<![CDATA[The development of digital technology has made it easier for people to access various financial services, including online loans. The ease of the application process, simple requirements, and rapid disbursement of funds have made this service widely used, including among adolescents. However, low financial literacy, a consumptive lifestyle, and the influence of social media make adolescents vulnerable to using online loans without considering the risks that may affect their social lives. This study aims to examine the social impact of online loan usage on adolescents in Gaperta Street, Medan Helvetia District. This study employed a qualitative method with a descriptive approach. Data were collected through observation, interviews, and documentation involving adolescents who had used online loan services. The results of the study indicate that the use of online loans among adolescents is influenced by the development of digital technology, consumptive lifestyles, and social pressure from peer groups. The impacts experienced include stress, anxiety, conflicts with parents, decreased family trust, changes in friendships, and declining academic performance and social participation. Thus, online loans not only create economic problems but also have negative effects on the psychological condition and social lives of adolescents.]]>
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