ABSTRACT THE EFFECT OF WORD OF MOUTH COMMUNICATION AND PERSONAL SELLING ON DECISIONS TO DO SAVINGS AND LOANS IN BUMDES SEROJA KUANTAN SINGINGI DISTRICT By: Anisa Vebriyanti Solehah Counselor : Dr. Rumyeni, S.Sos, M.Sc. Word of mouth communication is personal communication about a product between target buyers and neighbors, friends, family members, and colleagues. Personal selling is an ora…