scholarly journals Pengaruh Program "Yuk Nabung Saham" Terhadap Minat Investasi Pada Kelompok UKM di Kota Prabumulih Sumatera Selatan

2020 ◽  
Vol 4 (1) ◽  
pp. 364-370
Author(s):  
Zakaria Harahap
Keyword(s):  
Correlation Coefficient ◽  
Secondary Data ◽  
Primary Data ◽  
Coefficient Of Determination ◽  
Survey Method ◽  
Simple Linear Regression ◽  
Purposive Sampling ◽  
Independent Variables ◽  
The Impact ◽  
Selection Of

Let's Save Stocks Against Investment Interest in SMEs Group in Prabumulih City, South Sumatra. The purpose of this study is to analyze the impact of the "Yuk Nabung Saham" program on investment interest in the SME group in Prabumulih City, South Sumatra. The research method used in this study using a survey method. By collecting primary data and secondary data. The selection of the research location was determined deliberately (purposive sampling) then the data obtained would be analyzed using the T test with simple linear regression. The population selection in this study was the UKM group in Prabumulih as many as 5,436 UKM, the method of determining the sample used was purposive sampling with the consideration of respondents who were influencers / deciders, with sampling using the Slovin Umar formula (2013), so the sample to be used in this study is as many as 98 respondents representing a randomly selected population. The results show that the value of the correlation coefficient and the coefficient of determination can be used to determine the proportion of the independent variables (X) in explaining the Y variable.The correlation coefficient of 0.827 indicates that there is a strong and unidirectional influence between saving stocks and investment interest in the Prabumulih City UKM group. . The coefficient of determination is 0.827 or 82.7%, the variation of saving stocks, which can explain the investment interest variable, while the remaining 13.7% is explained by other variables not examined in this study. Keywords: Saving Stocks and Investment Interest

scholarly journals Pengaruh Dukungan Supervisor dan Pemberdayaan Terhadap Organizational Citizenship Behavior

2014 ◽  
Vol 5 (1) ◽  
pp. 158
Author(s):  
Tinjung Desy Nursanti ◽  
Aida Dwi Anissa
Keyword(s):  
Linear Regression ◽  
Organizational Citizenship ◽  
Organizational Citizenship Behavior ◽  
Primary Data ◽  
Citizenship Behavior ◽  
Survey Method ◽  
Linear Regression Method ◽  
Simple Linear Regression ◽  
Multiple Linear Regression Method ◽  
The Impact

Study aims to determine and obtain a clear picture of supportive supervisor, empowerment, and organizational citizenship behavior; and to determine the impact of supportive supervisor and empowerment towards organizational citizenship behavior of employees in PT Setia Makmur Cemerlang. Research used explanatory survey method, while the sample was taken from employees of the company. Research instrument (questionnaires) was used as primary data collection to explain the causal relationship between supportive supervisor and empowerment on organizational citizenship behavior of employees in PT Setia Makmur Cemerlang. Analysis used simple linear regression and multiple linear regression method. Result of this study shows that there is significant influence between supportive supervisor and empowerment towards organizational citizenship behavior.

scholarly journals PENGARUH KUALITAS LAYANAN TERHADAP KEPUASAN PASIEN RAWAT INAP PADA RSUD KABUPATEN BANGGAI KEPULAUAN

2015 ◽  
Vol 1 (2) ◽  
pp. 151-164
Author(s):  
Magvira Alia ◽  
Nirwan Nirwan ◽  
Suardi Suardi
Keyword(s):  
Patient Satisfaction ◽  
General Hospital ◽  
Significant Influence ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Purposive Sampling ◽  
Independent Variables ◽  
Physical Evidence

The study intends to determine simultaneous and partial influence of service quality (X) consisting of physical evidence (X1), reliability (X2), responsiveness (X3), assurance (X4), and empathy (X5) on patient satisfaction  (Y)  in  the  General  Hospital  of  Banggai  Islands,  where the  study  is  located.  The type  of  research  is  descriptive. Sources  of data  is  primary  data  retrieved  from  questionnaires  and secondary data  obtained  from  documents  of  the  Regional  General  Hospital Banggai  Islands.  The sample consists of 72 respondents. The sampling technique used is purposive sampling. Based on the results, it is shown that the quality of service (X), consisting of physical evidence (X1), reliability (X2), responsiveness (X3), assurance (X4), and empathy (X5) simultaneously have significant influence on patient satisfaction (Y) of 69.60% while the remaining 30.40% is influenced by other causes. Partial test  shows  that  there  are  three  independent  variables:  physical evidence  (X1),  reliability  (X2)  and assurance (X4) that have non-significant influence to the patients’ satisfaction at the General Hospital of Banggai Islands.Tujuan  dari  penelitian  ini  adalah  untuk  mengetahui  pengaruh kualitas  layanan  (X)  yang terdiri  dari  bukti  fisik  (X1),  reliabilitas  (X2),  responsivitas (X3), jaminan (X4),  dan  empati (X5)  secara simultan  dan  parsial  terhadap  kepuasan  pasien.  (Y)  di  Rumah  Sakit  Umum Kepulauan  Banggai.  Lokasi  penelitian  ini  di  Rumah Sakit  Umum  Kepulauan  Banggai.  Jenis penelitian  ini  bersifat deskriptif.  Sumber  data  dalam  penelitian  ini  adalah  data  primer yang diambil  melalui  kuesioner  dan  data  sekunder  diperoleh  dari  Rumah Sakit  Umum  Daerah Banggai. Sampel dalam penelitian ini adalah 72 responden. Teknik sampling yang digunakan adalah  purposive sampling.  Berdasarkan  hasil  penelitian  menunjukkan  bahwa  variabel kualitas pelayanan (X) yang terdiri dari bukti fisik (X1), reliabilitas (X2), responsivitas (X3), jaminan (X4),  dan  empati (X5)  secara  simultan berpengaruh  signifikan  terhadap  kepuasan pasien  (Y)  dengan pengaruh 69,60%  sedangkan  sisanya  30,40%  dapat  dijelaskan  oleh penyebab  lainnya.  Uji  parsial  menunjukkan  bahwa  terdapat  tiga variabel  bebas  yang  tidak signifikan yaitu bukti fisik (X1), reliabilitas (X2) dan jaminan (X4) terhadap kepuasan pasien di Rumah Sakit Umum Kepulauan Banggai.

scholarly journals Faktor Internal dan Eksternal yang Menentukan Non Performing Financing (NPF) pada Pembiayaan Mudharabah

2021 ◽  
Vol 1 (1) ◽  
pp. 1-10
Author(s):  
Rahdya Iasyah Nindea Tami
Keyword(s):  
Survey Methods ◽  
Rapid Development ◽  
Secondary Data ◽  
Sampling Technique ◽  
Primary Data ◽  
Survey Method ◽  
Validity And Reliability ◽  
Purposive Sampling ◽  
Bank Management ◽  
Bank Employees

Abstract. In recent years, the world of Islamic banking in Indonesia has shown very rapid development, both in terms of the number of new office openings, types of bank businesses and the volume of bank activities they do. Al Salaam SRBs are BPRS that are superior compared to other SRBs in the city of Bandung. However, the level of BPRS Al Salaam's problematic financing (NPF) was the highest among other BPRS. The problematic financing that occurred at the Al Salaam SRB was due to several factors and processes that did not occur quickly, where these factors could be sourced from bank management aspects as well as customer aspects. This study aims to identify the Internal and External Factors that determine Non-Performing Financing (NPF) in mudharabah financing at Al Salaam Bandung Branch. This type of research used in this research is quantitative descriptive research with survey methods. The survey method was carried out by interviewing and distributing questionnaires to 10 respondents namely 5 bank management parties and 5 customers. Sampling is done by simple calculations using purposive sampling technique. Data sources used in this study consisted of two types, namely secondary data and primary data. The analytical method used is the Likert scale analysis method. Test requirements analysis using validity and reliability tests are assisted using the SPSS program. The results showed that aspects of bank management from the perspective of bank employees and customers are at sufficient intervals to determine the occurrence of problematic financing or NPF while customer aspects from the perspective of bank employees and customers themselves are at intervals determining the occurrence of problematic financing or NPF.   Abstrak. Pada tahun-tahun terakhir ini dunia perbankan Syariah di Indonesia menunjukkan perkembangan yang sangat pesat, baik dilihat dari jumlah pembukaan kantor baru, jenis usaha bank dan volume kegiatan bank yang dilakukannya. BPRS Al Salaam termasuk BPRS yang lebih unggul dibandingkan dengan BPRS lainnya di kota Bandung. Namun demikian, tingkat pembiayaan bermasalah (NPF) BPRS Al Salaam pun paling tinggi diantara BPRS lainnya. Pembiayaan bermasalah yang terjadi di BPRS Al Salaam disebabkan beberapa faktor dan proses yang tidak terjadi secara cepat, dimana faktor tersebut dapat bersumber dari aspek manajemen bank maupun aspek nasabah. Penelitian ini bertujuan untuk mengidentifikasi Faktor Internal dan Eksternal yang menentukan Non Performing Financing (NPF) pada pembiayaan mudharabah di BPRS Al Salaam Cabang Bandung.Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian deskriptif kuantitatif dengan metode survei. Metode survei dilakukan dengan wawancara dan menyebarkan kuisioner kepada 10 responden yaitu pihak manajemen bank sebanyak 5 orang dan pihak nasabah sebanyak 5 orang. Pengambilan sampel dilakukan dengan perhitungan sederhana menggunakan teknik purposive sampling. Sumber data yang digunakan dalam penelitian ini terdiri dari dua jenis yaitu data sekunder dan data primer. Metode analisis yang digunakan adalah metode analisis skala likert. Uji persyaratan analisis menggunakan uji validitas dan reabilitas dibantu menggunakan program SPSS.Hasil penelitian menunjukkan bahwa aspek manajemen bank menurut perspektif karyawan bank maupun nasabah berada pada interval cukup menentukan terjadinya pembiayaan bermasalah atau NPF sedangkan Aspek nasabah menurut perspektif karyawan bank maupun nasabah itu sendiri berada pada interval menentukan terjadinya pembiayaan bermasalah atau NPF.

scholarly journals Faktor-Faktor Yang Mempengaruhi Price Earning Ratio Saham Lq45 Di Indonesia

2019 ◽  
Vol 2 (2) ◽  
Author(s):  
Taruna Dan Carunia Mulya Firdausy
Keyword(s):  
Quantitative Research ◽  
Sampling Method ◽  
Secondary Data ◽  
Coefficient Of Determination ◽  
Financial Leverage ◽  
Return On Equity ◽  
Book Value ◽  
Purposive Sampling ◽  
Independent Variables ◽  
Earnings Per Share

The purpose of this research is to analyze factors that influence price earning ratio of  LQ45 index  in Indonesia for the year 2013-2016. Sample was collected by using purposive sampling method. Based on the type of data and analysis, this research is called quantitative research and data used is secondary data. The results of this study indicate that dividend payout ratio and price book value affected the price earning ratio of LQ45, while return on equity, earnings per share growth and financial leverage have no effect on PER of LQ45 stock. Simultaneously, all the independent variables significantly influence the PER stock of LQ45. Based on the coefficient of determination can be concluded that all the independent variables affect the price earning ratio of LQ45 stock by 25.46%.

scholarly journals The impact of job satisfaction on employee performance through organizational commitment as intervening variables: A survey on employees of Mitra Swalayan Kartasura

2021 ◽  
Vol 10 (6) ◽  
pp. e39910615738
Author(s):  
. Suprayitno ◽  
. Lamidi ◽  
Jeane Rosalia Qomariah
Keyword(s):  
Job Satisfaction ◽  
Organizational Commitment ◽  
Employee Performance ◽  
Secondary Data ◽  
Primary Data ◽  
Coefficient Of Determination ◽  
Retail Sector ◽  
Private Company ◽  
Analysis Technique ◽  
The Impact

Mitra Swalayan Kartasura is a private company engaged in the retail sector to fulfill basic needs. This  objective  is  to  address  the impact  of  satisfaction  on commitment to organizational commitment, to respond to the significance of the impact of the organization on employee performance, to indicate the significance of the impact of employee performance on satisfaction and whether the organization can mediate employee job satisfaction. This type of research uses the census method for Mitra Swalayan Kartasura employees. This research uses qualitative data and quantitative data. Meanwhile, the data source uses primary data and secondary data. The population is all employees of Mitra Swalayan Kartasura who assess 85 employees. The sample in this study were 85 employees with the census method. The data analysis technique used multiple regression test, t test, F test, indirect effect test, path analysis and coefficient of determination. The results of the study indicate that job satisfaction can have a positive and significant  effect  on  organizational  commitment,  there  is  no  positive  and significant influence between organizational commitment on employee performance, job satisfaction can have a positive and significant effect on employee performance and in this study it cannot prove that organizational commitment. mediate job satisfaction on employee performance.

scholarly journals The Selectivity of Purse Seine Againt Euthynnus affinis Catch in PPN Muara Angke Jakarta

2021 ◽  
pp. 18-26
Author(s):  
Donny Samudra ◽  
. Junianto ◽  
Dedy Supriadi ◽  
Izza M. Apriliani ◽  
Alexander M. A. Khan
Keyword(s):  
Random Sampling ◽  
Fork Length ◽  
Secondary Data ◽  
Purse Seine ◽  
Primary Data ◽  
Survey Method ◽  
Fishing Gear ◽  
Fishing Vessel ◽  
Purposive Sampling ◽  
Euthynnus Affinis

Purse seine is one of the fishing gear that has been used by PPN Muara Angke fisher to catch pelagis fish. The selectivity of purse seine was still being researched until now . This research was conducted  determine the selectivity of purse seine fishing gear with parameter the length of Euthynnus affinis, weight and numbers catch on purse seine fishing gear landed in PPN Muara Angke. The research used a survey method with quantitative descriptive analysis. The sampling method used in this was purposive sampling and random sampling. The data collected during the research were primary data and secondary data. Primary data included the number and weight of catches, fork length of Euthynnus affinis from five purse seine fishing vessel in PPN Muara Angke. Secondary data included production data of purse seine catches from 2015-2019 and vessel data obtained from Central Port Management Unit Jakarta and PPN Muara Angke. Purposive sampling used for the number of catch, weight of catch, production of purse seine catch from 2015-2019 and purse seine fishing vessels data. Random sampling used for fork length Euthynnus affinis fish, 250 samples were taken randomly on one purse seine fishing vessel. The research results pusre seine fishing gear which was landed at PPN Muara Angke was not selective due to the percentage length of the Euthynnus affinis was worth, proportion of amount and weight less than 60%.

scholarly journals PERANAN SUASANA KERJA TERHADAP KEINGINAN PINDAH KERJA PADA KARYAWAN PT HASNUR JAYA UTAMA

Jurnal Ecopsy ◽  
2016 ◽  
Vol 1 (2) ◽  
Author(s):  
Maya Irka Anggriani ◽  
Hemy Heryati Anward ◽  
Rooswita Santia Dewi
Keyword(s):  
Job Satisfaction ◽  
Correlation Coefficient ◽  
Random Sampling ◽  
Linear Regression Analysis ◽  
Coefficient Of Determination ◽  
Simple Linear Regression ◽  
Close Relationship ◽  
The Relationship ◽  
Selection Of

Penelitian ini bertujuan untuk mengetahui ada tidaknya peranan suasana kerja terhadap keinginan pindah kerja karyawan. Populasi pada penelitian ini yaitu seluruh karyawan PT. Hasnur Jaya Utama. Jenis pengambilan sampel yang dilakukan pada penelitian ini adalah Purposive Random Sampling yaitu pemilihan sampel secara acak sesuai dengan karakteristik yang ditentukan berdasarkan tujuan penelitian yang berjumlah 60 orang.  Sedangkan metode pengumpulan data dengan menggunakan skala suasana kerja, skala kepuasan kerja dan kuesioner keinginan pindah kerja. Dalam penelitian ini analisis data menggunakan analisis regresi linear sederhana. Hasil analisis peranan suasana kerja terhadap kepuasan kerja, diperoleh koefisien korelasi R sebesar 0,759 artinya hubungan suasana kerja dan kepuasan kerja erat. Ditemukan juga koefisien determinasi (R2) yang menunjukkan peranan suasana kerja terhadap kepuasan kerja sebesar 57,5% dan untuk analisis t observasi (8,882) > t tabel (1,672) menunjukkan  ada peranan suasana kerja terhadap kepuasan kerja. Kemudian, hasil analisis peranan kepuasan kerja terhadap keinginan pindah kerja ditemukan koefisien regresi R (0,680) artinya kepuasan kerja dan keinginan pindah kerja memiliki hubungan yang cukup erat. Selanjutnya, diperoleh juga (R2) yang menunjukkan peranan kepuasan kerja terhadap keinginan pindah kerja sebesar 46,3%  dan   untuk  analisis   t   observasi (-7,069) t tabel (1,672) menunjukkan ada peranan kepuasan kerja terhadap keinginan pindah kerja dengan signifikan negatif. Berdasarkan hasil penelitian tersebut maka dapat ditarik kesimpulan bahwa suasana kerja dan kepuasan kerja pada karyawan perlu diperhatikan oleh perusahaan agar dapat meminimalkan keinginan pindah kerja karyawan. Kata Kunci: Suasana kerja, kepuasan kerja, keinginan pindah kerjaThis study purposed to determine whether there is the influence of the working atmosphere to intention turnover on employees. The population in this study are all employees of PT. Hasnur Jaya Utama. Type of sampling conducted in this study is Purposive Random Sampling is the selection of a random sample according to the characteristics that are determined based on the research goals of 60 people. The methods of data collection by using the scale of the working atmosphere, the scale of job satisfaction and intention turnover questionnaire. In this study analyzes the data using simple linear regression analysis. The results of the analysis of the influence of working atmosphere to job satisfaction, the correlation coefficient R of 0.759 means that the relationship working atmosphere and job satisfaction is quite close. Also found the coefficient of determination (R2) which indicates the role of working conditions on job satisfaction at 57.5% and for the analysis of observation (8.882) > t table (1.672) which indicates means that the influence of the atmosphere to job satisfaction. Then, the results of the analysis of the influence of job satisfaction to intention turnover a correlation coefficient R (0.680) means that job satisfaction and intention turnover to have a close relationship. Furthermore, also obtained (R2 ) which indicates the role of job satisfaction to intention turnover of 46,3% and for the analysis of t observation (-7.069) > t table (1.672) which indicates means that the influence of job satisfaction to intention turnover with a significant negative . Based on these results it can be concluded that the working atmosphere and job satisfaction in employees need to be considered by the company in order to minimize intention turnover ob the employees. Keywords: The working atmosphere, job satisfaction, intention turnover.

scholarly journals KAJIAN KERENTANAN MASYARAKAT TERHADAP PERUBAHAN IKLIM BERBASIS DAERAH ALIRAN SUNGAI (STUDI KASUS SUB DAS GARANG HULU)

2012 ◽  
Vol 10 (1) ◽  
pp. 8 ◽  
Author(s):  
Muchtar Efendi ◽  
Henna Rya Sunoko ◽  
Widada Sulistya
Keyword(s):  
Climate Change ◽  
Mixed Method ◽  
Public Perception ◽  
Quantitative Methods ◽  
Secondary Data ◽  
Study Data ◽  
Primary Data ◽  
Purposive Sampling ◽  
Study Results ◽  
The Impact

ABSTRAK Dampak terhadap pemanasan global adalah terjadinya perubahan iklim yang berpengaruh terhadap kondisi ekosistem Daerah Aliran Sungai (DAS). Kondisi ini menyebabkan penurunan tingkat kesejahteraan masyarakat dan meningkatkan tingkat kerentanan masyarakat. Penelitian ini bertujuan melakukan analisis tingkat kerentanan masyarakat terhadap perubahan iklim di Sub DAS Garang Hulu. Penelitian ini merupakan penelitian deskriptif-eksploratif dengan menggunakan pendekatan metode kombinasi kualititatif dan kuantitatif (mixed method). Data sekunder dikumpulkan melalui kegiatan studi literatur dan desk study. Data primer berupa persepsi masyarakat dengan wawancara mendalam dengan metode purposive sampling. Penilaian kerentanan masyarakat terhadap perubahan iklim menggunakan fungsi dari tiga komponen, yaitu paparan, kepekaan, dan kemampuan adaptasi. Hasil analisis kerentanan masyarakat ditampilkan dalam bentuk peta-peta dengan bantuan Sistem Informasi Geografi (SIG). Hasil kajian menunjukkan bahwa tingkat kerentanan masyarakat terhadap perubahan iklim didominasi dalam kategori rendah sampai dengan sedang dengan persentase 73.83%. Daerah yang memiliki kerentanan tinggi adalah daerah Kecamatan Ungaran Timur dan kelurahan Sukorejo di Kota Semarang. Kata Kunci : DAS, Kerentanan, Paparan, Kepekaan, Kemampuan Adaptasi ABSTRACT The impact of global warming is climate change affecting the condition of Watershed Ecosystem. This condition causes the decreasing in the level of social welfare and the increasing  level of vulnerability of  living community. This study was aimed  to analyze the level of vulnerability of living communities due to climate change in Garang Hulu sub-watersheds . This research was a descriptive-explorative approach by using a combination of qualititative and quantitative methods (mixed method). Secondary data were collected through the study of literature and desk study. Primary data were taken in the form of public perception along with  indepth interviews. Respondents were chosen through purposive sampling method. Assessment of the  social vulnerability to climate change was using a function of three components, namely the exposure, sensitivity, and adaptability. The results of the vulnerability analysis were presented in the form of maps using the GIS. The study results showed that the level of vulnerability of communities to climate change was dominated by low category to moderate with the percentage of 73.83%. Areas that had a high vulnerability were East Ungaran local district and Sukorejo village in Semarang. Key Words : watershed, vulnerability, exposure, sensitivity, adaptability.

scholarly journals The impact of Covid-19 pandemic on people’s behavior and herbal drink (jamu) processing businesses in Banjarbaru, South Kalimantan

2021 ◽  
Vol 306 ◽  
pp. 02046
Author(s):  
Susi Lesmayati ◽  
Retna Qomariah ◽  
Awanis ◽  
Lelya Pramudyani
Keyword(s):  
Herbal Medicine ◽  
Positive Impact ◽  
Secondary Data ◽  
Primary Data ◽  
Survey Method ◽  
Volume Production ◽  
The Impact

This study aimed to determine and analyze the impact of the Covid-19 pandemic on (1) people's behavior to avoid exposure to the virus with consumed traditional herbal drink (jamu), and (2) jamu processing businesses in Banjarbaru City, South Kalimantan. The research location was determined purposively in the centre of traditional herbal drink processing known as Kampung Pejabat, Loktabat Selatan Village, South Banjarbaru District Banjarbaru City. The research was carried out from February to March 2021 and was conducted using a survey method to obtain primary data and supported by secondary data from reports and other sources. The data were analyzed descriptively. The studies showed that (1) Preventive efforts avoid the virus done by the peoples at the beginning of the pandemic until now by consuming jamu. Around 82 – 88% of people consuming jamu that they bought or made themselves, and they also consuming others in smaller amounts. The peoples already know the benefits of jamu as herbal medicine because it is a hereditary knowledge. Besides, consuming jamu gendong does not require a high cost. (2) there was an increase in volume production of jamu gendong around 100% at the beginning of the pandemic compared with production before the pandemic. The R/C ratio of jamu processing is increased from 1,3 to 1,54 it means the pandemic had a positive impact on the jamu processing business.

scholarly journals THE EFFECT OF RELIGIOSITY, KNOWLEDGE, AND SERVICE QUALITY TO PEOPLE’S INTEREST IN IMPLEMENTING CASH WAQF

2021 ◽  
Vol 2 (3) ◽  
pp. 432-439
Author(s):  
Arditya Farid Setyawan
Keyword(s):  
Service Quality ◽  
Regression Coefficient ◽  
Positive Impact ◽  
Employee Performance ◽  
Hypothesis Test ◽  
Total Sample ◽  
Primary Data ◽  
Coefficient Of Determination ◽  
Survey Method ◽  
The Impact

This research has the purpose to reveal the impact which is caused by religiosity, knowledge and service quality on people's interest in implementing cash waqf. The method used in this research through a survey method. The research population was all the people who had done cash waqf with a total sample of 60 people. The research data used was primary data that gathered through distributing questionnaires to samples or research respondents. The analytical tool used was linear regression, correlation, coefficient of determination and hypothesis test. The results showed that: (1) The regression coefficient of religiosity on interest was -0.062, so the religiosity did not have a positive impact on employee performance. (2) The regression coefficient value of knowledge on interest was 0.265, so the knowledge had a positive impact on interest. (3) The value from service quality regression coefficient on interest was 0.292, so the service quality had a positive impact on interest. (4) The results showed that religiosity, knowledge and services quality simultaneously had an affects on the interest variable.

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