KALENGKONGAN, Yuliyana Susan; FIFI FARIHA FIRDAUS. RELIGIOUS FACTORS, PRODUCT QUALITY, AND SERVICE QUALITY AS DETERMINANTS OF CUSTOMER SAVING PREFERENCE IN ISLAMIC BANKING: EVIDENCE FROM BANK MUAMALAT TERNATE. Proceeding International Conference on Innovation of Science and Social Studies, [S. l.], v. 1, n. 2, p. 308–319, 2026. DOI: 10.30587/icisss.v1i2.12383. Disponível em: https://journal.umg.ac.id/index.php/icisss/article/view/12383. Acesso em: 18 sep. 2026.