Financial Literacy, Risk Perceptions, and Consumptive Behavior on Interest in Using Online Loans
Journal Title: Journal of Economics, Finance and Management Studies - Year 2023, Vol 6, Issue 11
Abstract
This study aims to determine the influence of financial literacy, risk perception, and consumptive behavior on interest in using online loans in college students of the Faculty of Economics and Business, Dr. Soetomo University, Surabaya. This research is quantitative. The data sources used are primary and secondary data. Data collection techniques by distributing questionnaires and collecting literature as research reference material. Sampling using purposive sampling method and obtained samples of 50 college students. The data analysis method used in this study is a classical assumption test and multiple linear regression analysis using IBM SPSS Statistic data processing program version 25. The results showed that financial literacy negatively affects interest in using online loans, risk perception negatively affects interest in using online loans, consumptive behavior positively affects interest in using online loans, and financial literacy, risk perception, and wasteful behavior simultaneously affect interest in using online loans.
Authors and Affiliations
Fahlevy Kirana Khiba, Sri Utami Ady
Keywords
Related Articles
- EP ID EP727854
- DOI 10.47191/jefms/v6-i11-07
- Views 53
- Downloads 0
Sustaining Universal Health Coverage in Vietnam: Expanding Health Coverage for Informal Economy Workers
As of 2022, Vietnam's health insurance coverage has reached approximately 91% of the population. However, over 5.4 million informal workers have not participated in health insurance due to limited access to health servic...
Factors in Detecting Fraud: Study of a Public Accounting Firm in Surabaya
This study aims to obtain and understand empirical evidence about audit experience, professional skepticism of auditors and time pressure on auditors' ability to detect fraud. The research method used is quantitative by...
Strategic Management and Its Effect on Achieving Excellence among Leaders Working in Al-Quds Insurance Company
The study aimed to reveal the effect of strategic management in achieving excellence among the leaders working in Al-Quds insurance company. The researcher used the descriptive approach, and the study sample consisted of...
Stock Market Reaction of Pharmaceutical Sector Companies to the Announcement of the Covid 19 Endemic in Indonesia
The transition period from the pandemic to the endemic covid 19 in Indonesia had an impact on increasing the Jakarta Composite Index on the Indonesia Stock Exchange, however, the stock prices of pharmaceutical sector com...
The Effect of Competence and Job Characteristics on Employee Performance through Job Satisfaction: A Study at PG. Kebon Agung Malang
This study aims to describe Competencies, job characteristics, job satisfaction and employee performance, analyze the influence of Competencies and Job Characteristics on job satisfaction, analyze the influence of Compet...