Ismail, Artinegar Azmi, and Nurul Azizah. 2024. “The Influence of Personal Ability, Self-Efficacy and Service Quality on Customer Loyalty With Customer Trust As an Intervening Variable”. International Journal of Economics Development Research (IJEDR) 5 (3):1712-32. https://doi.org/10.37385/ijedr.v5i3.5217.