“PENGARUH PENGETAHUAN, RELIGIUSITAS, PENDAPATAN, MOTIVASI DAN DAFTAR TUNGGU HAJI TERHADAP MINAT MENABUNG TABUNGAN HAJI PADA PERBANKAN SYARIAH: THE EFFECTS OF KNOWLEDGE, RELIGIOSITY, INCOME, MOTIVATION AND WAITING LIST OF HAJJ ON THE INTEREST IN SAVING HAJJ SAVINGS IN SHARIA BANKING” (2023) International Conference of Postgraduate Students and Academics in Syariah and Law, 4(1), pp. 114–120. Available at: https://fsuproceedings.usim.edu.my/index.php/inpac/article/view/104 (Accessed: 12 March 2026).