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All Journal JAM : Jurnal Aplikasi Manajemen PROFIT : Jurnal Administrasi Bisnis AMAR (Andalas Management Review) Journal of Entrepreneurship & Business Indonesian Journal of Multidisciplinary Science International Journal of Tourism and Hospitality in Asia Pasific Journal of the Community Development in Asia Journal of International Conference Proceedings Jurnal Manajemen Pemasaran dan Perilaku Konsumen Jurnal Management Risiko dan Keuangan
Wijayanti, Risna
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences

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The Role of Debt Literacy in Shaping Loan Repayment Behavior in P2P Lending Arya Putri, Annisa Maharani; Wijayanti, Risna; Champaca, Mychelia
Profit: Jurnal Adminsitrasi Bisnis Vol. 20 No. 2 (2026): Profit: Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.profit.2026.020.02.4

Abstract

The rapid proliferation of peer-to-peer (P2P) lending in Indonesia has increased financial inclusion to 85.1% in 2022, with national literacy rising from 38.03% in 2019 to 49.68%. Nevertheless, non-performing loans (NPL) averaged 2.90% in 2023, primarily linked to younger borrowers from Generation Z, underscoring a paradox between greater accessibility/literacy and persistent repayment difficulties. This investigation addresses a pivotal research gap by positing that general financial literacy is insufficient to ensure credit adherence, underscoring the need for specialized debt literacy, which remains inadequately explored. The issue underscores how readily accessible credit amplifies impulsive behavior among Generation Z, driving consumer loans for technological devices and lifestyle expenditures. This study uses structural equation modelling with partial least squares (SEM-PLS) on quantitative data from 300 Generation Z P2P borrowers in East Java, Indonesia, to investigate whether debt literacy positively influences loan repayment behavior and to assess the mediating roles of overspending and money management skills. The findings demonstrate that debt literacy positively affects repayment behavior, with overspending and money management skills acting as significant partial mediators that reflect positive and negative behavioral pathways, respectively.
Co-Authors -, Hasmirati Ainur Rofiq Alviany, Hilvia Amalia Astari, Nurul Arya Putri, Annisa Maharani Azizah, Zelfi Nur Basuki, Ananto Budiarti, Sandy Cahyaningtyas, Sindy Eka Yulianti Devin, Levina Arista Fitriana Rahmawati Ismayanti, Niken Wahyu Juwita, Himmiyatul Amanah Jiwa Kurniawan, Ilham Agung Margono Setiawan Moeldjadi, Moeldjadi Mugiono Mugiono, Mugiono Mychelia Champaca Rabbani, Usamah Jundi Rahmadina, Salsabila Rosyadi, Dzakiyyah Shalahuddin, Laode Stephanie, Maurent Lavena Sulistyorini, Harlina Sumiati Sumiati Tambunan, Mikael Gabe Pahala Taruwara, Apta Tantra Xaviera, Athena