“…Herzberg reveals that a person can be motivated by the presence of two factors: the motivational factor and the hygiene factor (Robbins and Judge, 2015). Empirical research using two Herzberg has recently been carried out by researchers such as Bundtzen (2020), Ozsoy (2019), Mitsakis, Galanakis, Mitsakis, & Galanakis (2022) and Ganapathi, Sharma, & Yarlagadda (2022). However, few research, particularly in Indonesia, have applied Herzberg's two-factor theory to rural banking..…”