Bakhri, Syaeful, Syifa Nurul Hasanah, and Didi Sukardi. 2026. “DISPOSABLE INCOME AND RELIGIOSITY AS DETERMINANTS OF INTEREST IN SAVING IN ISLAMIC BANKS ”. Proceeding International Conference on Islam and Civilization (ICONIC) 1 (2):309-17. https://e-jurnal.staimuttaqien.ac.id/index.php/iconic/article/view/3613.