Faktor-faktor yang Memengaruhi Keputusan Anggota dalam Memilih Produk Tabungan Wadiah di BMT Al-Fath IKMI

Abstract

Baitul Maal wa Tamwil (BMT) was established to help people who need financial services but are not yet covered by Islamic banking services. Wadiah Savings is one of the most popular and popular Baitul Maal wa Tamwil (BMT) savings products, but its development has fluctuated in the 2017-2021 period. The purpose of this study was to identify the characteristics of respondents who have wadiah savings and to analyze the factors that influence members' decisions in choosing wadiah savings products at BMT Al-Fath IKMI. Data was collected by filling out questionnaires directly by 130 respondents. Data were analyzed using logistic regression. Based on the results of logistic regression, the variables of religiosity, knowledge, and saving culture have a positive and significant effect on members' decisions in choosing wadiah savings at BMT Al-Fath IKMI.