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All Journal Jurnal Ilmu Manajemen dan Akuntansi Nusantara (JIMAKUN)
Lastri Marsely Br Ginting
Institut Teknologi dan Bisnis Indonesia
Economics, Econometrics & Finance Education Other

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The Influence Of Financial Literacy, Style And Risk On Online Loans (Case Study: Students In Tanah Karo) Debi Yolanda Kaban; Lastri Marsely Br Ginting; Sukutenta Br Sembiring
Jurnal Ilmu Manajemen dan Akuntansi Nusantara Vol. 2 No. 2 (2026): JIMAKUN - Juli
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/jimakun.v2i2.1913

Abstract

The most frequent challenge faced by university students in this era is managing finances effectively and efficiently, particularly regarding the use of online loans. This study aims to examine the influence of financial literacy, lifestyle, and risk on online loans. This research employs a quantitative approach. The analytical method utilized in this study is multiple linear regression analysis with the assistance of SPSS software. The population in this study comprises all university students in Tanah Karo. The sample for this research consists of university students utilizing online loans in Tanah Karo, totaling 100 respondents. The results of the study indicate that financial literacy, lifestyle, and risk influence online loan decisions.  
Co-Authors Debi Yolanda Kaban Sukutenta Br Sembiring