Analisis Pengaruh Financial Literacy, Consumptive Behaviour, Dan Risk Perceptions Terhadap Keputusan Penggunaan Pinjaman Daring Adakami Di Kota Medan

Abstract

Peer to Peer Lending is the Fintech with the fastest progress in Indonesia, the growth of P2P Lending in Indonesia increased by 21.98% year on year (YoY), This triggered many online lending companies, both legal and illegal. This study aims to determine the influence of financial literacy, consumptive behavior, and risk perceptions on the decision to use Adakami online loans in Medan City. This type of research is associative research. The population in this study is the people of Medan City who have used Adakami online loans whose number is unknown. In this study, samples were taken by non-probability sampling with the type of accidental sampling. The data analysis used was descriptive analysis and multiple linear regression analysis using the Statistical Package for Social Science (SPSS). The results of the study showed that partially financial literacy and risk perceptions had a positive and insignificant effect, and only consumptive behavior had a positive and significant effect on the decision to use Adakami's online loans in Medan City