The Impact Of Online Loans on Consumptive Behavior Among Students In The City Of Bandung
DOI:
https://doi.org/10.17977/um021v8i22023p130-144Keywords:
Online loans, Consumptive, Students, Risk SocietyAbstract
This research aims to analyze the impact of online loans on the consumptive behavior of
students in the city of Bandung. Online loans have become a significant phenomenon in today's
modern society, especially among students vulnerable to the influence of the digital economy.
The method used in this research is qualitative descriptive. The data collection techniques used
were observation and in-depth interviews. There were 12 informants in this study, consisting of
10 key informants who are students and two supporting informants. The research was
conducted at the UPI Setiabudhi campus and Pasundan University in the city of Bandung. The
theoretical analysis uses Ulrich Beck's concept of the risk society to analyze changes in modern
society that are increasingly filled with complex risks in the context of online loans and the
consumptive behavior of students. The results of this research indicate that online loans
significantly impact students' consumptive behavior. Factors such as ease of access, product
promotions, and social pressure encourage students to take online loans, thereby influencing
their consumptive habits. Based on the research results, students in Bandung use the money
from online loans for consumptive and hedonistic needs and lifestyles, such as hanging out,
indulging, vacations, attending concerts, nightlife entertainment (clubbing), buying electronic
goods, and showcasing possessions on social media.
References
Annur, C. M. (2023). Jawa Barat Dominasi Penyaluran Pinjaman Online Nasional Pada Maret 2023. Katadata Media Network.
Arner, D. W., Barberis, J. N., & Buckley, R. P. (2015). The Evolution Of Fintech: A New Post-Crisis Paradigm? Ssrn Electronic Journal, January. https://doi.org/10.2139/ssrn.2676553
Asih, E. (2023, September). Pinjol Ilegal Kian Meresahkan, Penindakan Tegas Dari Aparat Harus Lebih Masif Sumber Artikel Berjudul “Pinjol Ilegal Kian Meresahkan, Penindakan Tegas Dari Aparat Harus Lebih Masif”, Selengkapnya Dengan Link: https://www.pikiran-rakyat.com/ekonomi/pr-0171. Pikiran Rakyat.
Creswell, J. W. (2014). Penelitian Kualitatif & Desain Riset. Pustaka Pelajar.
Darmawi. (2022). Management Resiko. Bumi Aksara.
Hartati, R., & Syafrida. (2022). Perlindungan Hukum Konsumen Nasabah Pinjaman Online Ilegal (Pinjol Ilegal). Otentik’s : Jurnal Hukum Kenotariatan, 4(2), 167–185. https://doi.org/10.35814/otentik.v4i2.3737
Hidayah, A. (2022). Membongkar Sisi Gelap Fintech Peer-To-Peer Lending (Pinjaman Online) Pada Mahasiswa Di Yogyakarta. Journal Of Humanity Studies, 1(1), 1–17. https://doi.org/10.22202/jhs.2022.v1i1.6189
Kusvianti, P., Putri, A., Ashari, R., & Izzah, A. N. (2023). Pandangan Ulrich Beck Tentang Risiko Dan Ketidakpastian Yang Dialami Masyarakat Modern. Jurnal Ilmiah Ecosystem Volume, 23(1), 149–163.
Lastriana, N. (2021). Satgas Anti Rentenir Terima 7.321 Aduan, Lebih Dari Setengahnya Terkait Pinjol. Bcc.
Malihah, Elly & Usman, Kolif. (2011). Pengantar Sosiologi. Kencana Prenada Media Group.
Marwan, A., & Ashghor, A. (2020). Gali Lubang Tutup Lubang Di Tengah Pandemi : Teknologi Finansial Dalam Perspektif Hukum Dan Teori Keamanan Making Hole Fixing Hole In Pandemic Time : Financial Technology From Security And Legal Perspective. Jurnal Keamanan Nasional Volume Vi, No. 2, November 2020, Vi(2), 219–234.
Nafiatul Munawaroh. (2023). Risiko Hukum Galbay Pinjol (Gagal Bayar Pinjol) Yang Wajib Kamu Tahu. Jurnal Hukum, 2.
Oematan, I. B. (2022). Merayakan Kehidupan Masyarakat Berisiko Dengan Humor. Jurnal Marturia, Iv(1), 1–24.
Purwanti, Y., Ernanda Eka, C., & Ariska Dwi Agustin, S. (2023). Risiko Bencana Dalam Masyarakat Modern. Jurnal Insan Pendidikan Dan Sosial Humaniora, 1(2), 216–240.
Rahma, F. A., Fauzi, A. M., & Rizal S, M. (2021). Pandemi Covid-19, Memuluskan Bisnis Penipuan Berkedok Jasa Pinjaman Uang. Supremasi: Jurnal Pemikiran, Penelitian Ilmu-Ilmu Sosial, Hukum Dan Pengajarannya, 16(1), 01. https://doi.org/10.26858/supremasi.V16i1.19680
Rahmadyanto, B. P., & Ekawaty, M. (2023). Tren Pinjaman Online Dalam Milenial: Telaah Kontributor Internal Dan Eksternal. Journal Of Development Economic And Social Studies, 2(2), 249–258.
Sutra Disemadi, H. (2021). Urgensi Suatu Regulasi Yang Komprehensif Tentang Fintech Berbasis Pinjaman Online Sebagai Upaya Perlindungan Konsumen Di Indonesia. Jurnal Komunikasi Hukum, 7(2), 612.
Wijayanti, S. (2022). Dampak Aplikasi Pinjaman Online Terhadap Kebutuhan Dan Gaya Hidup Konsumtif Buruh Pabrik. Mizania: Jurnal Ekonomi Dan Akuntansi, 2(2), 230–235. https://doi.org/10.47776/mizania.v2i2.592
