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All Journal International Journal of Applied Finance and Business Studies
Asep Syiarudin
Mathlaul Anwar University, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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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 Bachtiar Rifai Elida Florentina Sinaga Simanjorang Emul Mulyana