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All Journal Psikologia: Jurnal Pemikiran dan Penelitian Psikologi
Islakhul Muttaqin
Fakultas Psikologi Universitas Muhammadiyah Surakarta
Humanities Decision Sciences, Operations Research & Management Social Sciences

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Online loan phenomenon among students: micro and macro psychological analysis: Fenomena pinjaman online di kalangan mahasiswa: analisis psikologi mikro dan makro Islakhul Muttaqin; Lusi Nuryanti
Psikologia: Jurnal Pemikiran dan Penelitian Psikologi Vol. 18 No. 2 (2023): Psikologia: Jurnal Pemikiran dan Penelitian Psikologi
Publisher : Talenta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/psikologia.v18i2.13873

Abstract

This study specifically examines the impact of online loans and analyzes both micro and macro psychological aspects. The quantitative respondents consist of 124 participants, while the qualitative research involves two informants for observation and interviews. The findings of this study indicate that the emergence of online loans is attributed to the ease of regulations, leading many students to fall into the trap of online borrowing. Peer influence and lifestyle are the main factors that lead students to utilize online lending services. Being the closest social environment, Peers influence lifestyle changes, and online loans become a means to meet those lifestyle needs. On the other hand, from the macro psychological perspective, regulations, and social media play a significant role in influencing students to opt for online loans.
Co-Authors Lusi Nuryanti