Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Bisnis Kompetitif
Dewi Firdaus, Taufiq Akbar
Unknown Affiliation
Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
PENGARUH LITERASI KEUANGAN DAN PERSEPSI RISIKO TERHADAP PENGGUNAAN PINJAMAN ONLINE DENGAN PERILAKU KONSUMTIF SEBAGAI VARIABEL MEDIASI Dewi Firdaus, Taufiq Akbar; Tiswiyanti, Wiwik; Gowon, Muhammad
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 3 (2025): aktor Penentu Minat Pembelian, Kinerja Karyawan, dan Pengelolaan Hubungan Pelangg
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i3.2577

Abstract

In the era of rapid technological advancement and digitalization, access to financial services has become increasingly easy. This study aims to examine the effects of financial literacy and risk perception on the use of online lending and consumptive behavior, as well as the effect of consumptive behavior on online lending usage, and its mediating role between financial literacy, risk perception, and online lending. This research adopts a quantitative approach using a survey method. Data were collected through a Likert-scale questionnaire (1–5), with 271 active students from the Faculty of Economics and Business, Universitas Jambi, selected using purposive sampling. Data analysis was conducted using SEM-PLS with SmartPLS 4 software. The results indicate that financial literacy and risk perception have a negative and significant effect on both consumptive behavior and online lending usage, while consumptive behavior has a positive and significant effect on online lending usage. Furthermore, consumptive behavior partially mediates the relationship between financial literacy and risk perception on the use of online lending. Keywords: Financial Literacy, Perceived Risk, Online Loans, Consumtive Behavior
Co-Authors Gowon, Muhammad Wiwik Tiswiyanti