APA   Click to copy
Afzali, M. U., Bustos, J. V. C., & Kemp, S. (2020). Perception of financial satisfaction and its implications for free first-year education in New Zealand university students. New Zealand Journal of Psychology, 49(2), 4–14.

Chicago/Turabian   Click to copy
Afzali, M. Usman, Julie Viviana Cedeño Bustos, and Simon Kemp. “Perception of Financial Satisfaction and Its Implications for Free First-Year Education in New Zealand University Students.” New Zealand Journal of Psychology 49, no. 2 (November 2020): 4–14.

MLA   Click to copy
Afzali, M. Usman, et al. “Perception of Financial Satisfaction and Its Implications for Free First-Year Education in New Zealand University Students.” New Zealand Journal of Psychology, vol. 49, no. 2, Nov. 2020, pp. 4–14.

@article{afzali2020a,
  title = {Perception of financial satisfaction and its implications for free first-year education in New Zealand university students},
  year = {2020},
  month = nov,
  issue = {2},
  journal = {New Zealand Journal of Psychology},
  pages = {4-14},
  volume = {49},
  author = {Afzali, M. Usman and Bustos, Julie Viviana Cedeño and Kemp, Simon},
  month_numeric = {11}
}