“Analysis of Customer Literacy on the Use of Marhamah Savings Products at Bank Sumut KCP Syariah Panyabungan: Analisis Literasi Nasabah Pada Penggunaan Produk Tabungan Marhamah  Di Bank Sumut KCP Syariah Panyabungan” (2024) BAITUL MAAL : Journal of Sharia Economics, 1(2), pp. 110–127. Available at: https://journal.manarulilmi.org/index.php/jse/article/view/9 (Accessed: 22 October 2025).