PINJAMAN ONLINE: PENGETAHUAN, TABUNGAN, ASURANSI, DAN INVESTASI
DOI:
https://doi.org/10.30997/jsh.v12i2.4683Keywords:
Perilaku Konsumen, Teknologi Keuangan, Tingkat PendapatanAbstract
Dampak literasi keuangan yang rendah terhadap risiko penggunaan layanan pinjaman online sangatlah signifikan. Perkembangan teknologi layanan teknologi keuangan yang begitu pesat, tidak sejalan dengan tingkat pengetahuan, tabungan, asuransi, dan investasi para penggunanya. Penelitian ini bertujuan untuk mengungkap dimensi literasi keuangan para pengguna layanan pinjaman online pada kategori usia 19 sampai dengan 34 tahun. Metode yang digunakan adalah deskriptif kuantitatif dengan menggunakan data primer pada pengguna layanan pinjaman online di Kota Bogor. Hasil penelitian menungjukkan bahwa para pengguna layanan pinjaman online memiliki tingkat literasi keuangan yang tergolong tinggi. Sedikit pengguna layanan pinjaman online yang berpenghasilan lebih dari 5 juta rupiah per bulan. Perluasan objek penelitian dan jumlah responden dapat dilakukan pada penelitian serupa dimasa yang akan datang.
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