Mengukur Prilaku Pinjaman Online Melalui Literasi Keuangan Digital, Preferensi Risiko dan Faktor Demografi Sebagai Variabel Moderasi
Abstract
This study aims to measure the financial behavior of online loans through digital financial literacy variables, risk preferences and demographic factors. This research also looks at the positive interaction of digital financial literacy with financial behavior and risk preference with financial behavior and demographic factors as a moderation. The number of samples was selected using the convenience sampling method. The analytical method uses Structural Equation Modeling Partial Least Square (SEM PLS) analysis. The results of this study conclude that digital financial literacy and demographic factors have a significant effect on online loan financial behavior. Digital financial literacy has a significant effect on online loan financial behavior but demographic factors do not affect risk preference. Likewise, risk preference has no effect on online loan financial behavior. Demographic factors moderate digital financial literacy and financial behavior but demographic factors do not moderate risk preferences for online loan financial behavior.
ABSTRAK
Penelitian ini bertujuan untuk mengukur prilaku keuangan pinjaman online melalui variabel variabel literasi keuangan digital, preferensi risiko dan faktor demografi. Penelitian ini juga melihat interaksi positif dari literasi keuangan digital dengan prilaku keuangan dan preferensi risiko dengan prilaku keuangan dengan faktor demografi sebagai moderasinya. Jumlah sampel dipilih dengan menggunakan metode convenience sampling. Metode analisis menggunakan analisis Structural Equation Modelling Partial Least Square (SEM PLS). Hasil penelitian ini menyimpulkan bahwa literasi keuangan digital dan faktor demografi berpengaruh signifikan terhadap prilaku keuangan pinjaman online. Literasi keuangan digital berpengaruh signifikan terhadap prilaku keuangan pinjaman online tetapi faktor demografi tidak berpengaruh terhadap preferensi risiko. Demikian juga preferensi risiko tidak berpengaruh terhadap prilaku keuangan pinjaman online. Faktor demografi memoderasi literasi keuangan digital dan perilaku keuangan namun faktor demografi tidak memoderasi preferensi risiko terhadap prilaku keuangan pinjaman online.
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