50780 banking wicaksono word feb effect SOURCES exclude trust 2021 junaidi 2024 pandemic PB UTC 81K MATCH covid knowledge PDTI REPORT consumer INDEX student ALL bibliography affective ONLY role turnitin SELECTED date hamka 1633 ready religiosity islamic pdf commitment ID 08AM quote ORIGINALITY sharing 2298038826 name PAPERS STUDENT count marketing 427 8703 PRINTED publication based 547 INTERNET PUBLICATIONS journal submission SOURCE character matche SIMILARITY master performance file cognitive 0800 learning during materialism