Peogaruh Jaminan Rasa Aman Terbadap Minat Menabung Pada Anggota Koperasi kredit CU (Credit Union) Harapan Kita Kamor Cabang Pancing

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh jaminan rasa aman terhadap minat menabung pada anggota Kopdit CU Harapan Kita Kantor Cabang Pancing. Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi linear sederhana. Populasi penelitian adalah anggota Kopdit CU Harapan Kita Kantor Cabang Pancing yang sudah bergabung selama 5 tahun, berjumlah 185 orang, dengan jumlah sampel sebanyak 185 anggota yang diperoleh menggunakan teknik Total Sampling. Instrumen penelitian berupa skala jaminan rasa aman dan skala minat menabung yang telah diuji validitas dan reliabilitasnya. Hasil penelitian menunjukkan bahwa terdapat jaminan rasa aman terhadap minat menabung, dengan nilai signifikansi sebesar 0,000 (p < 0,05) dan persamaan regresi Y = 40,920 + 0,558X. Nilai R Square sebesar 0,546 menunjukkan bahwa jaminan rasa aman memberikan kontribusi sebesar 54,6% terhadap minat menabung anggota, sedangkan sisanya sebesar 45,4% dipengaruhi oleh faktor lain di luar penelitian. Dengan demikian, penting bagi koperasi untuk terus meningkatkan jaminan keamanan fisik maupun psikologis bagi anggotanya agar dapat mempertahankan kepercayaan dan loyalitas dalam kegiatan menabung. This study aims to determine the effect of security assurance on saving interest among members of the Harapan Kita Credit Union (Kopdit CU) Pancing Branch Office. This research used a quantitative approach with a simple linear regression method. The population in this study were members of the Harapan Kita Credit Union Pancing Branch who have joined for at least 5 years, totaling 2,549 members, with a sample of 185 members obtained using an census sampling technique. The research instruments consisted of a security assurance scale and a saving interest scale that had been tested for validity and reliability. The results showed that security assurance had a positive and significant effect on saving interest, with a significance value of 0.000 (p < 0.05) and a regression equation of Y = 40.920 + 0.558X. The R Square value of 0.546 indicates that security assurance contributes 54.6% to saving interest, while the remaining 45.4% is influenced by other factors outside this study. These findings emphasize that the higher the sense of security felt by members, the greater their interest in saving. Therefore, cooperatives need to continuously improve both physical and psychological security guarantees to maintain members’ trust and loyalty in saving activities.