Pengaruh Literasi Keuangan, Gaya Hidup, Faktor Sosial dan Risiko Terhadap Keputusan Penggunaan Pinjaman Online di Provinsi Kalimantan Tengah
Keywords:
financial literacy, lifestyle, social factors, risk, online loansAbstract
This study examines the influence of financial literacy, lifestyle, social factors, and risk on online loan usage decisions in Central Kalimantan Province. Using a quantitative approach with logistic regression analysis on 100 respondents selected through purposive sampling, the findings reveal that financial literacy has a negative and significant effect (β = -0.2675; p = 0.0026), while lifestyle has a positive and significant effect (β = 0.5050; p = 0.0000) on online loan usage decisions. However, social factors (β = -0.1842; p = 0.1158) and risk (β = 0.0879; p = 0.3991) do not show significant partial effects. Simultaneously, all independent variables significantly influence online loan usage decisions with McFadden R² = 0.6167. These results provide important implications for financial literacy education strategies and consumer protection in the digital financial ecosystem, particularly in regions with below-average financial literacy levels such as Central Kalimantan.
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