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<xml><bibliography><APA>Wibowo และผู้แต่งคนอื่นๆ. (2019) Bank financial capability &amp; compliance on MSME lending amid economic change &amp; the growth of Fin-Tech Companies in Indonesia. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Wibowo และผู้แต่งคนอื่นๆ. 2019. Bank financial capability &amp; compliance on MSME lending amid economic change &amp; the growth of Fin-Tech Companies in Indonesia. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Wibowo และผู้แต่งคนอื่นๆ.  Bank financial capability &amp; compliance on MSME lending amid economic change &amp; the growth of Fin-Tech Companies in Indonesia.  ม.ป.ท.:National Institute of Development Administration, 2019. Print.</MLA></bibliography></xml>
