“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”, INPAC E-Proceedings, vol. 4, no. 1, pp. 114–120, Mar. 2023, Accessed: Mar. 12, 2026. [Online]. Available: https://fsuproceedings.usim.edu.my/index.php/inpac/article/view/104