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This research was conducted using behavioral finance theories. The objectives of this research was to analyze determining factors of investment deposits decision-making for the depositor, and to analyze the most dominant factor of investment deposits decision-making in Bank NTB of Pejanggik Principle Branches. The instrument of this research was questionnaire with the total sample of 90 respondents who were the deposit customers. The research results show that deposits' interest, gain and cost,doi:10.18551/rjoas.2018-02.13 fatcat:2if26jwjkbc3jgkdsxvbfkk6em