%A NIM.: 21102040036 Nurul Alfiah
%O Dr. Hikmah Endraswati,S.E.,M.Si
%T PENGARUH PERILAKU KEUANGAN DAN RELIGIUSITAS TERHADAP PENGAMBILAN KEPUTUSAN PINJAMAN ONLINE PADA MAHASISWA UIN SUNAN KALIJAGA
%X The rapid development of financial technology, especially Online lending,
has created ethical and financial dilemmas among the younger generation in
Indonesia, especially students who often face financial instability. Data shows that
the majority of Pinjol customers are Generation Z and Millennials, and a significant
increase occurred in bad loan cases that are often associated with inhumane interest
practices (riba) and collection. This study aims to empirically analyze the influence
of Perilaku keuangan and Religiosity on Online Loan Decision Making in UIN
Sunan Kalijaga Students, Yogyakarta.
This quantitative research uses a field research approach with the entire
population of UIN Sunan Kalijaga students and samples 402 respondents through
purposive sampling techniques. The sample criteria are students with a bachelor's
degree in education (S1) aged 18-25 years old with a history of Pinjol experience
from any application that offers loans with an interest and tenor system. Primary
data were collected through a Likert scale questionnaire and analyzed using the
Multiple Linear Regression method.
The results of partial hypothesis testing showed that Perilaku keuangan had
a positive and significant effect on Loan Decision Making. These findings indicate
that cognitive bias and emotional bias encourage students to make Pinjol decisions
despite being aware of the risks. On the other hand, religiosity has a negative and
significant effect on Loan Decision Making. This confirms that the higher the
internalization of religious teachings, especially related to the prohibition of usury
and the practice of muamalah that is not in accordance with sharia, the less inclined
students are to use Pinjol.
%K Finansial, Pinjaman Online, Mahasiswa
%D 2026
%I UIN SUNAN KALIJAGA YOGYAKARTA
%L digilib75725