Pengaruh Literasi Keuangan dan Tingkat Pendidikan Terhadap Penggunaan Pinjaman Online Dengan Risiko Kredit Sebagai Variabel Moderasi

Ida Bagus Ade Putra Mulyawan; Gde Herry Sugiarto Asana; Laras Oktaviani

doi:10.59086/jam.v4i1.739

Authors

Ida Bagus Ade Putra Mulyawan Universitas Triatma Mulya
Gde Herry Sugiarto Asana Universitas Triatma Mulya
Laras Oktaviani Universitas Triatma Mulya

DOI:

https://doi.org/10.59086/jam.v4i1.739

Keywords:

financial literacy, education level, online loan, credit risk, MSMEs

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan tingkat pendidikan terhadap penggunaan pinjaman online, dengan risiko kredit sebagai variabel moderasi. Kebaruan penelitian ini terletak pada integrasi variabel risiko kredit dalam memoderasi hubungan antara literasi keuangan dan tingkat pendidikan terhadap keputusan penggunaan pinjaman online pada pelaku Usaha Mikro, Kecil, dan Menengah (UMKM). Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui kuesioner terhadap 99 pelaku UMKM di Kecamatan Denpasar Barat yang dipilih menggunakan teknik accidental sampling. Teknik analisis data yang digunakan adalah Moderated Regression Analysis (MRA) dengan bantuan perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan dan tingkat pendidikan berpengaruh positif terhadap penggunaan pinjaman online. Selain itu, risiko kredit terbukti mampu memoderasi pengaruh literasi keuangan dan tingkat pendidikan terhadap penggunaan pinjaman online. Kesimpulan dari penelitian ini menegaskan pentingnya peningkatan literasi keuangan dan pendidikan formal dalam pengambilan keputusan finansial digital. Implikasi teoritis dari penelitian ini memperluas pemahaman tentang peran faktor internal UMKM terhadap pembiayaan digital, sementara implikasi praktisnya memberikan acuan bagi pembuat kebijakan dan lembaga keuangan dalam merancang program edukasi dan pembiayaan yang lebih inklusif.This study aims to analyze the effect of financial literacy and education level on the use of online loans, with credit risk as a moderating variable. The novelty of this research lies in incorporating credit risk as a moderating factor in the relationship between financial literacy, education level, and the decision to use online loans among Micro, Small, and Medium Enterprises (MSMEs). A quantitative approach with a survey method was employed. Data were collected through questionnaires distributed to 99 MSME actors in West Denpasar District, selected using accidental sampling. The data were analyzed using Moderated Regression Analysis (MRA) with SPSS software. The results indicate that both financial literacy and education level positively influence online loan usage. Furthermore, credit risk significantly moderates the influence of financial literacy and education level on the use of online loans. The study concludes that enhancing financial literacy and formal education is crucial in digital financial decision-making. Theoretically, this study contributes to the understanding of internal MSME factors in digital financing behavior, while practically, it provides insights for policymakers and financial institutions in developing more inclusive financial literacy and credit risk management programs.

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