Roy Mabruri, Finny Ligery, and Agus Setiawan. “SERVICE QUALITY AND RELIGIOSITY AS DETERMINANTS OF SAVING DECISIONS IN ISLAMIC MICROFINANCE INSTITUTIONS”. Jurnal Dinamika Ekonomi Syariah 13, no. 2 (April 15, 2026): 276 - 289. Accessed September 30, 2026. https://ejurnal.iaipd-nganjuk.ac.id/index.php/es/article/view/2335.