<![CDATA[Tujuan dalam penelitian ini untuk menguji secara empiris pengaruh Financial Literacy dan, self efficacy terhadap minat kredit pada civitas akademika universitas islam negeri alauddin di koperasi al-muawwanah. Penelitian ini menggunakan pendekatan kuantitatif, teknik pengambilan sampel dalam penelitian ini menggunakan proportional random sampling, sehingga diperoleh sampel sebanyak 120 responden. Kemudian data dianalisis menggunakan metode kuantitatif yang menggunakan uji validitas dan realibilitas, uji asumsi klasik, analisis regresi berganda, koefisien determinasi, uji F dan uji t. Hasil penelitian ini menunjukkan bahwa Financial Literacy berpengaruh positif dan signifikan terhadap perilaku kredit pada, dan self efficacy berpengaruh positif terhadap perilaku kredit pada,dan secara simultan Financial Literacy, dan self efficacy berpengaruh positif dan signifikan terhadap perilaku kredit pada pada Civitas Akademika UIN Alauddin Makassar. Kata Kunci: Financial, Literacy , Self Efficacy dan Kredit ABSTRACTThe purpose of this study is to empirically test the effect of Financial Literacy and self-efficacy on credit interest in the academic community of the State Islamic University of Al-Muawwanah at the Al-Muawwanah Cooperative. This study used a quantitative approach, the sampling technique in this study used proportional random sampling, so that a sample of 120 respondents was obtained. Then the data were analyzed using quantitative methods using validity and reliability tests, classical assumption test, multiple regression analysis, coefficient of determination, F test and t test. The results of this study indicate that Financial Literacy has a positive and significant effect on credit behavior, and self-efficacy has a positive effect on credit behavior, and simultaneously Financial Literacy and self-efficacy have a positive and significant effect on credit behavior in the UIN Alauddin Makassar Academic Community Keywords: Financial, Literacy, Self Efficacy and Credit]]>
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