Financial Institutions and Banks H Social Sciences (General) HF Commerce HF5001 Business - Attitude Bank Performance Brand Image Cash Waqf Fundrising Consumers Economics Economy and Business Financial Performance Fund Allocation Implementation of Literacy Islamic Banks Islamic Finance Islamic Financial Literacy Islamic Social Fund Knowledge L Education (General) Management Marketing Marketing Communication POJK 45 Preferences Purchase Intention Reference Group Religiosity Remuneration Selection Criteria Sharia Usage of Financial Services Waqf Awareness