JURNAL LENTERA BISNIS
Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026

PENGARUH PERSEPSI RISIKO, LITERASI KEUANGAN, GAYA HIDUP, DAN FAKTOR SOSIAL TERHADAP MINAT MAHASISWA MENGGUNAKAN PINJAMAN ONLINE

Lumbanraja, Riska Hasnah (Unknown)
Turnip, Angel Aulia (Unknown)
Br Sinaga, Jholant Bringg Luck Amelia (Unknown)
Marini, Yushita (Unknown)

Article Info

Publish Date
04 May 2026

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.

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Journal Info
JURNAL LENTERA BISNIS
Website

Abbrev

jrlab

Publisher

Politeknik LP3I Jakarta

Subject

Economics, Econometrics & Finance Social Sciences

Description

Jurnal Lentera Bisnis (ISSN 2252-9993, e-ISSN 2598-618X) ini merupakan jurnal ilmiah berkala yang terbit berdasarkan kaidah jurnal ilmiah ditujukan untuk mempublikasikan karya ilmiah hasil penelitian, pengembangan dan studi pustaka di bidang ilmu administrasi bisnis meliputi peminatan ilmu bisnis. ...