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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 AstutySKSusilaningtyas Budiana KurniawatiSASyahriar Abdullah

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Overview

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/68a36a4f0a429f797332f16chttps://doi.org/10.62951/ijbmir.v2i2.143
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