Meneropong maraknya pinjaman online di kalangan mahasiswa: motif dan dampak terhadap perilaku konsumtif
DOI:
https://doi.org/10.26740/jim.v11n4.p821-832Kata Kunci:
iklan, perilaku konsumtif, kemudahan akses, minat pinjaman online, gaya hidupAbstrak
This research examines and analyzes the influence of lifestyle, advertising, and ease of access on consumptive behavior, as well as the influence of consumptive behavior on interest in online loans, and the influence of lifestyle on interest in online loans moderated by consumptive behavior. Quantitative methods have been used in this research with a population and research sample of 169 students with sampling using the Slovin formula. The statistical analysis used in this research is the Structural Equation Model (SEM) approach with the help of SmartPLS 3.0 software. The results of this research show that lifestyle influences consumer behavior. Apart from that, advertising and ease of access also have a positive and significant effect on consumer behavior. Meanwhile, consumer behavior also has a positive and significant effect on interest in online loans. Meanwhile, consumer behavior also moderates the relationship between lifestyle and online loans. The implications generated based on the research results show that students must pay attention to expenses for future needs, so that the dangerous impacts caused by online loans can be minimized during the study period.
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