Nunun, Nunun and Junaidi, Junaidi and Jasman, Jasman (2026) The Influence of Digital Financial Literacy, Social Environment, and Financial Self Efficacy on Online Loans among Generation Z. Jurnal Penelitian Ekonomi dan Bisnis, 11 (1). pp. 26-41. ISSN 2460-4291
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Abstract
Abstract This study aims to describe and analyze the influence of digital financial literacy, social environment, and financial self-efficacy on individuals' decisions to take out online loans. The type of research is quantitative research. The population in this study is Generation Z. The sampling technique used primary data in the form of questionnaires, resulting in 80 respondents. The data collection method used Structural Equation Modeling (SEM) with AMOS 22 and SPSS 22 software. The research results show that: digital financial literacy has a negative and insignificant effect on online loans, the social environment has a positive but insignificant effect on online loans, financial self-efficacy has a positive but insignificant effect on online loans, digital financial literacy has an indirect (full mediation) effect on financial self-efficacy, and the social environment has an indirect (full mediation) effect on financial self-efficacy.
| Item Type: | Article | |||||||||
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| Uncontrolled Keywords: | Digital Financial Literacy, Social Environment, Financial Self Efficacy, Online Loans | |||||||||
| Subjects: | B Philosophy. Psychology. Religion > BF Psychology H Social Sciences > HG Finance |
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| Divisions: | Fakultas Ekonomi dan Bisnis > Manajemen | |||||||||
| Depositing User: | Nunun Sultan | |||||||||
| Date Deposited: | 23 Jul 2026 04:05 | |||||||||
| Last Modified: | 23 Jul 2026 04:05 | |||||||||
| URI: | http://repository.umpalopo.ac.id/id/eprint/6599 |
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