Abstract— This study aims to analyze the influence of Islamic financial literacy and religiosity on the interest in saving members at the BMT NU Balen Head Office. The study uses a quantitative approach. The study population amounted to 5,480 members, while a sample of 98 respondents was determined using the Slovin formula with a simple random sampling technique. Data collection was carried out through a Likert scale questionnaire and analyzed using multiple linear regression with the help of IBM SPSS Statistics 26. The results of the study indicate that Islamic financial literacy has a positive and significant effect on the interest in saving members ( ; ). Religiosity also has a positive and significant effect on the interest in saving ( ; ). Simultaneously, Islamic financial literacy and religiosity significantly influence the interest in saving ( ; ). The Adjusted R Square value of 0.633 indicates that both variables are able to explain 63.3% of the variation in members' interest in saving, while the remaining 36.7% is influenced by other factors outside the study. This finding indicates that the higher the level of Islamic financial literacy and religiosity of members, the higher their interest in saving at BMT NU Balen. Keywords— Sharia Financial Literacy, Religiosity, Savings Interest, BMT NU Balen, Multiple Linear Regression
Copyrights © 2026