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A model is introduced which posits that store loyalty is primarily determined by store-image evaluation and shopping-complex loyalty. Store image-evaluation, in turn, is hypothesized to be determined, to a major extent, by self-image/store-image congruity, and shopping-complex loyalty by area loyalty and socioeconomic status. The model was tested using a path analytic procedure and the results were consistent with the model. A replication study was attempted and the results reinforced the validity of the proposed model.