DAMPAK LINGKUNGAN KERJA, BUDAYA ORGANISASI DAN SISTEM PENGHARGAAN TERHADAP RETENSI KARYAWAN BMT BERINGHARJO DAERAH ISTIMEWA YOGYAKARTANIM.: 22108020111Azelia Zeta ErlanggaauthorThis study aims to analyze the impact of Work Environment, Organizational Culture, and Sistem Penghargaan on Employee Retention at BMT Beringharjo, Special Region of Yogyakarta. This study employs a quantitative approach using multiple linear regression analysis. Data were collected through questionnaires distributed to employees of BMT Beringharjo DIY. The results indicate that partially, Organizational Culture has a positive and significant effect on Employee Retention, while Work Environment and Sistem Penghargaan show positive but insignificant effects. Simultaneously, all three variables together have a significant influence on Employee Retention. These findings suggest that Organizational Culture is the most dominant factor in retaining employees within Islamic financial institutions, particularly at the regional level.297.273 Ekonomi Islam / Fiqih Muamalah2026-06-02UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAMThesis