<![CDATA[This study aims to analyze the effects of religiosity, service quality, and profit sharing on member satisfaction in sharia cooperatives in Jember Regency, Indonesia. The study is important because empirical research on member satisfaction in sharia cooperatives remains limited, particularly in regions characterized by strong Islamic socio-cultural values. This study employed a quantitative approach using purposive sampling. Data were collected from 68 members of four sharia cooperatives in Jember Regency through questionnaires measured using a five-point Likert scale. Multiple regression analysis was used to examine the effects of religiosity, service quality, and profit sharing on member satisfaction. The results indicate that profit sharing has a positive and significant effect on member satisfaction (β = 0.601; p < 0.001). In contrast, religiosity (p = 0.663) and service quality (p = 0.983) do not significantly affect member satisfaction. The regression model explains approximately 19.08% of the variation in member satisfaction. This study is limited by its relatively small sample size and its focus on sharia cooperatives in a single regency, which may limit the generalizability of the findings. Future studies are encouraged to include broader geographical coverage and additional variables related to Islamic financial behavior. This study contributes to the literature on Islamic cooperatives by demonstrating that profit sharing, as a reflection of fairness, transparency, and economic benefit in Islamic economics, plays a more important role in shaping member satisfaction than religiosity or service quality.]]>
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