The Effect of Islamic Financial Literacy on the Decision to Use Islamic Banking Services in the City of Ternate with Religion as a Moderating Variable. Jurnal Manajemen Bisnis, [S. l.], v. 10, n. 1, p. 177–189, 2023. DOI: 10.33096/jmb.v10i1.489. Disponível em: https://jurnal.fe.umi.ac.id/index.php/JMB/article/view/489. Acesso em: 31 aug. 2025.