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All Journal Jurnal Pendidikan Anak Usia Dini Undiksha Primary: Jurnal Pendidikan Guru Sekolah Dasar Communications in Science and Technology Pendas : Jurnah Ilmiah Pendidikan Dasar Primanomics : Jurnal Ekonomi & Bisnis Jurnal Keperawatan Muhammadiyah Golden Age: Jurnal Ilmiah Tumbuh Kembang Anak Usia Dini Al-Asalmiya Nursing: Journal of Nursing Sciences Jurnal Magrobis The Asia Pacific Journal Of Management Studies Jurnal Aplikasi Ilmu Teknik Industri (JAPTI) Jurnal Pengabdian kepada Masyarakat PROFESSIONAL HEALTH JOURNAL Jurnal Ekonomi KIAT Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Jurnal Penelitian ABDIMASNU: Jurnal Pengabdian kepada Masyarakat Community Health Nursing Gudang Jurnal Pengabdian Masyarakat Policy Brief Pertanian, Kelautan, dan Biosains Tropika Pratama Widya: Jurnal Pendidikan Anak Usia Dini AL-ABSHOR : Jurnal Pendidikan Agama Islam JGuruku: Jurnal Penelitian Guru Journal of Community Services and Engagement: Voice of Community (VOC) International Journal of Education, Vocational and Social Science IPSSJ
rudiyanto
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Journal : Primanomics : Jurnal Ekonomi

 1 
The Effect of Shopping Dependence, Consumptive Behavior on Fintech Lending with Consumer Debt Levels as Intervening Variables Parameswari, Rinintha; Fredy Perdana Putra; Rudiyanto
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 1 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i1.3405

Abstract

This study examines the influence of online shopping dependence and consumer behavior on online loans, with consumer debt levels as intervention variables. The background of this study is the phenomenon of increasing consumer behavior driven by the ease of online shopping, which often triggers compulsive shopping behavior. The purpose of this study is to understand how dependence on online shopping and consumer behavior affect consumer debt through the use of fintech loan services. The research method uses a descriptive quantitative approach with data collection through questionnaires from 100 respondents who use e-commerce applications and online loans. Data were analyzed using path regression analysis to determine significant relationships between the variables studied. The results show that shopping dependence and consumer behavior have a significant direct and indirect effect on consumer debt levels through online loans. This conclusion emphasizes the importance of managing shopping habits and financial behavior in overcoming consumer debt problems in the digital era. Direct Influence: Online shopping dependency (X1) has a significant effect on online loans (Y) with a beta coefficient of 0.288 and on consumer debt (Z) with a coefficient of 0.456.Consumer behavior (X2) also has a significant effect on Y (coefficient 0.626) and on Z (coefficient 0.275).Online loans (Y) have a significant effect on consumer debt (Z) with a coefficient of 0.224. Indirect Influence: The indirect effect of X1 on Z through Y is 0.0621, so the total effect is 0.50. The indirect effect of X2 on Z through Y is 0.085, with a total effect of 0.374.
Co-Authors Achmad Rasyid Ridha Adhwa Fadhiyah Adlan Agustin, Hamdi Ahnof , Fayyadh El Aisyah Asiyah Akhmad Yanuar Fahmi Pamungkas Ali Syahbana Alif Noor Anna Alif Noor, Anna Alisa Hidayatunisa Andika Pradana Putra Andrik Hermanto Anisa Firmanti, Tria Anisum Ardiansyah, Rano Arini, Maya Intan Arya Pradana, Dimas Gading Asep Deni Gustian Asep Jejen Jaelani Atik Pramesti Wilujeng Auriga Putri Faradilla Ayu Fatmawati Ayu Putu Linda Purnama Dewi, Ida Azahrah Tsaniya Maualani Budi Indra Setiawan Chusnul Arif Cuandra, Fendy Darvin Dewi Novita Sari Dian Herdiana Diana Kusumawati Dwi Astuti Dwi Prasetyawan, Riyan Euis Kurniati Fajri Agustian Nurfachri Firda Mufidah Firdaus firdaus, moh dimas aqil Fredy Perdana Putra Habiddin Harapan, Uun Novalia Hirdes Harlan Hirdes Harlan Yuanto Ida Sri Surani Wiji Astuti Imas Fatimah Indah Christiana Ira Fauzhia Jasicca Dea Putri Perwiranti Jayawarsa, A.A. Ketut Jessy Johny Budiman Joko Sulianto . . Jumadi Junita Kahar Karsuwadi, Ringo Renaldi Lifhesti Seroja Khofifah Marasta, Khalifa Matsuda, Hiroshi Maudi, Maudilia Septianti D.Y.P Mubiar Agustin Muhamad Askari Muhamad Salik Ruqy Muhammad Akbar Septiansyah Gojali Muhdin Munif, Badrul Mwariko, Sadick Akida Nayla S Lestari Ngatmini Padwika, Dian Ramadhani Parameswari, Rinintha Pramesti Wilujeng, Atik Purnamasari, Andita Qonita Syamila Q Rimbawanto, Septian Ardi Rosuli, Ahmad Rusianto Santhyami Satyanto Krido Saptomo Sintia Taubatul Fitri Siti Hanifah Sri Darnoto Sukari Supriyanto Surya Putri, Novita Syahdan, Gyan Abiyoga Talita Anti Safitri Tamura, Koremasa Taufiqurrohman Theo, Stella Tjoa, Kevin Waliyyun Arifuddin, Yusuf Widodo Wildan Zakaria Willy Bayuardi Suwarno Yeni Rachmawati Yulius Hero Yusnaldi Yusuf Waliyyun Arifuddin Zaharuddin Zaharuddin