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August 17, 2025

The Influence of Students' Financial Understanding and Life Style on Interest in Using Technology-Based Loans (Pinjol) in the Era of Financial Services Digitalization

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Authors

DADinda Mutiara AstutyUniversitas Tunas PembangunanSKSusilaningtyas Budiana KurniawatiUniversitas Tunas PembangunanSASyahriar AbdullahUniversitas Tunas Pembangunan

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Implication

Quantitative analysis shows lifestyle significantly affects interest in online loans for students, indicating necessary focus on responsible usage.

Key Points

  • Lifestyle significantly influences students' interest in using online loans, while financial understanding does not.
  • Students' consumptive lifestyle patterns lead to higher interest in online loan usage compared to financial literacy levels.
  • Primary data was collected through questionnaires from students, supporting a comprehensive analysis of the findings.
  • Effective education on managing lifestyle habits is essential to promote responsible use of loan services among students.

Cite This Study

Astuty et al. (2025) studied this question.

synapsesocial.com/papers/68c23652b210217d647741a7https://doi.org/10.62951/ijbmir.v2i2.143
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1The Influence of Online Loans on Consumer Behavior of the Community in Dendang Sub-District2025
  2. 2Exploring the Link between Financial Behavior, Financial Stress, and Online Loans among Urban Workers in Medan2025
  3. 3A REVIEW OF ONLINE LOAN REPAYMENT ABILITY TOWARDS THE LIFESTYLE AND FINANCIAL LITERACY OF GEN Z GENERATION2025
  4. 4Factors That Affect The Consumptive Behavior of Paylater Users2025
  5. 5Understanding of Students Regarding Paylater Services and Its Impact on Usage Decisions2025