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HOW DO FINANCIAL LITERACY, RELIGIOSITY, AND MORAL SENSITIVITY INFLUENCE THE PREVENTION OF ONLINE LOAN USAGE? Putri, Dewi; Urumsah, Dekar
JRAK Vol 17 No 2 (2025): October Edition
Publisher : Faculty of Economics and Business, Universitas Pasundan, Bandung, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrak.v17i2.24190

Abstract

The rise of online loans has been a major concern in Indonesia’s financial technology sector, especially due to their growing influence on university students. This study investigated how financial literacy, religiosity, and moral sensitivity shaped students’ ability to resist using online loans, a vulnerable demographic increasingly targeted by digital lenders. A quantitative approach was adopted, applying the Crime Triangle from Routine Activity Theory and the GONE Theory as its theoretical framework. Data were collected from 186 respondents through purposive sampling. The results showed that all three factors significantly and positively influenced students’ resistance to borrowing online. This study was distinctive in combining psychological and moral aspects into a predictive model that had not yet been tested in the Indonesian context. The findings contribute to behavioral finance literature and provide practical guidance for policymakers, educators, and fintech regulators in minimizing students’ exposure to online lending traps.
Co-Authors Dekar Urumsah Emrizal Farida Arianti Fritania, Ema Indah, Sulistia Irman Irman Kamaluddin Kamaluddin Kurnia Wijayanti Kwe, Robinsen Miftahurrahmah Miftahurrahmah, Miftahurrahmah Nabilah, Wardatun Nofrianti, Mami Nopi Nur Khasanah Nurhayati - Nurhikma, Nurhikma Putri, Siska Elasta Rafles Ginting Rahmadani, Selvi Rahmadini, Rahmadini Renie, Elsy Rizal, Deri Sarbudin Utamy, Hebby Rahmatul Warman, Arifki Budia Wawansyah Yustiloviani, Yustiloviani Yustina, Ade