Pengaruh Financial Literacy dan Tingkat Hedonisme Terhadap Minat Pengguna Pinjaman Online pada Generasi Z

Abstract

This study examines the influence of financial literacy and hedonism on Generation Z's interest in using online loans. A quantitative approach with causality methods was employed, involving 100 Generation Z respondents who are online loan users in Palembang City, selected through convenience sampling. Data were collected via a questionnaire and analyzed using multiple linear regression with SPSS. Results indicate that financial literacy negatively and significantly influences interest in online loans; higher financial understanding correlates with a lower tendency to use such loans. Additionally, the level of hedonism also showed a significant negative influence, contrary to the initial hypothesis of a positive effect. The coefficient of determination (R²) of 22.7% suggests that 77.3% of the variation in interest in online loans is influenced by factors outside this study. These findings highlight the need to improve financial literacy among Generation Z to reduce reliance on online loans and suggest further research to identify other factors affecting this interest.