<![CDATA[The level of understanding and religiosity of students in the UNIA Intensive program regarding their interest in saving in Islamic banks. In this context, although Islamic banks have principles that align with religious teachings, a lack of a good understanding of Islamic financial principles and a high level of religiosity can play a significant role in influencing students' decisions to choose an Islamic bank as a savings account. Initial research conducted by students in the Intensive program at Al-Amien Prenduan University found that 13% of the total number of students in the UNIA Intensive program chose to use Islamic banking products. This is due to their belief in banking principles that align with Islamic teachings, such as the prohibition of usury (interest) and the principle of fair profit-sharing. Based on these reasons, it can be concluded that these 13% of students have a high level of religiosity in terms of their understanding of Islamic banking principles. The problem to be discussed in this study is the influence of the level of understanding and religiosity on the interest in saving in Islamic banks and which variables have a significant influence on the interest in saving in Islamic banks. The problem formulation is as follows: 1. Does the level of understanding of UNIA Intensive program students affect the interest in saving in Islamic banks? 2. Does the level of religiosity of UNIA Intensive program students affect the interest in saving in Islamic banks? 3. Does the level of understanding and religiosity of UNIA Intensive program students affect the interest in saving in Islamic banks?. The method used in this study is a quantitative approach, with a population of 110 UNIA Intensive program students. The data analysis techniques used are data collection, data presentation, validity and reliability tests, classical assumption tests, coefficient and determination tests, simultaneous and partial tests, and finally, drawing conclusions. From the results of data analysis using multiple linear regression with the help of SPSS 25 The level of student understanding has no significant influence between understanding and interest in saving in Islamic banks with a value of Tcount < Ttable, namely 3.506 < 1.98217. While religiosity has a significant influence on interest in saving in Islamic banks with a value of Tcount> Ttable, namely 9.301> 1.98217. The level of understanding and religiosity have a significant influence on interest in saving in Islamic banks with a value of Fcount> Ftable, namely 212.949> 3.08. The magnitude of the influence of understanding and religiosity on interest in saving in Islamic banks is 79.5% while the remaining 21.5% is influenced by other factors outside this study.]]>
