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September 10, 2025JMRI Journal of Multidisciplinary Research and Innovation

A Review of Online Loan Repayment Ability Towards the Lifestyle and Financial Literacy of Gen Z Generation

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Authors

NSNovitasari SimanjuntakBadan Penelitian dan Pengembangan Kesehatan

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Implication

Quantitative survey reveals financial literacy and lifestyle significantly influence online loan repayment capacity in Gen Z.

Key Points

  • Financial literacy significantly improves the ability of Generation Z to repay online loans, enhancing financial management skills.
  • Lifestyle choices positively contribute to Generation Z's capacity to meet online loan obligations, indicating the need for responsible living.
  • The study involved a survey of 100 Gen Z participants in Medan, employing multiple linear regression to analyze the data.
  • Improving financial literacy and adopting better lifestyle practices may enable the younger generation to manage their finances more effectively.

Cite This Study

Novitasari Simanjuntak (2025) studied this question.

synapsesocial.com/papers/68c23cf6b210217d6478c087https://doi.org/10.61240/jmri.v3i2.106
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Also Consider

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

  1. 1Financial Behavior of Generation Z in Indonesia: Impact of Literacy, Technology and Lifestyle2025 · 4 citations
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  3. 3ONLINE LOANS AND ONLINE GAMBLING IN THE CONSUMERIST REALITY OF GENERATION Z: A MIXED-METHODS PERCEPTION STUDY2025
  4. 4Financial Behavior of Gen Z Students: Digital Lifestyle, FoMo, and Financial Literacy2025 · 4 citations
  5. 5The Influence of Students' Financial Understanding and Life Style on Interest in Using Technology-Based Loans (Pinjol) in the Era of Financial Services Digitalization2025