na YOGYA-02090000007861 20150414092911.0 ind 0010-020900000007861 332 RT 332 Ash T ASHRAF, Nava Testing savings product innovations using an experimental methodology, November 2003 Nova Ashraf, Dean S. Karlan, Wesley Yin Manila Asian Development Bank 2003 vii, 45 hlm 28 cm ERD Technical note no. 8 Bibliografi : hlm. 34 -35 Menabung Karlan, Dean S Yin, Wesley YOPDYOG 833-BPAD/A.04