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Journal : MANAJEMEN DEWANTARA

INKLUSI KEUANGAN SEBAGAI VARIABEL MODERASI TERHADAP MINAT PINJAMAN ONLINE PADA KARYAWAN GENERASI Z DI KOTA SURABAYA Putra, Dhika Hanggara; Pertiwi, Tri Kartika
MANAJEMEN DEWANTARA Vol 9 No 1 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i3.20776

Abstract

Fintech provides solutions for society by offering various conveniences in accessing digital financial services, one of which is online lending. Behind the convenience offered, there are also accompanying risks. Low levels of financial literacy and a high lifestyle tendency are among the causes of the widespread use of online loans, particularly among Generation Z. This study aims to analyze the relationship between financial literacy, a hedonism lifestyle, and financial inclusion toward the interest in using online loans. This research employs a quantitative method with a total of 139 respondents selected from Generation Z employees in Surabaya City, chosen based on specific sampling criteria. Data analysis was conducted using the Structural Equation Modeling (SEM) approach based on Partial Least Squares (PLS). The results indicate that financial literacy has a significant negative effect on the interest in online loans, while a hedonism lifestyle has a significant positive effect on the interest in online loans. Financial inclusion is unable to moderate the relationship between financial literacy and interest in online loans. Financial inclusion strengthens the influence of a hedonism lifestyle on interest in online loans. These findings highlight the importance of lifestyle management and optimizing financial literacy to ensure sound financial management, thereby avoiding risks in utilizing and engaging with fintech services.
Co-Authors Adi Rohman Moh Feri Adnawidyasaraswati Hanifa Pingkan Akbar, Ramzy Ferhat Akhmad Fauzi Akhmad Fauzi Alaufi Khairunisya Alvionita Zakiyatur Amalia, Yuni Andri Gunawan Putra As'ari Anisah Fitri Anisah Fitri, Anisah Ariyanto, Trisnanda Marselina Arohmawati, Putri Puji Azza Fiika Zahra Haqiqi Bahruddin Zaki Barna, Rafly Tyas Berliana Viera Sabilla Bob Frist D’livio Nasution Boby Yudho Anggoro Budianto, Damis Veri Chairani, Anisa Mauriska Citrakara, Tifani Nadif Devinda Anggitasari DEWANTARA, DIMAS RANGGA Dhani Ichsanuddin Nur Dhani Ichsanuddin Nur Diana, Nanda Nova Nur Eko Purwanto Elysabet Nora Erni Wijayanti, Erni Fadilah, Istianatul Fauzan, Naufal Hilmy Febri Suryani Ferry Madi Ika Pratama Ferry Madi Ika Pratama G. Oka Warmana G. Oka Warmana, G. Oka Gendut Sukarno Ghofar, Abd. Haryana, Nanik Hesty Prima Rini hidayat, david mu'amar Icasania Septentia Ichsanuddin, Dhani Irma Dwi Kusuma Johan Oktavian Kurniawati, Ruly Ladiniar Syiam'sia Ghaniynaafi Lelli Kisdayanti Makarim, Faiz Firdaus Mezafrie, Hilda Michelle Muchammad Romli Muhadjir Anwar Muhammad Taufiqurrahman Muhammad Wildan Sururi Nasution, Bob Frist D’livio Nugraha, Dhani Arta NURUL HIDAYAH Nuruni Ika KW Patricia, Kezia Angelin Pramesti, Tia Ardhela Pramudya, Ryan Wahyu Prasisca Riezky Maharani Putra, Abdillah Jetha Putra, Dhika Hanggara Putra, Novaldi Nur Rochman Putri, Viona Rosalinda Dwi Rahmatika, Ajeng Dian Rahmawati, Rizki Timur Raihano, Keanrafi Daffa Ramadhan, Duta Ramadhan, Muhammad Syahru Ranti, Monica Regatama, Hamdan Riza Hardianti Utari Rizki Ayu Dian Mega Dewati Roofica, Yunio Sabda Alam Sabrina Nouril Jannata Saffak, Irfan Safi’i, Denisa Putriramadhani Septentia, Icasania Sihotang, Albertus Evanelian Sinta Dewi Siska Damayanti Supriya, Amanda Syabela Aisyalita Kurniadi Syafira Alliya Salsabila Salsabila Syahridlo, Muhammad Dio Titian Rendra Hadianto Titian Rendra Hadianto Tyara Warmana, Gede Oka Yusuf Aulia Rakhman Zulfikar Khusnul Ghina Rizky Zumrotul Liana Putri