Published: 2025-10-01

Pinjaman Online di Era Digital: Tantangan dan Peluang Bagi Mahasiswa di Kabupaten Asahan

DOI: 10.35870/jemsi.v11i5.5569

Endra Saputra, Ahmad Muhazir, Nurya Anggi Br Tanjung
  • Endra Saputra: Universitas Royal
  • Ahmad Muhazir: Universitas Royal
  • Nurya Anggi Br Tanjung: Universitas Royal

Abstract

The objective of this study is to provide education and understanding, as well as to identify the challenges and opportunities of online loans in the Digital Era, particularly for students in Asahan Regency. This study employs a Mixed Method approach, combining quantitative research with an analytical cross-sectional design and qualitative research to strengthen the quantitative data through semi-structured interviews, also known as focus group discussions (FGD). The population of this study consists of university students in Asahan Regency, using primary data collected via questionnaires. The sample size used in this study is 100 respondents. Data processing is conducted using SPSS software, with multivariate analysis through multiple regression. Research findings explain that there is not a positive and significant correlation between financial literacy and self-efficacy on student decisions to use online loans, but for user behavior and financial conditions there is positive and significant correlation on students' decisions to use online loans.

Keywords

Self-Efficacy ; Fintech ; Financial Literacy ; Online Loans ; Financing

Peer Review Process

This article has undergone a double-blind peer review process to ensure quality and impartiality.

Indexing Information

Discover where this journal is indexed at our indexing page to understand its reach and credibility.

Open Science Badges

This journal supports transparency in research and encourages authors to meet criteria for Open Science Badges by sharing data, materials, or preregistered studies.

Issue Cover

Downloads

Article Metrics

If the link doesn't work, copy the DOI or article title for manual search (API Maintenance).

Share:
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 11 No. 5 (2025)

  • Section: Articles

  • Published: October 1, 2025

AI Research Hub

This article is indexed and available through various AI-powered research tools and citation platforms. Our AI Research Hub ensures that scholarly work is discoverable, accessible, and easily integrated into the global research ecosystem. By leveraging artificial intelligence for indexing, recommendation, and citation analysis, we enhance the visibility and impact of published research.

Semantic Scholar Scite Dimensions Connected Papers

Similar Articles

You may also start an advanced similarity search for this article.