@phdthesis{UNY1443,
            year = {2011},
          school = {UNY},
          author = {Ayulina Sugihar},
           title = {PERHITUNGAN PREMI TAHUNAN PADA ASURANSI JOINT LIFE DAN PENERAPANNYA},
           month = {November},
             url = {http://eprints.uny.ac.id/1443/}
}