Firman, Rachmad Nor, and Novi Dian Pertiwi. “Tingkat Pemahaman Produk, Difirensiasi, Dan Kualitas Sumberdaya Manusia Atas Keputusan Nasabah Perbankan Syariah”. Tasharruf : Journal of Islamic Economics and Business 2, no. 1 (May 9, 2021): 1–10. Accessed October 12, 2026. https://ejournal.unupasuruan.ac.id/index.php/tasharruf/article/view/73.