Madalena, S., Samsudin, S. and Rubiyanti, D. (2026) “Interest Rates and Service Quality as Factors Influencing Customers’ Decisions to Choose Time Deposits at Bank Perekonomian Rakyat”, Advances in Managerial Auditing Research, 4(3), pp. 286–300. doi: 10.60079/amar.v4i3.940.