Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal International Journal of Applied Finance and Business Studies
Bachtiar Rifai
Universitas Mathla'ul Anwar, Banten, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
The effect of financial literacy on online loans and its impact on poverty Irma Yunita Irma; Enjat sudrajat; Nono Arief Rachman; Bachtiar Rifai
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.109

Abstract

The development of information technology has brought things in a simpler direction, one of which is related to banking financial technology where banking transactions that were originally done offline can now be done online. Likewise transactions that are currently life, namely loans made online orpeer to peer lending.This study uses secondary data for 2019 and 2022 using Soft SEM-Pls and structural methods. The results of the study partially state that financial literacy has an effect on interest in online loans and financial literacy has an effect on poverty rates. The results of this study also found There is an influence of interest in online loans on poverty rates. However, the research results also show that interest in online loans has no effect on the poverty rate. This research provides valuable knowledge that online loans do not have a major impact on reducing poverty.
The linkage of perceptions of online loans and financial literacy to interest in online loans with lifestyle as a moderating variable Elida Florentina Sinaga Simanjorang; Anita Sri Rejeki Hutagaol; Emul Mulyana; Bactiar Rifai; Asep Syiarudin
International Journal of Applied Finance and Business Studies Vol. 11 No. 2 (2023): September : Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i2.111

Abstract

The development of digital information technology encourages faster information dissemination, making it easier for everyone to get access to the desired service. One impact is the convenience of financial institutions (non- banks) to provide online loan services. This institution also has the convenience of attracting its customers. This convenience has also led to the large number of official and unofficial online lending arrangements which often mislead their customers. The perception of convenience without thinking about risk is one of the reasons, the presence of financial literacy socialization is expected to minimize the negative impact of this online loan. The research was conducted on 100 Generation Z respondents in Pandeglang district, Banten province. Statistical analysis using SEM-PLS software version 4.0. Research shows that there is a positive influence between perceptions of interest in online loans, while the hypothesis put forward is that there is a negative influence between the two variables
Co-Authors Anita Sri Rejeki Hutagaol Asep Syiarudin Elida Florentina Sinaga Simanjorang Emul Mulyana Enjat sudrajat IRMA YUNITA Nono Arief Rachman