<![CDATA[This study aims to analyze the influence of financial literacy on online loan usage behavior among college students and examine the role of religiosity as a moderating variable. This study uses a quantitative approach with a survey method on students of the Faculty of Economics and Business, Universitas Bung Hatta. The variables studied include financial literacy as the independent variable, online loan usage behavior as the dependent variable, and religiosity as the moderating variable. The results show that financial literacy has a positive and significant effect on online loan usage behavior. Students with a higher level of financial literacy tend to be more rational in making financial decisions. In addition, religiosity has been shown to strengthen the relationship between financial literacy and financial behavior, so that individuals with a high level of religiosity have a greater tendency to manage loans wisely and avoid excessive consumptive behavior. These findings emphasize the importance of integrating financial literacy and religious values in shaping responsible financial behavior among college students.]]>
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