This study aims to determine the effect of each of the variables X1, X2, X3, partially or simultaneously to Y. Using descriptive method, type of research ex-post-fact. Samples of 102 members of the University Students' Cooperative Kanjuruhan Malang by using purposive sampling, data collection methods angkeii. Results showed that the X1 to Y has a significant influence amounted to 42.20%. X2 on Y has a significant influence amounted to 24.14%. X3 to Y also has a significant influence amounted to 37.03%. Simultaneous effect of 47.4%.
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