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Neni Hendaryati
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Journal : Jurnal Pendidikan Ekonomi Undiksha

 1 
Fintech Lending: Persepsi Diri, Lingkungan Sosial, dan Keputusan Meminjam Mahasiswa Rizqoh, Ulfatun Ziadatur; Hendaryati, Neni; Azami, Tomi
Jurnal Pendidikan Ekonomi Undiksha Vol. 17 No. 2 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jjpe.v17i2.92725

Abstract

Finding out how much influence self-perception and social environment on lending decisions on Fintech Lending applications is the purpose of this study. Using a quantitative approach with an associative correlation research method, the population is active students of the Undergraduate Program (S1) of Pancasakti Tegal University in 2019. Sampling was done using a proportional random sampling technique. The results of the study stated that self-perception had an effect on the decision to borrow with a significance of 0.00 and the magnitude of influence of 28.9%. Meanwhile, the social environment has a positive effect on the decision to borrow with a significance value of 0.00 with a greater effect of 18.9%. In addition, self-perception and social environment have an effect on the decision to borrow with a significance value of 0.00 and a magnitude of influence of 31.8%.  Fintech applications used to borrow money by students are sinjam and exist with use to meet personal needs, lectures and lifestyle fulfillment.
Co-Authors Amelia, Indah - Amrizal Amrizal Apriani Fr, Dewi Arofah, Zulfi Basukiyatno, Basukiyatno Chatarina Umbul Wahyuni Dewi Amaliah Nafiati Dewi Amaliah Nafiati, Dewi Amaliah Nafiati Dewi Apriani Fr Dian Nataria Oktaviani Fahmi, Efa Syafira Faridah FARIDAH Faridah Faridah Faridah Faridah Fitriani, Syakila Rahma Indah Safitri Indrayani, Pungki Maghfiroh, Nizma Laela Marlinda, Widya Antika Muhammad Afif Nur Azizah Oktaviana Nurfariza, Ananda Sabilla Nurul Afifah Renie Tri Herdiani, Renie Tri Rismawati, Noviana Rizqoh, Ulfatun Ziadatur Rony Yulianto Rony Yulianto Rosadi, Fitra Sabila, Imas Maulina Silviana, Vina Ayu Simanjuntak, Melissa Nathania Tomi Azami Ulfatun Ziadatur Rizqoh Yuni Utami