APA način citiranja (7. izdanje)
Lema, A. V. (2009). Challenges facing microfinance institutions in Tanzania: A case study of Moshi and Arusha. Daystar University.
Čikaški stil citiranja (17. izdanje)
Lema, Anna V. Challenges Facing Microfinance Institutions in Tanzania: A Case Study of Moshi and Arusha. Nairobi: Daystar University, 2009.
MLA način citiranja (9. izdanje)
Lema, Anna V. Challenges Facing Microfinance Institutions in Tanzania: A Case Study of Moshi and Arusha. Daystar University, 2009.
Upozorenje: Ovi citati možda nisu uvijek 100% točni.