PENGARUH LITERASI KEUANGAN DAN RISIKO GAGAL BAYAR TERHADAP KEPUTUSAN PENGGUNA PINJAMAN ONLINE (STUDI PADA GENERASI MILLENIAL DAN GENERASI Z DI MADIUN)

Muzakiyah, Niswatul (2024) PENGARUH LITERASI KEUANGAN DAN RISIKO GAGAL BAYAR TERHADAP KEPUTUSAN PENGGUNA PINJAMAN ONLINE (STUDI PADA GENERASI MILLENIAL DAN GENERASI Z DI MADIUN). S1 thesis, Universitas PGRI Madiun.

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Abstract

This study aims to provide empirical evidence about the Effect of Financial Literacy and Risk of Default on Online Loan User Decisions (Study on Millennials and Generation Z in Madiun. This research uses Quantitative research methods. The population of this study were millennials and generation Z in Madiun as many as 160 people through questionnaires. The research data collection technique used Nonprobability Sampling technique with sampling method using Purposive Sampling. This research data analysis method uses Multiple Linear Regression analysis using the SPSS 27 program. Data analysis was carried out using the Classical Assumption Test, Multiple Linear Regression Test, t test, and F test. The results of this study prove that 1) Financial Literacy has a positive and significant effect on Online Loan User Decisions in millennials and generation Z in Madiun. 2) Risk of default has no significant effect on Online Loan User Decisions in millennials and generation Z in Madiun. 3) Financial Literacy and Default Risk simultaneously have a positive and significant effect on Online Loan User Decisions in millennials and generation Z in Madiun. Keywords: Financial Literacy, Default Risk and Online Loan User Decision

Item Type:	Thesis/Skripsi/Tugas Akhir (S1)
Kata Kunci:	Keywords: Financial Literacy, Default Risk and Online Loan User Decision
Subjects:	A Social Sciences > HG Finance A Social Sciences > HJ Public Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	NISWATUL MUZAKIYAH NISWATUL
Date Deposited:	08 Oct 2024 05:57
Last Modified:	08 Oct 2024 05:57
URI:	http://eprint.unipma.ac.id/id/eprint/2249

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