APA 7th Guidelines

APA (American Psychological Association) 7th edition style is a standardized format used in academic writing to cite sources and create reference lists. It ensures that authors properly credit original sources and allows readers to locate those sources easily.

1. In-Text Citation (Author, Year)
In APA 7th style, the standard in-text citation format is:
Format:
(Author, Year)
Example:
Financial literacy improves business performance (Smith, 2020).

2. Reference List
The reference list contains complete details of all sources cited in the text.

A. Journal Article
Reference Format:
Author, A. A. (Year). Title of article. Journal Name, Volume(Issue), pages. DOI or URL

Example:
Smith, J. A. (2020). Financial literacy and business performance. Journal of Business Research, 12(3), 45–60. https://doi.org/10.1016/j.jbusres.2020.01.001

B. Book
Reference Format:
Author, A. A. (Year). Title of book. Publisher.

Example:
Brown, T. R. (2019). Business management fundamentals. Pearson.

C. Website
Reference Format:
Author, A. A. (Year). Title of page. Website Name. URL

Example:
World Bank. (2021). Financial inclusion overview. World Bank. https://www.worldbank.org

D. Thesis or Dissertation
Reference Format:
Author, A. A. (Year). Title of thesis (Thesis type). University Name. URL

Example:
Anderson, P. (2022). Financial literacy among MSMEs (Master’s thesis). University of Melbourne.

E. Conference Paper
Reference Format:
Author, A. A. (Year). Title of paper. In Editor (Ed.), Conference name (pages). Publisher.

Example:
Johnson, R. (2020). MSME sustainability strategies. In Proceedings of the International Business Conference (pp. 55–65). Springer.

F. Government Report
Reference Format:
Organization Name. (Year). Title of report. Publisher.

Example:
Ministry of Finance. (2021). MSME development report. Government of Indonesia.

G. Multiple Authors
Reference Format:
Author, A. A., & Author, B. B. (Year). Title. Journal Name, volume(issue), pages.

Example:
Smith, J. A., & Lee, R. (2020). Financial inclusion and MSME growth. Economic Journal, 10(2), 100–115.

H. Three or More Authors
Reference Format:
Author, A. A., Author, B. B., & Author, C. C. (Year). Title. Journal Name, volume(issue), pages.

Example:
Smith, J. A., Lee, R., & Brown, T. (2021). Financial literacy and sustainability. Journal of Economics, 15(1), 50–70.