Determinasi pinjaman online di kalangan mahasiswa dengan digital financial literacy sebagai pemoderasi
Info Katalog
File Repositori
Subyek : Financial literacy - Digital;Electronic reserve collections in libraries
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2026
Pembimbing 1 : Harti Budi Yanti
Pembimbing 2 : Harti Budi Yanti
Kata Kunci : performance expectancy, effort expectancy, social Influence, facilitating condition, digital financi
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2026_TS_MAK_123012311010_Halaman-Judul.pdf | 13 | |
| 2. | 2026_TS_MAK_123012311010_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2026_TS_MAK_123012311010_Surat-Hasil-Similaritas.pdf | 1 | |
| 4. | 2026_TS_MAK_123012311010_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
| 5. | 2026_TS_MAK_123012311010_Lembar-Pengesahan.pdf | 4 | |
| 6. | 2026_TS_MAK_123012311010_Pernyataan-Orisinalitas.pdf | 1 | |
| 7. | 2026_TS_MAK_123012311010_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2026_TS_MAK_123012311010_Bab-1.pdf | 11 | |
| 9. | 2026_TS_MAK_123012311010_Bab-2.pdf | 23 |
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| 10. | 2026_TS_MAK_123012311010_Bab-3.pdf | 6 |
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| 11. | 2026_TS_MAK_123012311010_Bab-4.pdf | 34 |
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| 12. | 2026_TS_MAK_123012311010_Bab-5.pdf | 4 | |
| 13. | 2026_TS_MAK_123012311010_Daftar-Pustaka.pdf | 7 | |
| 14. | 2026_TS_MAK_123012311010_Lampiran.pdf | 43 |
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P Penelitian ini bertujuan untuk menganalisis geterminasi pinjaman online di kalangan mahasiswa dengan digital financial literacy sebagai pemoderasi. penelitian ini menggunakan pendekatan kuantitatif dengan sifat deskriptif dan asosiatif. pengumpulan data dilakukan menggunakan metode survei dengan instrumen kuesioner. penelitian dilaksanakan selama dua bulan, yaitu agustus hingga september 2025. pengukuran instrumen menggunakan skala interval 1-6. populasi pada kajian ini adalah mahasiswa yang menggunakan layanan pinjaman online di jakarta. pada penelitian ini, peneliti memilih simple random sampling. berdasarkan perhitungan sampel diperoleh 220 responden yang akan dianalisis. metode analisis yang digunakan adalah structural equation modelling memanfaatkan partial least square. hasil penelitian menunjukkan bahwa performance expectancy, effort performance, social influence, facilitating condition dan financial digital literacy berpengaruh positif dan signifikan terhadap behavioral intention. pada pengujian moderasi, diketahui jika financial digital literacy mampu memperkuat (positif) pengaruh performance expectancy, social influence dan facilitating condition terhadap behavioral intention. sedangkan financial digital literacy tidak mampu memoderasi pengaruh effort expectancy terhadap behavioral intention. sosialisasi mengenai keamanan digital, manajemen pinjaman, risiko bunga, serta cara mengevaluasi platform perlu dilakukan melalui seminar, modul edukatif, atau fitur pembelajaran dalam aplikasi. peningkatan literasi ini akan membuat mahasiswa lebih mampu menangkap manfaat teknologi secara tepat dan aman.
T This study aims to analyze the determinants of online lending among university students, with digital financial literacy serving as a moderating variable. the research employs a quantitative approach with descriptive and associative characteristics. data were collected through a survey method using a questionnaire as the research instrument. the study was conducted over a two-month period, from august to september 2025. the measurement of the instrument used an interval scale ranging from 1 to 6. the population of this study consists of university students in jakarta who use online lending services. simple random sampling was applied, resulting in 220 respondents for analysis. the data analysis method used was structural equation modeling (sem) utilizing partial least squares (pls). the results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, and digital financial literacy have a positive and significant effect on behavioral intention. in the moderation analysis, digital financial literacy was found to strengthen (positively) the effects of performance expectancy, social influence, and facilitating conditions on behavioral intention. however, digital financial literacy does not moderate the effect of effort expectancy on behavioral intention. therefore, socialization related to digital security, loan management, interest rate risks, and methods for evaluating online lending platforms needs to be carried out through seminars, educational modules, or in-app learning features. improving digital financial literacy will enable students to better recognize and utilize the benefits of technology in an appropriate and safe manner.
