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Faktor-Faktor Yang Mempengaruhi Keputusan Individu Menggunakan Jasa Pinjaman Online Dan Dampaknya Terhadap Kondisi Ekonomi Individu

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"Goal : “To identify the factors influencing individuals' decisions to choose loan
services and analyze their impact on family economic welfare in Bogor.”
Background : This study aims to identify and analyze various factors influencing
individuals' decisions to use online loan services and explore their impacts on their
economic conditions, particularly in the Bogor Raya region. Online loan services
have gained increasing popularity among the public but also carry risks that need
to be addressed. By employing a quantitative approach, this research collects data
through questionnaires distributed to respondents from diverse demographic
backgrounds in Indonesia.The factors examined include the ease and speed of the
administrative process, the level of technology accessibility, financial literacy, and
individual religiosity. Through data analysis using Structural Equation Modeling
(SEM), the results indicate that all these factors significantly contribute to
individuals' decisions to utilize online loan services. This research finds that
administrative ease and digital accessibility serve as the main drivers for choosing
online loans over conventional financial services. Furthermore, the impact of
online loan usage on individual economic conditions is also analyzed. The findings
suggest thatresponsible usage can enhance financial stability and assist individuals
in meeting urgent needs. However, financial risks may arise due to poor debt
management practices. This study is expected to provide significant contributions
to a deeper understanding of community financial behavior and to serve as a
foundation in formulating policies that can protect consumers and improve
financial literacy within society.
Methode : This study employs a quantitative approach using Structural Equation
Modeling–Partial Least Squares (SEM-PLS) to analyze the factors influencing
individual decisions to use online loans and their impact on economic conditions.
SEM-PLS is chosen for its ability to examine relationships between latent variables
simultaneously, even when the data are not normally distributed. This method allows
for the analysis of the influence of variables such as administrative ease, technology
accessibility, financial literacy, religiosity, and debt risk on individual decision￾making and the resulting economic stability.
Fact/Finding : The findings of the research indicate that all factors examined,
including administrative ease and speed, technology accessibility, financial
literacy, and religiosity, have a significant impact on individuals' decisions to use
online loan services. The study also finds that while online loan usage can provide
quick access to funds, there are tangible negative consequences for
individuals'economic conditions, such as increased debt burdens and financial
instability.Therefore, stricter policies and effective financial education are needed
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to assist the community in managing the risks associated with online loans"

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Availability

Detail Information

Series Title

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Call Number

REF 332.7 FIR f

Publisher

Bogor : Universitas Tazkia., 2025

Collation

MES

Language

Indonesia

ISBN/ISSN

NIM.2320405023

Classification

332.7

Content Type

-

Media Type

-

Carrier Type

-

Edition

-

Subject(s)

religiosity
Economic Conditions
Financial Literacy
Financial Stability
Online loans
individual decision-making
administrative ease
technology accessibility
debt risks
economic impact.

Specific Detail Info

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Statement of Responsibility

Ahmad Firdaus

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