In this study, the researcher used quantitative research method. The method used in the sampling was purposive sampling with the following criteria for the study: has been a member of BMT for more than one year and members who have generally been more than 17 years old. To collect data, the researcher used questionnaires, documentation, and literature studies. The research results were processed with the SPSS program version 15.0 for windows to prove that the value of R Square of 0.309. It means that the dependent variable, which is the decision to save, can be explained by the independent variables, which are cultural, social, and personal factors of 30.9%, while 69.1% can be explained by other variables not examined in this study. The results of the simultaneous test (F-Test) show the significant value of f count of 12.647 with a significance value of 0.000<0.005. Then, it can be concluded that all independent variables, namely cultural, social and personal factors, simultaneously have a significant effect on the dependent variable, namely the decision to save. The results of the partial test (T-Test) shows that the cultural factor variable on saving decisions had a coefficient of t of 2.452 and a significance value of 0.01<0.05. Then, the hypothesis which states that cultural factors have a significant influence on the decision to save is accepted. The social factor variable on the decision to save has a coefficient of t of 0.285 and a significance value of 0.776>0.05. Then, the hypothesis stating that social factors have a positive effect on the decision to save is not accepted. The personal factor variable on the decision to save has a coefficient of t of 3.835 and a significance value of 0.000 <0.05. Then, the hypothesis which states that personal factors have a positive effect on the decision to save is accepted.