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All Journal INFO ARTHA JASF (Journal of Accounting and Strategic Finance) Media Komunikasi Dunia Ilmu Sipil (MoDuluS) Educoretax Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Indonesian Journal of Innovation Studies Jurnal Pemberdayaan Masyarakat Indonesia (JPMI) Journal of Authentic Research
Rahayu Kusumawati, Rahayu
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Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Transportation Other

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The Influence of Financial Inclusion and Financial Technology on the Intention to Use Online Loans with Financial Behavior as a Mediating Variable Kusumawati, Rahayu; Jagad, Daniel Jaya; Ginting, Medeilia Bernike Br
Journal of Authentic Research Vol. 5 No. 1 (2026): Februari
Publisher : LITPAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/8arkyp88

Abstract

This study aims to analyze the effect of financial inclusion and financial technology (fintech) on the intention to use online loans with financial behavior as a mediating variable. The background of this research is based on the phenomenon of the increasing use of online loan services in society, particularly in the Jakarta area, which on the one hand provides easier access to finance but on the other hand poses financial risks if not balanced with healthy financial behavior. This research employed a quantitative approach with a total of 96 respondents who were users of online loan services, determined using Cochran’s formula. Data were collected through questionnaires and analyzed using multiple linear regression and mediation testing with Hayes PROCESS Macro. The results show that financial inclusion has a positive and significant effect on both financial behavior and the intention to use online loans, while financial technology does not have a significant effect either on financial behavior or intention. Furthermore, financial behavior is proven to have a significant effect on the intention to use online loans. The mediation test indicates that financial behavior does not mediate the relationship between financial inclusion and the intention to use online loans but fully mediates the relationship between financial technology and the intention to use online loans. These findings emphasize that financial behavior is a dominant factor that needs to be strengthened in order for the use of online loans to provide optimal benefits. This study aims to analyze the effect of financial inclusion and financial technology (fintech) on the intention to use online loans with financial behavior as a mediating variable. The background of this research is based on the phenomenon of the increasing use of online loan services in society, particularly in the Jakarta area, which on the one hand provides easier access to finance but on the other hand poses financial risks if not balanced with healthy financial behavior. This research employed a quantitative approach with a total of 96 respondents who were users of online loan services, determined using Cochran’s formula. Data were collected through questionnaires and analyzed using multiple linear regression and mediation testing with Hayes PROCESS Macro. The results show that financial inclusion has a positive and significant effect on both financial behavior and the intention to use online loans, while financial technology does not have a significant effect either on financial behavior or intention. Furthermore, financial behavior is proven to have a significant effect on the intention to use online loans. The mediation test indicates that financial behavior does not mediate the relationship between financial inclusion and the intention to use online loans but fully mediates the relationship between financial technology and the intention to use online loans. These findings emphasize that financial behavior is a dominant factor that needs to be strengthened in order for the use of online loans to provide optimal benefits.
Co-Authors Abrika, Ilzyadina Ana Sofia, Siti Nur Aeni Dwi Anggita, Dyah Rizki Arifah Fibri Andriani, Arifah Fibri Arizna, Roisurroff'i Arizna, Roisurroff’i Auliya, Annisa'U Muslimatul Auliya, Annisa’U Muslimatul Dwi Ana Sofia, Siti Nur Aeni Edytha, Ellang Reczza Gegana Ginting, Medeilia Bernike Br Hanafi, Billy Firdaus Jagad, Daniel Jaya Joko Sumantri, Joko Marfiana, Andri Martinus, Jeremi Mubina, Dafa Fathan Muhammad Heru Akhmadi Niken Silmi Surjandari Nurkhamid, Muh Purnomoputro, Ajik Qadri, Resi Ariyasa Raden Harya Dananjaya, Raden Harya Rahmadhani, Anya Salsabiila Rosyalita, Dita Sadewi, Febri Intan Sari, Lily Puspita Sari, Yolanda Mayang Setiawan, M Rudy Yusuf Agustian, Mochamad Ferdy