Pinjaman Online di Era Digital: Tantangan dan Peluang Bagi Mahasiswa di Kabupaten Asahan
DOI:
https://doi.org/10.35870/jemsi.v11i5.5569Keywords:
Self-Efficacy, Fintech, Financial Literacy, Online Loans, FinancingAbstract
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.
Downloads
References
Abrianti, S., Anggraini, A. M. T., & Probondaru, I. P. (2024). Dampak pinjaman online bagi masyarakat: Mensejahterakan atau menyengsarakan? (Studi tentang pandangan masyarakat di wilayah Bintaro, Tangerang Selatan). UNES Law Review, 6(4), 10420–10431.
Aswirah, A., Arfah, A., & Alam, S. (2024). Perkembangan dan dampak financial technology terhadap inklusi keuangan di Indonesia: Studi literatur. Jurnal Bisnis Dan Kewirausahaan, 13(2), 180–186. https://doi.org/10.37476/jbk.v13i2.4642.
Baihaqi. (2024). Perkembangan pinjaman online terhadap pertumbuhan ekonomi masyarakat Pidie Jaya. Jurnal Al-Mizan: Jurnal Hukum Islam Dan Ekonomi Syariah, 11(1), 112.
Faradilla, A. T. (2024). Mengapa masyarakat mudah tertarik pinjol? Kemensos.go.id.
Guntur Fauzi, M., Manalu, A., & Theresia, Y. B. (2022). Perlindungan hukum bagi masyarakat yang melakukan pinjaman online ilegal: Legal protection for people who make illegal online loans. Lex Suprema, 4(1), 1069–1086.
Hidayat, R., Afrioza, S., Adnandi, M. A., Supriyanto, B. E., & Sunata, H. (2024). Dampak pinjaman online pada mahasiswa UYM. Journal of Economic and Digital Business, 1(1), 1–6.
Kusumaningsih, R., & Yulianingsih, D. (2023). Tantangan regulasi dan perlindungan hukum dalam pinjaman online. JISHUM: Jurnal Ilmu Sosial Dan Humaniora, 2(2), 163–178. https://doi.org/10.57248/jishum.v2i2.311.
Nurazkiyanti, S. A., Prihantono, P., & Nurjannah, S. (2023). Dampak pinjaman uang berbasis online terhadap kebutuhan finansial masyarakat di Kecamatan Pontianak Kota (Studi komparasi pinjaman online legal dan ilegal). Jurnal Keuangan Dan Perbankan Syariah, 2(2), 172–183. https://doi.org/10.24260/jkubs.v2i2.2056.
Paden, O., Sihombing, J. J., Irwan, A., Agusta, T., & Simanjuntak, D. A. (2024). Analisis dampak risiko pinjaman online terhadap mahasiswa. Jurnal Ilmiah Sistem Informasi, 4(1), 98–113. https://doi.org/10.46306/sm.v4i1.82.
Putri, S. I., & Priono, H. (2024). Pengaruh literasi keuangan, sosial, dan gaya hidup terhadap pengguna aplikasi pinjaman online. Journal of Economic, Business and Accounting (COSTING), 7(4). https://doi.org/10.31539/costing.v7i4.10795.
Rahmat, S., Nurdiana, N., Hasan, M., Nurjannah, N., & S, R. (2023). Pengaruh literasi keuangan terhadap pengelolaan keuangan pelaku usaha tani di Kota Makassar. Ideas: Jurnal Pendidikan, Sosial, Dan Budaya, 9(1), 317. https://doi.org/10.32884/ideas.v9i1.1120.
Rochendi, T., Rita, R., & Dhyanasaridewi, I. D. (2022). Pentingnya literasi keuangan bagi masyarakat. Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi Dan Bisnis, 11(1), 27–35. https://doi.org/10.56486/kompleksitas.vol11no1.200.
Rosadi, D. S., & Andriani, I. (2023). Hubungan impulsive buying dengan perilaku berhutang pada pengguna pinjaman online. JIMPS: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah, 8(4), 3655–3664.
Syauqi Maky, A., Anjani, A., Seftiani, A., Nanda Armesta, F., Susanti Soemantri, H., & Studi Magister Hukum, P. (2023). Abdi Laksana: Jurnal Pengabdian Kepada Masyarakat. Edukasi risiko pinjaman online dan pencegahannya dalam perlindungan hukum di Desa Ciracas Kecamatan Kiarapedes Kabupaten Purwakarta. 4, 841–855.
Utomo, S., Alfian, A., & Aprilia, L. (2022). Penegakan hukum terhadap aktivitas pinjaman online. Crepido, 4(2), 70–82. https://doi.org/10.14710/crepido.4.2.70-82.
Wijayanti, S. (2022). Dampak aplikasi pinjaman online terhadap kebutuhan dan gaya hidup konsumtif buruh pabrik. MIZANIA: Jurnal Ekonomi Dan Akuntansi, 2(2), 230–235. https://doi.org/10.47776/mizania.v2i2.592
Zahra, D. M., & Solekhani, S. K. (2024). Evaluasi kebijakan penyelenggaraan pinjaman online untuk menciptakan perlindungan menyeluruh kepada konsumen. INNOVATIVE: Journal Of Social Science Research, 4(2), 6395–6409.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Endra Saputra, Ahmad Muhazir, Nurya Anggi Br Tanjung
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.
