@phdthesis{digilib64637,
           month = {February},
           title = {PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, INKLUSI KEUANGAN, RELIGIOSITAS, DAN PREFERENSI RISIKO TERHADAP KEPUTUSAN PENGGUNAAN PINJAMAN ONLINE PADA MAHASISWA D.I. YOGYAKARTA},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 20108030129 Atani Salma},
            year = {2024},
            note = {Pembimbing: Hilmy Baroroh, S.E.I.,M.E.K},
        keywords = {Kemudahan, Inklusi, Religiositas Dan Keputusan Pinjaman Online},
             url = {https://digilib.uin-suka.ac.id/id/eprint/64637/},
        abstract = {This study aims to analyse the influence between perceived ease of use, financial inclusion, religiosity, and risk preferences on decisions to use online loans for students in the Special Region of Yogyakarta. Data collection was conducted through purposive sampling technique with a total of 120 respondents, and analysis using structural equation modelling-partial least squares (SEM-PLS) method. The results showed that perceived ease of use, financial inclusion, and risk preference had a positive and significant effect on the decision to use online loans. Meanwhile, religiosity has a negative and insignificant influence on the decision to use online loans for students in the Special Region of Yogyakarta.}
}