00708     2200229   4500001002100000005001700021008004100038035002500079082000800104090001800112100001700130245013000147260004100277300002300318440002900341500003000370650001300400700001900413700001600432850001200448990001800460YOGYA-0209000000786120150414092911.0                                   ind    a0010-020900000007861  a332  aRT 332bAsh T  aASHRAF, Nava  aTesting savings product innovations using an experimental methodology, November 2003cNova Ashraf, Dean S. Karlan, Wesley Yin  aManilabAsian Development Bankc2003  avii, 45 hlmc28 cm  aERD Technical note no. 8  aBibliografi : hlm. 34 -35  aMenabung  aKarlan, Dean S  aYin, Wesley  aYOPDYOG  a833-BPAD/A.04