@misc{Gumola_Małgorzata_A,
 author={Gumola, Małgorzata},
 howpublished={online},
 publisher={Publishing House of the University of Economics in Katowice},
 language={eng},
 title={A new form of Polish occupational pension schemes: Prospects for development},
 type={czasopismo},
 keywords={pracownicze programy emerytalne, system emerytalny, trzeci filar},
}