Factors Influencing Sharia Banking Students of IAIN Ponorogo Class of 2020 Not Using Sharia Banks as the Main Media for Financial Transactions. JKUBS [Internet]. 2025 Jul. 1 [cited 2026 Mar. 7];4(1):90-101. Available from: https://e-journal.iainptk.ac.id/index.php/jkubs/article/view/3740