7Asli Demirguc-Kunt and Harry H uizinga,"Determinants of commercial bank interest margins and profitability:some international evidence"[J],World Bank Economic Review,1999
8Ruby Randall," Interest rate spreads in eastern Caribbean"[J],IMF working paper,1998,P15-P22
9J1.Jend.Sudirman.cost of intermediation in Indonesia:a Roeha's approach[J].Economic Review,August 2001
10[3]Asli Demirguc-Kunt and Harry Huizinga,"Determinants of commercial bank interest margins and profiability:some international evidence" [J],World Bank Economic Review,1999