relation: https://digilib.uin-suka.ac.id/id/eprint/64637/ title: PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, INKLUSI KEUANGAN, RELIGIOSITAS, DAN PREFERENSI RISIKO TERHADAP KEPUTUSAN PENGGUNAAN PINJAMAN ONLINE PADA MAHASISWA D.I. YOGYAKARTA creator: Atani Salma, NIM.: 20108030129 subject: Manajemen Keuangan Syariah description: 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. date: 2024-02-26 type: Thesis type: NonPeerReviewed format: text language: id identifier: https://digilib.uin-suka.ac.id/id/eprint/64637/1/20108030129_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf format: text language: id identifier: https://digilib.uin-suka.ac.id/id/eprint/64637/2/20108030129_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf identifier: Atani Salma, NIM.: 20108030129 (2024) PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, INKLUSI KEUANGAN, RELIGIOSITAS, DAN PREFERENSI RISIKO TERHADAP KEPUTUSAN PENGGUNAAN PINJAMAN ONLINE PADA MAHASISWA D.I. YOGYAKARTA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.