“EXAMİNİNG THE FACTORS AFFECTİNG INDİVİDUALS’ DECİSİON TO FİNANCİAL EXCLUSİON FOR RELİGİOUS REASONS” (2022) Third Sector Social Economic Review, 57(3), pp. 2331–2346. doi:10.15659/3.sektor-sosyal-ekonomi.22.09.1904.