“THE EFFECT OF KNOWLEDGE, INCOME, RELIGIOSITY, SERVICE QUALITY, AND TRUST ON SAVING DECISIONS: AN EMPIRICAL STUDY OF INDONESIAN SYARIAH BANK CUSTOMERS” (2026) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah, 9(2), pp. 303–332. doi:10.32332/finansia.v9i2.14574.