Kaffah, Silmi, and Ida Rapida. “The Influence of Promotion, Location, Profit Sharing and Services on Depositor Decisions in Sharia BPR Harum Hikmahnugraha Garut”. The Future of Finance and Banking Journal (FFBJ) 1, no. 01 (June 30, 2025). Accessed November 27, 2025. http://journal.caturabinangkit.org/index.php/FFBJ/article/view/8.