PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, INKLUSI KEUANGAN, RELIGIOSITAS, DAN PREFERENSI RISIKO TERHADAP KEPUTUSAN PENGGUNAAN PINJAMAN ONLINE PADA MAHASISWA D.I. YOGYAKARTA

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.

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	Text (PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, INKLUSI KEUANGAN, RELIGIOSITAS, DAN PREFERENSI RISIKO TERHADAP KEPUTUSAN PENGGUNAAN PINJAMAN ONLINE PADA MAHASISWA D.I. YOGYAKARTA) 20108030129_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (3MB) | Request a copy

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.

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