Al-Infaq : Jurnal Ekonomi Islam
Vol. 16 No. 2 (2025)

Public Comprehension on Online Loan Usage (Pinjol): The Effect of Advertisement, Islamic Financial Literacy, And Lifestyle

Nabila, Syifa (Unknown)
Nuriyah, Aminah (Unknown)
Suryomurti, Wiku (Unknown)

Article Info

Publish Date
31 Dec 2025

Abstract

This study aims to analyze the influence of online loan advertisement, Islamic financial literacy, and lifestyle on public’s comprehension and decision in online loan making. This research uses a quantitative approach with Muslim consumers in the Greater Jakarta (Jabodetabek) area as the target population. Data were collected through a questionnaire distributed via Google Form, involving 195 respondents. The data were analyzed using Structural Equation Modeling–Partial Least Square (SEM–PLS). The results show that online loan advertisement (X1) and lifestyle (X3) have a significant and positive influence on public decision in making online loans. However, Islamic financial literacy (X2) does not have significant influence on public decision in making online loans.

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Journal Info
Al-Infaq : Jurnal Ekonomi Islam
Website

Abbrev

alinfaq

Publisher

Universitas Ibn Khaldun Bogor

Subject

Economics, Econometrics & Finance Education Mathematics

Description

Al-Infaq : Jurnal Ekonomi Islam published twice a year since 2010 (June and December), is a multilingual (Bahasa and English), peer-reviewed journal, and specializes in Islamic Economic. This journal is published by the Islamic Economic Department, Faculty of Islamic Studies, and Doctoral Program of ...