochi: School of Management Studies, CUSAT, 1997.
MLA aipamenaJoy, K.J. Personal Finance of Gazetted Officers in Kerala. School of Management Studies, CUSAT, 1997.
Kontuz: berrikusi erreferentzia hauek erabili aurretik.