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All Journal LAW REFORM Jurnal Ekonomi Modernisasi el-Jizya: Jurnal Ekonomi Islam Musawa : Jurnal Studi Gender dan Islam Jurnal Ekonomi dan Bisnis Islam Jurnal Manajemen Pelayanan Publik Jurnal Maneksi (Management Ekonomi Dan Akuntansi) SINERGI: Jurnal Ilmiah Ilmu Manajemen Jurnal Ilmiah Lingua Idea Edukasi Islami: Jurnal Pendidikan Islam NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Jurnal Ilmiah Galuh Justisi IJISH (International Journal of Islamic Studies and Humanities) Afiasi : Jurnal Kesehatan Masyarakat Dinasti International Journal of Management Science ADIL : Jurnal Hukum Jurnal Pendidikan Teknologi Informasi dan Vokasional JURNAL PEMBANGUNAN HUKUM INDONESIA Cendekia: Jurnal Pendidikan dan Pembelajaran Jurnal Ilmiah Manajemen Kesatuan Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ecogen Jurnal Masyarakat Maritim GUYUB: Journal of Community Engagement Mabsya : Jurnal Manajemen Bisnis Syariah International Journal of Business, Management and Economics International Journal of Engagement and Empowerment (IJE2) Jurnal Pengabdian Masyarakat (ABDIRA) AJAD : Jurnal Pengabdian kepada Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Mabsya: Jurnal Manajemen Bisnis Syariah Journal of Islamic Economics Lariba Jurnal Indonesia Sosial Sains Jurnal Inovasi dan Teknologi Pendidikan JER Bina Bangsa International Journal of Business and Management Al-Infaq : Jurnal Ekonomi Islam Lex Librum : Jurnal Ilmu Hukum
Basrowi Basrowi, Basrowi
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Analysis of Public Understanding of Online Loans in Banten Viewed from Financial Literacy and Consumptive Behavior with Financial Inclusion as an Intervening Variable Tawakal, Adysta Carina; Basrowi, Basrowi; Sariwardani , RR. Andriani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2262

Abstract

This study analyzes the influence of financial literacy and consumptive behavior on understanding of online loans in Banten, with financial inclusion as an intervening variable. The rapid growth of fintech lending in Indonesia has facilitated access to financing but has also raised risks such as loan defaults, misuse of personal data, and the proliferation of illegal lending. A quantitative approach was employed using primary data collected through questionnaires. Data were analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with path analysis. Sampling using purposive sampling method and obtained samples of 398 respondents. The results indicate that financial literacy has a significant positive effect on understanding online loans and on financial inclusion. Consumptive behavior has a significant negative effect on understanding online loans but no significant effect on financial inclusion. Financial inclusion has a significant positive effect on understanding online loans and mediates the effect of financial literacy on understanding online loans. Conversely, consumptive behavior has no significant indirect effect through financial inclusion. These findings highlight the importance of improving financial literacy to enhance financial inclusion and strengthen public understanding of online lending services.
Co-Authors A. F, Nasywa Roudhotul Abdullah, Iqbal Alan Abdullah, Putri Allana Agil, Achmad Said Ahmad MAULANA Ali Yusuf, Furtasan Amaliyah, Amaliyah Andika Wijaya, Andika Anisariza, Nelly Ulfah Anuar Sanusi Bahar, Ririn Nur Abdiah Baihaki Baihaki Daryuni, Popi Dedi Damhudi Dedi Satriawan Dermawan, Dorry Endang Purwaningsih Erike Anggraeni Fahmiati, Mia Fathurahman, Muhamad Fatwa Andini Yusuf, Zia'ul Fauzi Fauzi Hanafiyah, Millatun Hery Widijanto Holten Sion, Holten Humami, Anung Hunainah, Hunainah Ika Pratiwi Iskandar, Farhan Putra Jarot Tri Bowo Santoso Juhary Ali Khaeruman Khairuman, Khairuman Khulsum, Umi Kuwartika, Yuni Liany, Lusy Mahendra, Yoga Mamat Rahmatullah Maskudi Muhammad Fikri Muhammad Nasor, Muhammad Muhammad Roeis, Gusti Muharomah, Dewi Robiatun Munir, khoirul Muslikh Muslikh Mustaffa, Abaidullah Bin muti'ah, Eva mutiah, eva Muti’ah, Eva Nani Rohaeni, Nani Nisa, Wilya Choirun Queroda, Phillip G Quraysin, Icin Raden Mohamad Herdian Bhakti Rahmadani, Kurniati Rania Permata Rifayanto Risna, Meilia Rochmaedah, Dedeh Rohan, Elip Gozali Rustam Efendi Salim, Nabila Salleh, Muhammad Syukri Sanudin Sanudin Sariwardani , RR. Andriani Sariwardani, Andriani Sinta Ayu Purnamasari, Sinta Ayu Sri Mulyani Suhaeri Suhaeri, Suhaeri Suseno, Bambang Dwi Suwarni Suwarni Suwarsono, Djanut Totok SYAMSURI Tawakal, Adysta Carina Tri Nurwati Uli Wildan Nuryanto Utami, pertiwi Ventayen, Randy Joy Magno Waskito, Tejo Wiwik Handayani Yunos, Melinda Siti Asmah Binti Zuhriyah, Nur Azizah