How to format your references using the Journal of Financial Intermediation citation style

This is a short guide how to format citations and the bibliography in a manuscript for Journal of Financial Intermediation. For a complete guide how to prepare your manuscript refer to the journal's instructions to authors.

Using reference management software

Typically you don't format your citations and bibliography by hand. The easiest way is to use a reference manager:

PaperpileThe citation style is built in and you can choose it in Settings > Citation Style or Paperpile > Citation Style in Google Docs.
EndNoteDownload the output style file
Mendeley, Zotero, Papers, and othersThe style is either built in or you can download a CSL file that is supported by most references management programs.
BibTeXBibTeX syles are usually part of a LaTeX template. Check the instructions to authors if the publisher offers a LaTeX template for this journal.

Journal articles

Those examples are references to articles in scholarly journals and how they are supposed to appear in your bibliography.

Not all journals organize their published articles in volumes and issues, so these fields are optional. Some electronic journals do not provide a page range, but instead list an article identifier. In a case like this it's safe to use the article identifier instead of the page range.

A journal article with 1 author
Berglund, J., 2011. Orthopaedics: Structural support. Nature 480, S56-7.
A journal article with 2 authors
Clancy, C.E., Xiang, Y.K., 2014. Biological techniques: Wrapped around the heart. Nature 507, 43–44.
A journal article with 3 authors
Chandra, P., Coleman, P., Flint, R., 2013. Hastatic order in the heavy-fermion compound URu2Si2. Nature 493, 621–626.
A journal article with 4 or more authors
Jagasia, R., Grote, P., Westermann, B., Conradt, B., 2005. DRP-1-mediated mitochondrial fragmentation during EGL-1-induced cell death in C. elegans. Nature 433, 754–760.

Books and book chapters

Here are examples of references for authored and edited books as well as book chapters.

An authored book
Mcphee, J.E., 2014. Mastering Strategic Risk. John Wiley & Sons, Inc., Hoboken, NJ.
An edited book
Squires, V., Hua, L., Li, G., Zhang, D. (Eds.), 2010. Towards Sustainable Use of Rangelands in North-West China. Springer Netherlands, Dordrecht.
A chapter in an edited book
Schreier, G., 2008. Data Policy And Management Issues For Integration Of Information: The Gmes Projects And Plans, in: Coskun, H.G., Cigizoglu, H.K., Maktav, M.D. (Eds.), Integration of Information for Environmental Security, NATO Science for Peace and Security Series C: Environmental Security. Springer Netherlands, Dordrecht, pp. 69–82.

Web sites

Sometimes references to web sites should appear directly in the text rather than in the bibliography. Refer to the Instructions to authors for Journal of Financial Intermediation.

Blog post
Luntz, S., 2014. Bedbug Trap On The Way [WWW Document]. IFLScience. URL (accessed 10.30.18).


This example shows the general structure used for government reports, technical reports, and scientific reports. If you can't locate the report number then it might be better to cite the report as a book. For reports it is usually not individual people that are credited as authors, but a governmental department or agency like "U. S. Food and Drug Administration" or "National Cancer Institute".

Government report
Government Accountability Office, 1980. Comments on H.R. 6228 (No. 112145). U.S. Government Printing Office, Washington, DC.

Theses and dissertations

Theses including Ph.D. dissertations, Master's theses or Bachelor theses follow the basic format outlined below.

Doctoral dissertation
Gjelaj Merturi, E., 2010. The Perceptions of Principal-Based Leadership Practices on Student Reading Achievement (Doctoral dissertation). University of Phoenix, Phoenix, AZ.

News paper articles

Unlike scholarly journals, news papers do not usually have a volume and issue number. Instead, the full date and page number is required for a correct reference.

New York Times article
Kenigsberg, B., 2017. Film Series. New York Times C22.

In-text citations

References should be cited in the text by name and year in parentheses:

This sentence cites one reference (Schindel, 2010).
This sentence cites two references (McCabe, 2000; Wang, 2014).

Here are examples of in-text citations with multiple authors:

  • Two authors: (Clancy and Xiang, 2014)
  • Three or more authors: (Anderson et al., 2008)

About the journal

Full journal titleJournal of Financial Intermediation
ISSN (print)1042-9573
ScopeEconomics and Econometrics

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