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All Journal Jurnal Ilmiah Ekonomi dan Bisnis DIJB (Diponegoro International Journal of Business) Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen Universitas Bung Hatta e-Jurnal Apresiasi Ekonomi E-JURNAL AKUNTANSI
Tyara Dwi Putri
Fakultas Ekonomi Dan Bisnis Universitas Bung Hatta, Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Financial Literacy and Financial Behavior: The Moderating Role of Religiosity Tyara Dwi Putri; Purbo Jadmiko; Elfitra Azliyanti
JURNAL MANAJEMEN UNIVERSITAS BUNG HATTA Vol 21 No 2 (2026): Jurnal Manajemen Universitas Bung Hatta
Publisher : Management Department, Faculty of Economics and Business, Universitas Bung Hatta

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Abstract

This study aims to analyze the influence of financial literacy on online loan usage behavior among college students and examine the role of religiosity as a moderating variable. This study uses a quantitative approach with a survey method on students of the Faculty of Economics and Business, Universitas Bung Hatta. The variables studied include financial literacy as the independent variable, online loan usage behavior as the dependent variable, and religiosity as the moderating variable. The results show that financial literacy has a positive and significant effect on online loan usage behavior. Students with a higher level of financial literacy tend to be more rational in making financial decisions. In addition, religiosity has been shown to strengthen the relationship between financial literacy and financial behavior, so that individuals with a high level of religiosity have a greater tendency to manage loans wisely and avoid excessive consumptive behavior. These findings emphasize the importance of integrating financial literacy and religious values ​​in shaping responsible financial behavior among college students.
Co-Authors Akmal Akmal Azliyanti, Elfitra Chrismondari, Chrismondari Giralda Triyani Arista Herawati Herawati Irda Irda Jadmiko, Purbo Neva Novianti Nor Azilah Husin Ridhatulghina Davizy Rika Desiyanti Rini Elvira Safnedi, Sefnedi Wiry Utami Zaitul Zaitul Zaitul Zaitul