Abstract
This research was conducted to determine that the decision to save in Islamic cooperatives is influenced by several factors such as promotion, service quality and products. Variables used in this study are as follows promotion (X1), service quality (X2), product (X3) and decision to save (Y). This research was conducted with a quantitative approach which is one of the methods used to assess a particular population or sample by using a purposive sampling technique using a solvin count so that 88 respondents who are already members of BMT Surya Dana Makmur can be taken. Data collection techniques are by distributing questionnaires online to members using a Likert scale to make it easier for respondents to fill out. The data analysis used is multiple linear regression analysis. Researchers used a tool called SPSS (Statistical Package for Social Science) to see the results of the data obtained. The results of this study promotion have a positive and insignificant effect on the decision to save in Islamic cooperatives. Then the quality of service and products has a positive and significant effect on the decision to save in Islamic cooperatives.
 
 
Highlights
The development of the banking world is very rapid, causing competition between cooperatives
Along with the increase in customers, it becomes a challenge for Islamic financial institutions to maintain their members
The third is to establish good relationships with customers, by always being friendly in service so as to gain members' trust to entrust their assets to Baitul Maal wa Tamwil Surya Dana Makmur. Based on these preliminary thoughts, this research is aimed at analyzing the factors that influence the decision to save in Islamic cooperatives
Summary
The development of the banking world is very rapid, causing competition between cooperatives. Of the cooperatives in the Klaten area, one of them is Baitul Maal wa Tamwil Surya Dana Makmur. This cooperative has a principle that is to prosper members and serve members. With the aim that the members are satisfied with the services provided by the cooperative. With population growth increasing every year, people need to deposit funds in financial institutions such as Islamic banking, consenvional banking and Baitul Maal wa Tamwil Surya Dana Makmur. Along with the increase in customers, it becomes a challenge for Islamic financial institutions to maintain their members
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