PENGARUH PERILAKU KEUANGAN DAN RELIGIUSITAS TERHADAP PENGAMBILAN KEPUTUSAN PINJAMAN ONLINE PADA MAHASISWA UIN SUNAN KALIJAGA

Nurul Alfiah, NIM.: 21102040036 (2026) PENGARUH PERILAKU KEUANGAN DAN RELIGIUSITAS TERHADAP PENGAMBILAN KEPUTUSAN PINJAMAN ONLINE PADA MAHASISWA UIN SUNAN KALIJAGA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

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.

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