THE INFLUENCE OF SOCIALIZATION AND PROFESSIONALISM ON CUSTOMER DECISIONS TO USE HAJJ SAVINGS AT BANK SUMSEL BABEL SHARIA SUB-BRANCH UIN RADEN FATAH PALEMBANG
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Keywords: Customer Decision, Professionalism and Socialization
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Abstract view : 166 timesAbstract
As public awareness of these goods and services has increased, Islamic banks should have the ability to provide them. Socialization activities have the potential to increase public knowledge, improving public perception of Islamic banking. The perspective of employee professionalism is very important for the selection of Hajj savings products for the community. This study involved 97 customers of Bank Sumsel Babel Syariah Capem UIN Raden Fatah Palembang. The purpose of this study was to determine how professionalism and socialization affect customers' decisions to use Hajj savings. Validity, reliability, classical assumptions, and multiple linear regression analysis and hypotheses were tested on the initial questionnaire data. The result is that socialization and professionalism have a positive impact on consumer decisions.
Keywords: Customer Decision, Professionalism and Socialization
References
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Cornesse, C., Blom, A. G., Dutwin, D., Krosnick, J. A., De Leeuw, E. D., Legleye, S., Pasek, J., Pennay, D., Phillips, B., Sakshaug, J. W., Struminskaya, B., & Wenz, A. (2020). A review of conceptual approaches and empirical evidence on probability and nonprobability sample survey research. Journal of Survey Statistics and Methodology, 8(1), 4–36. https://doi.org/10.1093/jssam/smz041
Dewi, A. A. K., Samsudin, A., Hidayat, R., Sari, D., Destrina, I., Cornelia, M., Netanya, S. A., & Abir S, S. (2023). Pengaruh Analisis SWOT terhadap Pengambilan Keputusan pada Usaha Laundry di Kalijudan Surabaya. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 4(5), 1263–1274. https://doi.org/10.47467/elmal.v4i5.2754
Dunggio, S., Hamzah, D., & Taba, M. I. (2023). Digital and Human Resource Transformation on Financial Technology Era: A Case Study Inside Banking Industry. Asian Journal of Advanced Research and Reports, 17(10), 142–151. https://doi.org/10.9734/ajarr/2023/v17i10539
Emy Widyastuti, & Nena Arinta, Y. (2020). Perbankan Syariah dan Pertumbuhan Ekonomi Indonesia: Bagaimana Kontribusinya? Al-Muzara’Ah, 8(2), 129–140. https://doi.org/10.29244/jam.8.2.129-140
Fakhrunnas, F., & Anto, M. B. H. (2023). Assessing the Islamic banking contribution to financial stability in Indonesia: A non-linear approach. Banks and Bank Systems, 18(1), 150–162. https://doi.org/10.21511/bbs.18(1).2023.13
Fakhrunnas, F., Nahda, K., & Chowdhury, M. A. M. (2023). The Contribution of Islamic and Conventional Banks to Financial Stability in Indonesia. Etikonomi, 22(1), 213–232. https://doi.org/10.15408/etk.v22i1.26656
Febianti, F., & Farida, I. (2020). the Effectiveness of Integrated Hajj Information and Computerization System (Siskohat) in the Hajj Pilgrimage in Sumedang Regency. Jhss (Journal of Humanities and Social Studies), 4(2), 124–129. https://doi.org/10.33751/jhss.v4i2.2455
Firouzbakht, M., Hajian-Tilaki, K., & Bakhtiari, A. (2021). Comparison of competitive cognitive models in explanation of women breast cancer screening behaviours using structural equation modelling: Health belief model and theory of reasoned action. European Journal of Cancer Care, 30(1), 1–11. https://doi.org/10.1111/ecc.13328
Grewal, R., & Sridhar, S. (2021). Commentary: Toward Formalizing Social Influence Structures in Business-to-Business Customer Journeys. Journal of Marketing, 85(1), 98–102. https://doi.org/10.1177/0022242920974669
Hafid, E., Pallawagau, B., Farhah, U., Rusli, M., Kara, A., Hasan, H., Arsyam, M., Aswar, N., Jufri, A., Musyahidah, S., Rahim, M. R., Syafri, M., Arman, M., & Arifin, M. P. (2022). THE OBEDIENCE OF HAJJ: PROBLEMS AND ITS IMPLEMENTATION AND EFFORT TO ACHIEVE THEIR COMPATIBILITY. 22(2).
Hamilton, R., Ferraro, R., Haws, K. L., & Mukhopadhyay, A. (2021). Traveling with Companions: The Social Customer Journey. Journal of Marketing, 85(1), 68–92. https://doi.org/10.1177/0022242920908227
Ho, S. P. S., & Chow, M. Y. C. (2022). How Does Customer Personality Shape Customer-Employee and Customer-Firm Interactions? Archives of Business Research, 10(5), 18–38. https://doi.org/10.14738/abr.105.12303
Hong, J., Kim, B., & Oh, S. (2020). The Relationship Benefits of Auto Maintenance and Repair Service: A Case Study of Korea. Behavioral Sciences, 10(7). https://doi.org/10.3390/bs10070115
Hoque, M. N., Rahman, M. K., Said, J., Begum, F., & Hossain, M. M. (2022). What Factors Influence Customer Attitudes and Mindsets towards the Use of Services and Products of Islamic Banks in Bangladesh? Sustainability (Switzerland), 14(8). https://doi.org/10.3390/su14084703
Islamida Putri, E., & Kustiningsih, N. (2022). Peranan Perbankan Syariah Terhadap Ekonomi Melalui Pembiayaan Modal Kerja Umkm Pada Bank Syariah Indonesia. Jurnal Revenue : Jurnal Ilmiah Akuntansi, 3(1), 395–405. https://doi.org/10.46306/rev.v3i1.107
K, R. R., & Safitri, I. (2021). Penerapan Akad Mudharabah Mutlaqah Pada Tabungan Mabrur Untuk Biaya Perjalanan Ibadah Haji. In Jurnal Hukum Ekonomi Syari’ah Sekolah Tinggi Ekonomi Islam SEBI (Vol. 1, Issue 1, pp. 1–15).
Kurniawati, F. (2020). the Role of Islamic Financial Institutions in Social Intermediary Services : Evidence in Metro City. International Journal of Islamic Economics, 2(01), 80. https://doi.org/10.32332/ijie.v2i01.2309
Liu, S., Yu, W., Chan, F. T. S., & Niu, B. (2021). A variable weight-based hybrid approach for multi-attribute group decision making under interval-valued intuitionistic fuzzy sets. International Journal of Intelligent Systems, 36(2), 1015–1052. https://doi.org/10.1002/int.22329
Muhammad Ahmad ur Rehman, Zahid Hussain, & Muhammad Mudasar Ghafoor. (2020). The Impact of Service Quality Dimensions on Customers’ Trust. Journal of Business and Social Review in Emerging Economies, 6(2), 557–563. https://doi.org/10.26710/jbsee.v6i2.1181
Muliani, S. (2022). Analysis of the Marketing Strategy of Savings Products to Increase the Number of Customers at Bank Muamalat Indonesia KCP Stabat. Journal of Indonesian Management, 2(3), 941–948. https://doi.org/10.53697/jim.v2i3.959
Mulyadi, M. (2022). Effect of Promotion, Quality of Service, and Trust on Interest in Becoming a Customer. Journal of Economics, Finance And Management Studies, 05(02), 309–319. https://doi.org/10.47191/jefms/v5-i2-08
Nguyen, T. A. N., Belás, J., Habánik, J., & Schönfeld, J. (2017). JOURNAL OF SECURITY AND SUSTAINABILITY ISSUES ISSN 2029-7017 print / ISSN 2029-7025 online. Journal of Security and Sustainability Issues, 6(4), 627–636. http://creativecommons.org/licenses/by/4.0/
Noordegraaf, M. (2020). Protective or connective professionalism? How connected professionals can (still) act as autonomous and authoritative experts. Journal of Professions and Organization, 7(2), 205–223. https://doi.org/10.1093/jpo/joaa011
Oļesika, A., & Rubene, Z. (2023). Professional Autonomy as a Cornerstone for Effective Professional and Social Activity. 319–329. https://doi.org/10.22364/atee.2022.20
Pericoli, A. (2020). Islamic finance and charity in the Muslim world. The role of the Islamic Development Bank in financing aid. JEBA (Journal of Economics and Business Aseanomics), 5(2). https://doi.org/10.33476/j.e.b.a.v5i2.1656
Prastiwi, I. E., & Zuhdi, M. N. (2022). Analysis of Factors Affecting Interest in Saving in Islamic Bank: Knowledge, Social Environment and Psychological Factors. International Journal of Economics, Business and Accounting Research (IJEBAR), 6(2), 770. https://doi.org/10.29040/ijebar.v6i2.4777
Putri, I. S., Sofiya, Z. A., Haqque, R. I. Z., & Setiyowati, A. (2022). Mekanisme Perhitungan Bagi Hasil Pada Produk Tabungan Haji Berbasis Akad Mudharabah. Musyarakah: Journal of Sharia Economic (MJSE), 2(1), 22–28. https://doi.org/10.24269/mjse.v2i1.5326
Rahman, A. (2023). Professional Work Model in Terms of Standard Operating Procedures, Intelligence, Rules and Ethics. AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis, 3(2), 74–85. https://doi.org/10.37481/jmeb.v3i2.590
Resty, N. N. H., & Hidayat, A. (2021). Factors Affecting Millennial Customers’ Savings Intention in Islamic Banks. European Journal of Business and Management Research, 6(4), 116–122. https://doi.org/10.24018/ejbmr.2021.6.4.949
Ridwan, M. (2022). Purchasing Decision Analysis in Modern Retail. AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis, 2(1), 1–9. https://doi.org/10.37481/jmeb.v2i1.243
Saputa, Agung, N. dan djumarno. (2020). ANALYSIS REGARDING THOSE IMPACT FROM SERVICES QUALITY AND PRODUCT QUALITY TOWARDS PURCHASE DECISIONS WHICH HAD INFLUENCE ON CUSTOMER SATISFACTION(CASE STUDY AT PT. ASTRA CREDIT COMPANIES). 28(11), 1301–1303. https://doi.org/10.31933/DIJDBM
Sari, N., Lika Annisa, & Eka Nurlina. (2021). Analisis faktor pendorong minat nasabah dalam memilih Tabungan Haji di Bank Syariah Mandiri Kantor Cabang Aceh. J-EBIS (Jurnal Ekonomi Dan Bisnis Islam), 6, 124–141. https://doi.org/10.32505/j-ebis.v6i2.3549
Tatar, M. (2022). Socialization: The Process of Learning to be Human. International Journal of Progressive Education, 18(5), 146–163. https://doi.org/10.29329/ijpe.2022.467.9
Wondola, D. W., Aulele, S. N., & Lembang, F. K. (2020). Partial Least Square (PLS) Method of Addressing Multicollinearity Problems in Multiple Linear Regressions (Case Studies: Cost of electricity bills and factors affecting it). Journal of Physics: Conference Series, 1463(1). https://doi.org/10.1088/1742-6596/1463/1/012006
Youssef, N. A. (2022). The Causal Impact of Coping Strategies of Frontline Health Workers and Board Competencies During the COVID-19 Outbreak. International Journal of Applied Research on Public Health Management, 7(1), 1–19. https://doi.org/10.4018/ijarphm.302648
Yuliafitri, I., & Lathifah, R. S. (2022). Understanding Riba, Product Knowledge, and Attitudes: Influences on Intentions to Become Sharia Bank Customers. Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 7(1), 102. https://doi.org/10.31332/lifalah.v7i1.5500
Yurkevich, O., Subochev, A., & Mozgovyy, O. (2022). Banking Activity Model in the Islamic Finance Doctrine. Міжнародна Економічна Політика, 37, 93–115. https://doi.org/10.33111/iep.2022.37.05
Yusuf, S. D., Mokoagow, M., Nur, M., & Rauf, S. (2023). Islamic Financial Characteristics and the Sustainability of Islamic Banking in Indonesia: Challenges and Opportunities. Jurnal Ilmiah Manajemen Kesatuan, 11(2), 363–369. https://doi.org/10.37641/jimkes.v11i2.2036
Yusuf Susanto, A., & Sutanto, J. E. (2023). Analysis of the Influence of Product Completeness, Service and Price on Consumer Repeat Purchase Decisions. COMSERVA : Jurnal Penelitian Dan Pengabdian Masyarakat, 2(12), 3166–3180. https://doi.org/10.59141/comserva.v2i12.730
Zhao, Xiang, Davey, Gareth, Wan, Xiangxing, & Li, Q. (2023). Abstract Two models of intention to have a tattoo are compared using data from a survey of 1322 Chinese Dai adolescents ages 15-19 years in seven middle schools in Yunnan Province , China . Structural equation modeling compared a Theory of Reasoned Action.
Ahmed, S. W., & Siddiqui, D. A. (2020). Human Resource Management, Total Quality Management and Competitive Advantages: Evidence from Pakistani Banking Industry. Human Resource Research, 4(1), 1. https://doi.org/10.5296/hrr.v4i1.16410
Arwin, A., Sutrisno, S., & Hamka, R. A. (2023). Increasing the Knowledge of Tasiwalie Village Communities About Sharia Banks in Indonesia Through Sharia Banking Socialization. Al-Mulk: Jurnal Pengabdian Masyarakat, 1(1), 13. https://doi.org/10.46339/am-jpm.v1i1.970
Bila, A., & Assyahri, W. (2023). Professionalism And Timeliness in Public Service Management at Class II Immigration Office of Agam. JESS (Journal of Education on Social Science), 7(1), 64. https://doi.org/10.24036/jess.v7i1.462
Cornesse, C., Blom, A. G., Dutwin, D., Krosnick, J. A., De Leeuw, E. D., Legleye, S., Pasek, J., Pennay, D., Phillips, B., Sakshaug, J. W., Struminskaya, B., & Wenz, A. (2020). A review of conceptual approaches and empirical evidence on probability and nonprobability sample survey research. Journal of Survey Statistics and Methodology, 8(1), 4–36. https://doi.org/10.1093/jssam/smz041
Dewi, A. A. K., Samsudin, A., Hidayat, R., Sari, D., Destrina, I., Cornelia, M., Netanya, S. A., & Abir S, S. (2023). Pengaruh Analisis SWOT terhadap Pengambilan Keputusan pada Usaha Laundry di Kalijudan Surabaya. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 4(5), 1263–1274. https://doi.org/10.47467/elmal.v4i5.2754
Dunggio, S., Hamzah, D., & Taba, M. I. (2023). Digital and Human Resource Transformation on Financial Technology Era: A Case Study Inside Banking Industry. Asian Journal of Advanced Research and Reports, 17(10), 142–151. https://doi.org/10.9734/ajarr/2023/v17i10539
Emy Widyastuti, & Nena Arinta, Y. (2020). Perbankan Syariah dan Pertumbuhan Ekonomi Indonesia: Bagaimana Kontribusinya? Al-Muzara’Ah, 8(2), 129–140. https://doi.org/10.29244/jam.8.2.129-140
Fakhrunnas, F., & Anto, M. B. H. (2023). Assessing the Islamic banking contribution to financial stability in Indonesia: A non-linear approach. Banks and Bank Systems, 18(1), 150–162. https://doi.org/10.21511/bbs.18(1).2023.13
Fakhrunnas, F., Nahda, K., & Chowdhury, M. A. M. (2023). The Contribution of Islamic and Conventional Banks to Financial Stability in Indonesia. Etikonomi, 22(1), 213–232. https://doi.org/10.15408/etk.v22i1.26656
Febianti, F., & Farida, I. (2020). the Effectiveness of Integrated Hajj Information and Computerization System (Siskohat) in the Hajj Pilgrimage in Sumedang Regency. Jhss (Journal of Humanities and Social Studies), 4(2), 124–129. https://doi.org/10.33751/jhss.v4i2.2455
Firouzbakht, M., Hajian-Tilaki, K., & Bakhtiari, A. (2021). Comparison of competitive cognitive models in explanation of women breast cancer screening behaviours using structural equation modelling: Health belief model and theory of reasoned action. European Journal of Cancer Care, 30(1), 1–11. https://doi.org/10.1111/ecc.13328
Grewal, R., & Sridhar, S. (2021). Commentary: Toward Formalizing Social Influence Structures in Business-to-Business Customer Journeys. Journal of Marketing, 85(1), 98–102. https://doi.org/10.1177/0022242920974669
Hafid, E., Pallawagau, B., Farhah, U., Rusli, M., Kara, A., Hasan, H., Arsyam, M., Aswar, N., Jufri, A., Musyahidah, S., Rahim, M. R., Syafri, M., Arman, M., & Arifin, M. P. (2022). THE OBEDIENCE OF HAJJ: PROBLEMS AND ITS IMPLEMENTATION AND EFFORT TO ACHIEVE THEIR COMPATIBILITY. 22(2).
Hamilton, R., Ferraro, R., Haws, K. L., & Mukhopadhyay, A. (2021). Traveling with Companions: The Social Customer Journey. Journal of Marketing, 85(1), 68–92. https://doi.org/10.1177/0022242920908227
Ho, S. P. S., & Chow, M. Y. C. (2022). How Does Customer Personality Shape Customer-Employee and Customer-Firm Interactions? Archives of Business Research, 10(5), 18–38. https://doi.org/10.14738/abr.105.12303
Hong, J., Kim, B., & Oh, S. (2020). The Relationship Benefits of Auto Maintenance and Repair Service: A Case Study of Korea. Behavioral Sciences, 10(7). https://doi.org/10.3390/bs10070115
Hoque, M. N., Rahman, M. K., Said, J., Begum, F., & Hossain, M. M. (2022). What Factors Influence Customer Attitudes and Mindsets towards the Use of Services and Products of Islamic Banks in Bangladesh? Sustainability (Switzerland), 14(8). https://doi.org/10.3390/su14084703
Islamida Putri, E., & Kustiningsih, N. (2022). Peranan Perbankan Syariah Terhadap Ekonomi Melalui Pembiayaan Modal Kerja Umkm Pada Bank Syariah Indonesia. Jurnal Revenue : Jurnal Ilmiah Akuntansi, 3(1), 395–405. https://doi.org/10.46306/rev.v3i1.107
K, R. R., & Safitri, I. (2021). Penerapan Akad Mudharabah Mutlaqah Pada Tabungan Mabrur Untuk Biaya Perjalanan Ibadah Haji. In Jurnal Hukum Ekonomi Syari’ah Sekolah Tinggi Ekonomi Islam SEBI (Vol. 1, Issue 1, pp. 1–15).
Kurniawati, F. (2020). the Role of Islamic Financial Institutions in Social Intermediary Services : Evidence in Metro City. International Journal of Islamic Economics, 2(01), 80. https://doi.org/10.32332/ijie.v2i01.2309
Liu, S., Yu, W., Chan, F. T. S., & Niu, B. (2021). A variable weight-based hybrid approach for multi-attribute group decision making under interval-valued intuitionistic fuzzy sets. International Journal of Intelligent Systems, 36(2), 1015–1052. https://doi.org/10.1002/int.22329
Muhammad Ahmad ur Rehman, Zahid Hussain, & Muhammad Mudasar Ghafoor. (2020). The Impact of Service Quality Dimensions on Customers’ Trust. Journal of Business and Social Review in Emerging Economies, 6(2), 557–563. https://doi.org/10.26710/jbsee.v6i2.1181
Muliani, S. (2022). Analysis of the Marketing Strategy of Savings Products to Increase the Number of Customers at Bank Muamalat Indonesia KCP Stabat. Journal of Indonesian Management, 2(3), 941–948. https://doi.org/10.53697/jim.v2i3.959
Mulyadi, M. (2022). Effect of Promotion, Quality of Service, and Trust on Interest in Becoming a Customer. Journal of Economics, Finance And Management Studies, 05(02), 309–319. https://doi.org/10.47191/jefms/v5-i2-08
Nguyen, T. A. N., Belás, J., Habánik, J., & Schönfeld, J. (2017). JOURNAL OF SECURITY AND SUSTAINABILITY ISSUES ISSN 2029-7017 print / ISSN 2029-7025 online. Journal of Security and Sustainability Issues, 6(4), 627–636. http://creativecommons.org/licenses/by/4.0/
Noordegraaf, M. (2020). Protective or connective professionalism? How connected professionals can (still) act as autonomous and authoritative experts. Journal of Professions and Organization, 7(2), 205–223. https://doi.org/10.1093/jpo/joaa011
Oļesika, A., & Rubene, Z. (2023). Professional Autonomy as a Cornerstone for Effective Professional and Social Activity. 319–329. https://doi.org/10.22364/atee.2022.20
Pericoli, A. (2020). Islamic finance and charity in the Muslim world. The role of the Islamic Development Bank in financing aid. JEBA (Journal of Economics and Business Aseanomics), 5(2). https://doi.org/10.33476/j.e.b.a.v5i2.1656
Prastiwi, I. E., & Zuhdi, M. N. (2022). Analysis of Factors Affecting Interest in Saving in Islamic Bank: Knowledge, Social Environment and Psychological Factors. International Journal of Economics, Business and Accounting Research (IJEBAR), 6(2), 770. https://doi.org/10.29040/ijebar.v6i2.4777
Putri, I. S., Sofiya, Z. A., Haqque, R. I. Z., & Setiyowati, A. (2022). Mekanisme Perhitungan Bagi Hasil Pada Produk Tabungan Haji Berbasis Akad Mudharabah. Musyarakah: Journal of Sharia Economic (MJSE), 2(1), 22–28. https://doi.org/10.24269/mjse.v2i1.5326
Rahman, A. (2023). Professional Work Model in Terms of Standard Operating Procedures, Intelligence, Rules and Ethics. AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis, 3(2), 74–85. https://doi.org/10.37481/jmeb.v3i2.590
Resty, N. N. H., & Hidayat, A. (2021). Factors Affecting Millennial Customers’ Savings Intention in Islamic Banks. European Journal of Business and Management Research, 6(4), 116–122. https://doi.org/10.24018/ejbmr.2021.6.4.949
Ridwan, M. (2022). Purchasing Decision Analysis in Modern Retail. AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis, 2(1), 1–9. https://doi.org/10.37481/jmeb.v2i1.243
Saputa, Agung, N. dan djumarno. (2020). ANALYSIS REGARDING THOSE IMPACT FROM SERVICES QUALITY AND PRODUCT QUALITY TOWARDS PURCHASE DECISIONS WHICH HAD INFLUENCE ON CUSTOMER SATISFACTION(CASE STUDY AT PT. ASTRA CREDIT COMPANIES). 28(11), 1301–1303. https://doi.org/10.31933/DIJDBM
Sari, N., Lika Annisa, & Eka Nurlina. (2021). Analisis faktor pendorong minat nasabah dalam memilih Tabungan Haji di Bank Syariah Mandiri Kantor Cabang Aceh. J-EBIS (Jurnal Ekonomi Dan Bisnis Islam), 6, 124–141. https://doi.org/10.32505/j-ebis.v6i2.3549
Tatar, M. (2022). Socialization: The Process of Learning to be Human. International Journal of Progressive Education, 18(5), 146–163. https://doi.org/10.29329/ijpe.2022.467.9
Wondola, D. W., Aulele, S. N., & Lembang, F. K. (2020). Partial Least Square (PLS) Method of Addressing Multicollinearity Problems in Multiple Linear Regressions (Case Studies: Cost of electricity bills and factors affecting it). Journal of Physics: Conference Series, 1463(1). https://doi.org/10.1088/1742-6596/1463/1/012006
Youssef, N. A. (2022). The Causal Impact of Coping Strategies of Frontline Health Workers and Board Competencies During the COVID-19 Outbreak. International Journal of Applied Research on Public Health Management, 7(1), 1–19. https://doi.org/10.4018/ijarphm.302648
Yuliafitri, I., & Lathifah, R. S. (2022). Understanding Riba, Product Knowledge, and Attitudes: Influences on Intentions to Become Sharia Bank Customers. Li Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 7(1), 102. https://doi.org/10.31332/lifalah.v7i1.5500
Yurkevich, O., Subochev, A., & Mozgovyy, O. (2022). Banking Activity Model in the Islamic Finance Doctrine. Міжнародна Економічна Політика, 37, 93–115. https://doi.org/10.33111/iep.2022.37.05
Yusuf, S. D., Mokoagow, M., Nur, M., & Rauf, S. (2023). Islamic Financial Characteristics and the Sustainability of Islamic Banking in Indonesia: Challenges and Opportunities. Jurnal Ilmiah Manajemen Kesatuan, 11(2), 363–369. https://doi.org/10.37641/jimkes.v11i2.2036
Yusuf Susanto, A., & Sutanto, J. E. (2023). Analysis of the Influence of Product Completeness, Service and Price on Consumer Repeat Purchase Decisions. COMSERVA : Jurnal Penelitian Dan Pengabdian Masyarakat, 2(12), 3166–3180. https://doi.org/10.59141/comserva.v2i12.730
Zhao, Xiang, Davey, Gareth, Wan, Xiangxing, & Li, Q. (2023). Abstract Two models of intention to have a tattoo are compared using data from a survey of 1322 Chinese Dai adolescents ages 15-19 years in seven middle schools in Yunnan Province , China . Structural equation modeling compared a Theory of Reasoned Action.
Published
2024-08-25
How to Cite
Juniawati, M., & Rahmah, I. (2024). THE INFLUENCE OF SOCIALIZATION AND PROFESSIONALISM ON CUSTOMER DECISIONS TO USE HAJJ SAVINGS AT BANK SUMSEL BABEL SHARIA SUB-BRANCH UIN RADEN FATAH PALEMBANG. Jurnal Akuntansi, Manajemen Dan Ilmu Ekonomi (Jasmien), 4(04), 406-418. https://doi.org/10.54209/jasmien.v5i01.733
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Copyright (c) 2024 Mutmainah Juniawati Juniawati
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