Potensi Masalah Pinjaman Online Akibat Ilitrasi Keuangan Indonesia

https://doi.org/10.35912/simo.v6i1.3870
Published: Apr 17, 2025

Abstract:

Purpose: The objectives of this study are: to examine the influence of financial literacy on financial attitudes, financial literacy on self-efficacy, financial attitudes on financial skills, self-efficacy on financial skills and financial skills on financial behavior.

Methodology: This research is a quantitative research. The data source used in the research process is primary data. The population in this study is all Micro, Small and Medium Enterprises (MSMEs) in Lampung Province. Sampling in this study uses the purposive sampling method with the following criteria: 1. MSMEs that have been run for at least 6 months, 2. MSMEs that sell food and beverages, 3. MSMEs whose source of funds comes from online loans. Using the Slovin formula, the sample used was 200 respondents. Statistical tests use AMOS 24 with the Structural Equation Model (SEM) approach.

Result: The results of the study showed that financial literacy had an effect on financial attitudes, financial literacy had an effect on self-efficacy, self-efficacy had an effect on financial skills and financial skills had an effect on financial behavior. While financial attitudes have no effect on financial skills.

Conclusion: The Financial Literacy variable has an effect on the Financial Attitude variable, the Financial Literacy variable has an effect on the Self-Efficacy variable.

Limitations:. The sample of this study is only limited to food and beverage MSMEs in Lampung Province, it is hoped that future research can use a wider and more sample.

Contribution: The impact for MSMEs due to low financial illiteracy is difficulties in making financial statements, conducting financial records and managing debts. As a result, many MSMEs are often late in paying and are subject to fines. Even if MSMEs are unable to pay the loan, they will be included in the Financial Services Authority (OJK) blacklist.

Keywords:
1. Financial Intervention
2. Financial Attitude
3. MSMEs
4. Online Loans
5. Self efficiacy
Authors:
1 . Syara Purnama Sari
2 . Lailatul Qodri
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How to Cite
Sari, S. P. ., & Qodri, L. . (2025). Potensi Masalah Pinjaman Online Akibat Ilitrasi Keuangan : Indonesia. Studi Ilmu Manajemen Dan Organisasi, 6(1), 211–218. https://doi.org/10.35912/simo.v6i1.3870
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Vol. 6 No. 1 (2025): April
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References

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    Arquero, J. L., Fernández-Polvillo, C., & Jiménez-Cardoso, S. M. (2024). Financial literacy in tourism and management & business administration entry-level students: A comparative view. Journal of Hospitality, Leisure, Sport and Tourism Education, 34(February 2023). https://doi.org/10.1016/j.jhlste.2023.100474

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  1. Akande, J. O., Hosu, Y. S., Kabiti, H., Ndhleve, S., & Garidzirai, R. (2023). Financial literacy and inclusion for rural agrarian change and sustainable livelihood in the Eastern Cape, South Africa. Heliyon Journal Homepage: Www.Cell.Com/Heliyon Research, 9(6), e16330. https://doi.org/10.1016/j.heliyon.2023.e16330
  2. Ananda, C., Madyoningrum, A. W., Sari, S. P., & Shafitranata, S. (2024). Pengaruh Sales Growth, Likuiditas, dan Aset Tangibility terhadap Struktur Modal. Studi Akuntansi, Keuangan, Dan Manajemen (SAKMAN), 4(1), 33–43. https://doi.org/10.35912/sakman.v4i1.3082
  3. Ankrah Twumasi, M., Essilfie, G., Ntiamoah, E. B., Xu, H., & Jiang, Y. (2023). Assessing financial literacy and food and nutritional security relationship in an African country. Heliyon, 9(9), e19573. https://doi.org/10.1016/j.heliyon.2023.e19573
  4. Arquero, J. L., Fernández-Polvillo, C., & Jiménez-Cardoso, S. M. (2024). Financial literacy in tourism and management & business administration entry-level students: A comparative view. Journal of Hospitality, Leisure, Sport and Tourism Education, 34(February 2023). https://doi.org/10.1016/j.jhlste.2023.100474
  5. Brilianti, T. R., & Lutfi, L. (2020). pengalaman keuangan , dan pendapatan terhadap perilaku keuangan keluarga. Journal of Business and Banking, 9(2), 197–213.
  6. Callis, Z., Gerrans, P., Walker, D. L., & Gignac, G. E. (2023). The association between intelligence and financial literacy: A conceptual and meta-analytic review. Intelligence Journal Homepage: Www.Elsevier.Com/Locate/Intell, 100(June), 101781. https://doi.org/10.1016/j.intell.2023.101781
  7. Choi, I., & Kim, W. C. (2023). Enhancing financial literacy in South Korea: Integrating AI and data visualization to understand financial instruments’ interdependencies. Societal Impacts, Published by Elsevier Ltd, 1(1–2), 100024. https://doi.org/10.1016/j.socimp.2023.100024
  8. Darmawan, A., & Pratiwi, F. A. (2020). Pengaruh Pendidikan Keuangan Keluarga , Pembelajaran Keuangan di Perguruan Tinggi , Sikap Keuangan dan Teman Sebaya Terhadap Literasi Keuangan Mahasiswa. Fokus Bisnis: Media Pengkajian Manajemen Dan Akuntansi. Http://Journal.Stieputrabangsa.Ac.Id/Index.Php/Fokbis/Index, 19(1), 27–37. https://doi.org/10.32639/fokusbisnis.v19i1.499
  9. Erawati, T., & Lende, Y. N. (2023). Pengaruh Self Effycacy Terhadap Perilaku Manajemen Keuangan Mahasiswa. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi ) Universitas, Rahma 2022, 986–997.
  10. Fasha, A., Anggraini, R., Ramadani, A. G., & Purwianti, L. (2024). Transformation of Consumer ’ s Coffee Consumption Behaviour in Batam. Jurnal Akuntansi, Keuangan, Dan Manajemen (JAKMAN), 6(1), 135–150.
  11. Gignac, G. E., Jones, C., Mason, N., Yuen, I., & Zajenkowski, M. (2023). Predicting attitudes toward cryptocurrencies and stocks: The divergent roles of narcissism, intelligence and financial literacy. Journal Homepage: Www.Elsevier.Com/Locate/Paid Predicting, 215(June), 112382. https://doi.org/10.1016/j.paid.2023.112382
  12. Ha, D., ?ensoy, A., & Phung, A. (2023). Empowering mobile money users: The role of financial literacy and trust in Vietnam. Borsa Istanbul, Journal Homepage: Www.Elsevier.Com/Journals/Borsa-Istanbul-Review/2214-8450 Empowering, 23(6), 1367–1379. https://doi.org/10.1016/j.bir.2023.10.009
  13. Khoiriah, N., Yusda, D. D., Oktaria, E. T., & Hairudin, H. (2024). Peran Kredit Usaha Rakyat (KUR) terhadap Perkembangan UMKM (Studi Kasus Bank BRI Unit Kedaton). Jurnal Akuntansi, Keuangan, Dan Manajemen (JAKMAN), 5(2), 111–119. https://doi.org/10.35912/jakman.v5i2.2383
  14. Molina-García, A., Cisneros-Ruiz, A. J., López-Subires, M. D., & Diéguez-Soto, J. (2023). How does financial literacy influence undergraduates’ risk-taking propensity? International Journal of Management Education, 21(3). https://doi.org/10.1016/j.ijme.2023.100840
  15. Putri, G. M., Koesoemasari, D. S. P., & Rokhayati, I. (2024). Literasi , Sikap , Inklusi , Perencanaan Keuangan terhadap Perilaku Manajemen Keuangan UMKM Batik di Kabupaten Purrbalingga Goodwood Akuntansi Dan Auditing Reviu (GAAR), 3(1), 1–13. https://doi.org/10.35912/gaar.v3i1.3344
  16. Rayo, E. F., Rayo, N. M., & Mandagi, D. W. (2024). Social Media Marketing as a Key Determinant of Brand Gestalt and Brand Personality. Studi Ilmu Manajemen Dan Organisasi (SIMO), 5(2), 297–314. https://doi.org/10.35912/simo.v5i2.3542
  17. Septiani, R. N., & Wuryani, E. (2020). Pengaruh Literasi Keuangan Dan Inklusi Keuangan Terhadap Kinerja UMKM Di Sidoarjo. E-Jurnal Manajemen, 9(8), 3214–3236.
  18. Sjahruddin, H., Anton Priyo Nugroho, J. V., & Agustina., W. (2023). Theory of planed behavior terhadap niat investasi dengan literasi keuangan sebagai moderasi. Edunomika Vol 7 No.02 2023, 07(02), 31–41.
  19. Surya, N., & Evelyn. (2023). Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Risky Credit Behaviour dalam Penggunaan PayLater. Jurnal Manajemen Dan Keuangan, 12(1), 37–60. https://doi.org/10.33059/jmk.v12i1.5825
  20. Suyono, A., Nurhuda, N., & Sari, M. (2023). Peningkatan Literasi Keuangan dan Kepedulian Ekonomi Anak berbasis Pretend Play bagi Orang Tua. Studi Akuntansi, Keuangan, Dan Manajemen (SAKMAN), 3(1), 9–17. https://doi.org/10.35912/sakman.v3i1.2252
  21. Syara, S., Anuar, S., & Fionita., I. (2023). The Effect of Financial Literacy on the Online Loan Users’ Behavior (Danabijak) through Financial Attitude as an Intervening Variable. International Journal of Science and Society, 5(5), 1–24. https://doi.org/10.54783/ijsoc.v5i5.864
  22. Usmayanti, V., & Kadar, M. (2022). Analisis Sistematis Penelitian Literasi Keuangan. Jurnal Ilmiah Manajemen Dan Kewirausahaan (JUMANAGE), 1(1), 19–28. https://doi.org/10.33998/jumanage.2022.1.1.28
  23. Yang, J., Wu, Y., & Huang, B. (2023). Digital finance and financial literacy: Evidence from Chinese households. Journal of Banking and Finance Journal Homepage: Www.Elsevier.Com/Locate/Jbf Digital, 156(September). https://doi.org/10.1016/j.jbankfin.2023.107005
  24. Yunista, E., Sari, N., Anam, A. K., Manajemen, P. S., Nahdlatul, U. I., Anam, A. K., Perilaku, K., & Diri, E. (2021). Sikap Keuangan , Kontrol Perilaku , Efikasi Diri dan Perilaku Keuangan. Organum: Jurnal Saintifik Manajemen Dan Akuntansi Sikap, 04(01). http://dx.doi.org/10.35138/organum.v4i1.134
  25. Zanra, S., & Sufnirayanti, S. (2024). Pengaruh Persepsi Kemudahan, Lingkungan Sosial dan Literasi Keuangan terhadap Minat Penggunaan QRIS. Jurnal Akuntansi, Keuangan, Dan Manajemen (JAKMAN), 5(3), 177–192. https://doi.org/10.35912/jakman.v5i3.3122