“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 10, no. 1 (March 31, 2023): 177–189. Accessed February 5, 2026. https://jurnal.fe.umi.ac.id/index.php/JMB/article/view/489.