<![CDATA[This study aims to determine the effect of religiosity and spirituality on the financial behavior of members of Cooperative Credit Permata Bunda Paroki Waelengga. This research is a quantitative research using the survey method. This study's population were all Cooperative Credit Permata Bunda members. This study used simple random sampling with a sample of 100 members. The data analysis technique used simple linear regression with the help of SPSS Version 16.0 software. The results showed that the religiosity variable had a positive but not significant effect on the financial behavior variable, the spirituality variable had a positive but not significant effect on the financial behavior variable, and the religiosity and spirituality variables together had a positive but not significant effect on the financial behavior variable.]]>
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