@book{97899,
	author = {Gardner, Mona J., and L. Mills., Dixie,},
	title = {Managing Financial Institutions:},
	publisher = {Dryden Press},
	year = {1994},
	address = {Fort Worth :},
	note = {BAHAN HADIAH SUMBANGAN DARIPADA DATUK DR. SHEIKH GHAZALI}
}