Pengaruh Financial Knowledge, Financial Attitude, Dan Gaya Hidup Terhadap Perilaku Berhutang Pada Platform Digital Di Kalangan Generasi Z

Abstract

Abstract

The rapid expansion of digital financial services has transformed the way people access credit, particularly among Generation Z, who are highly familiar with technology-based financial applications. While digital lending platforms provide convenience and flexibility, they may also encourage borrowing behavior when financial decisions are not supported by adequate financial capability. This study aims to examine the influence of financial knowledge, financial attitude, and lifestyle on borrowing behavior through digital platforms among Generation Z. A quantitative approach with a causal associative design was employed. The study involved 100 students from Universitas Islam Malang selected as respondents using a questionnaire with a five-point Likert scale. The collected data were analyzed using multiple linear regression with SPSS version 25 after passing validity, reliability, and classical assumption tests. The findings indicate that financial knowledge has a significant negative effect on borrowing behavior, suggesting that individuals with better financial understanding tend to be more cautious in using digital credit facilities. In contrast, financial attitude and lifestyle demonstrate significant positive effects on borrowing behavior. Simultaneously, the three independent variables significantly explain borrowing behavior, with an adjusted coefficient of determination of 48.4%. These results highlight the importance of strengthening financial literacy while promoting responsible financial attitudes and healthier consumption patterns to reduce excessive reliance on digital borrowing among Generation Z.

Keywords : Financial Knowledge, Financial Attitude, Lifestyle, Borrowing Behavior, Digital Lending Platform, Generation Z.