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All Journal JURNAL LENTERA BISNIS
Lumbanraja, Riska Hasnah
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Economics, Econometrics & Finance Social Sciences

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PENGARUH PERSEPSI RISIKO, LITERASI KEUANGAN, GAYA HIDUP, DAN FAKTOR SOSIAL TERHADAP MINAT MAHASISWA MENGGUNAKAN PINJAMAN ONLINE Lumbanraja, Riska Hasnah; Turnip, Angel Aulia; Br Sinaga, Jholant Bringg Luck Amelia; Marini, Yushita
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2223

Abstract

This quantitative study aims to analyze the influence of risk perception, financial literacy, lifestyle, and social factors on students' interest in using online loan services. The study subjects consisted of 100 active students of the Faculty of Economics, in their fourth semester and above, in Medan City, selected based on criteria. Data were collected using a Likert-scale questionnaire and processed using IBM SPSS Statistics. The results of the study partially indicate that risk perception has no effect on interest in use, while financial literacy, lifestyle, and social factors have a significant influence. Simultaneously, all of these independent variables influence students' interest in using online loans.
Co-Authors Br Sinaga, Jholant Bringg Luck Amelia Marini, Yushita Turnip, Angel Aulia