The Influence of Financial Literacy, Lifestyle, and Social Pressure on UNPAB Management Students’ Decisions to use Online Loans
Abstract
This study analyzes the effect of financial literacy, lifestyle, and social pressure on the decision of Management students at UNPAB to use online loans, partially and simultaneously. A quantitative descriptive study with 100 active students (2022 cohort, accidental sampling). Data were collected via a 40-item five-point Likert questionnaire (validated and reliable) and analyzed using multiple linear regression in SPSS. Partially, financial literacy (Sig. 0.297), lifestyle (Sig. 0.313), and social pressure (Sig. 0.206) had no significant effect. Simultaneously, the three variables significantly affected the decision (F=12.478; Sig. 0.000), contributing 28.1% (R Square). The sample was limited to one cohort and one study program (accidental sampling); the relatively low R Square indicates other factors outside the model. Useful for personal financial management and higher education in designing financial education programs integrated with lifestyle and social resilience aspects.
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