Hariadi DSJ, Khusnudin K. Customer Decision Factors in Choosing Savings Products: Product, Service Quality, and Religiosity: Study of Bank Muamalat Customers, Malang City. jebe [Internet]. 2024 Dec. 12 [cited 2026 Oct. 7];18(2):544-56. Available from: https://jebe.stiepas.org/index.php/jebe/article/view/38