The Influence Of Financial Literacy, Style And Risk On Online Loans (Case Study: Students In Tanah Karo)

Debi Yolanda Kaban (Institut Teknologi dan Bisnis Indonesia)
Lastri Marsely Br Ginting (Institut Teknologi dan Bisnis Indonesia)
Sukutenta Br Sembiring (Institut Teknologi dan Bisnis Indonesia)

Jurnal Ilmu Manajemen dan Akuntansi Nusantara (JIMAKUN)
Vol. 2 No. 2 (2026): JIMAKUN - Juli

The most frequent challenge faced by university students in this era is managing finances effectively and efficiently, particularly regarding the use of online loans. This study aims to examine the influence of financial literacy, lifestyle, and risk on online loans. This research employs a quantitative approach. The analytical method utilized in this study is multiple linear regression analysis with the assistance of SPSS software. The population in this study comprises all university students in Tanah Karo. The sample for this research consists of university students utilizing online loans in Tanah Karo, totaling 100 respondents. The results of the study indicate that financial literacy, lifestyle, and risk influence online loan decisions.