Pengaruh Gaya Hidup, Tingkat Pendapatan dan Persepsi Risiko terhadap Keputusan Penggunaan Shopeepay Pinjaman Online (Studi Kasus pada Mahasiswa Universitas Sumatera Utara)

Abstract

This study aims to analyze the influence of lifestyle, income level, and risk perception on the decision to use ShopeePay Online Loans among students of Universitas Sumatera Utara. Online loan services have become an alternative financial solution for students who face urgent financial needs; however, their use also carries certain risks that must be carefully considered. This research is associative in nature with a quantitative approach. The population in this study consists of Universitas Sumatera Utara students who have used ShopeePay Online Loans, with a sample of 100 respondents selected through purposive sampling. The data analysis method used is multiple linear regression analysis with the assistance of SPSS software. The results show that partially, lifestyle, income level, and risk perception have a positive and significant effect on the decision to use ShopeePay Online Loans. Simultaneously, these three independent variables also have a significant effect on the decision to use ShopeePay Online Loans.