APA (7th ed.) Citation

Herbert, A., & Kempson, E. (1996). Credit use and ethnic minorities / Alicia Herbert and Elaine Kempson. Policy Studies Institute.

Chicago Style (17th ed.) Citation

Herbert, Alicia, and Elaine Kempson. Credit Use and Ethnic Minorities / Alicia Herbert and Elaine Kempson. London: Policy Studies Institute, 1996.

MLA (9th ed.) Citation

Herbert, Alicia, and Elaine Kempson. Credit Use and Ethnic Minorities / Alicia Herbert and Elaine Kempson. Policy Studies Institute, 1996.

Warning: These citations may not always be 100% accurate.