Pengaruh Pendapatan dan Tingkat Pendidikan terhadap Partisipasi Anggota dalam Program Simpan Pinjam di Koperasi Konsumen Mitra Manindo Syariah Kayu Jati
Keywords:
Education Level, Participation, Savings And Loans, CooperativesAbstract
This study aims to determine the effect of income and education level on member participation in the savings and loan program at the Mitra Manindo Syariah Kayu Jati Consumer Cooperative. Member participation is a crucial factor in the success of a cooperative, as the sustainability of the savings and loan program is greatly influenced by the active involvement of its members. The research method used was quantitative with an associative approach. Data were collected through questionnaires and random sampling. The results of the t-test for the Income variable (X1) showed a calculated t of 4.129 and a t-table of 1.992 Therefore, the calculated t > t (4.129 > 1.992) and a significance value of 0.000, meaning the significance value is less than 0.05. Therefore, hypothesis Ha1 is accepted. It can be concluded that Income (X1) influences Member Participation (Y). Meanwhile, the t-test results for the Education Level variable (X2) have a calculated t of 1.972 and a t-table of 1.992 so that the calculated t > t table (1.972 > 1.992) and a significant value of 0.052 means the significant value is greater than 0.05 so the hypothesis Ha2 is accepted. It can be concluded that there is effect of Education Level (X2) on Member Participation (Y). The results of the simultaneous test (F test) are the calculated F value of 10.443 while the F table is 3,12, so the calculated F > F table (10.443 > 3,12), so the hypothesis Ha3 is accepted. Then the significance value obtained is 0.000, meaning the significant value obtained is less than 0.05, it can be concluded that the Income variable (X1) and the Education Level variable (X2) have a simultaneous (together) effect on Member Participation (Y).
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