Peran Locus of Control terhadap Niat Penggunaan Pinjaman Online pada Pengguna Pinjaman Online Usia Dewasa Awal di Indonesia

Sinta Damayanti, Dra. Sri Kusrohmaniah, M.Si., Ph.D., Psikolog

2025 | Skripsi | PSIKOLOGI

Fenomena pinjaman online (pinjol) di Indonesia meningkat pesat, khususnya di kalangan usia muda. Berbagai penelitian membuktikan bahwa Locus of Control (LoC) berperan terhadap keputusan finansial, termasuk niat untuk berutang. Oleh karena itu, penelitian ini bertujuan untuk menguji peran LoC terhadap niat penggunaan pinjol pada pengguna pinjol usia dewasa awal di Indonesia. Penelitian bersifat kuantitatif melalui survei kepada 100 partisipan yang pernah atau sedang menggunakan pinjol. Analisis regresi berganda menunjukkan bahwa LoCI berhubungan negatif signifikan terhadap niat penggunaan pinjol (p < 0 xss=removed>

The phenomenon of online loans in Indonesia has increased rapidly, particularly among the young adults. Numerous studies have shown that Locus of Control (LoC) plays a role in financial decision-making, including the intention to take debts. Therefore, this study aims to examine the role of LoC in predicting the intention to use online loans among online loans users aged 19–34 in Indonesia. This quantitative research involved a survey of 100 participants who had previously used or were currently using online loan services. Multiple regression analysis revealed that internal LoC had a significant negative effect on the intention to use online loans (p < 0 xss=removed>

Kata Kunci : pinjol, LoCI, LoCE, niat penggunaan, utang/online loan, LoCI, LoCE, usage intention, debt