Holzmann, Robert. "Bringing Financial Literacy and Education to Low- and Middle-Income Countries." Financial Literacy: Implications for Retirement Security and the Financial Marketplace. : Oxford University Press, 2011-10-27. Oxford Scholarship Online. 2012-01-19. Date Accessed 25 May. 2013 <http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199696819.001.0001/acprof-9780199696819-chapter-14>.
Holzmann, R.(2011-10-27). Bringing Financial Literacy and Education to Low- and Middle-Income Countries. In Financial Literacy: Implications for Retirement Security and the Financial Marketplace. : Oxford University Press. Retrieved 25 May. 2013, from http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199696819.001.0001/acprof-9780199696819-chapter-14.
Holzmann, Robert. "Bringing Financial Literacy and Education to Low- and Middle-Income Countries." In Financial Literacy: Implications for Retirement Security and the Financial Marketplace. : Oxford University Press, 2011-10-27. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199696819.001.0001/acprof-9780199696819-chapter-14.
Holzmann R. Bringing Financial Literacy and Education to Low- and Middle-Income Countries. In: Mitchell OS, Lusardi A. Financial Literacy: Implications for Retirement Security and the Financial Marketplace. Oxford University Press; 2011. http://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199696819.001.0001/acprof-9780199696819-chapter-14. Accessed May 25, 2013.