PENGARUH FINANCIAL STRESS DAN FINANCIAL LITERACY TERHADAP MINAT PINJAMAN ONLINE (Survei Pada Masyarakat Generasi Z di Kota Tasikmalaya)
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This study aims to analyze the effect of Financial Stress and Financial Literacy on Interest in Online Loans in Generation Z Society in Tasikmalaya City. This study uses a quantitative causality approach with a survey approach method. Data were collected by distributing questionnaires using Google Form to respondents who are part of the Generation Z Society domiciled in Tasikmalaya City with a sample of 100 respondents and using Purposive Sampling. Data analysis was carried out using multiple linear regression and the hypothesis was tested using the F-test and T-test with a significance level of 5%. From the results of the regression analysis, it was obtained that Financial Stress and financial literacy simultaneously and partially had a significant effect on interest in using online loans. Financial Stress has a positive effect, which means that the higher a person's level of financial stress, the higher the interest in using online loans. Meanwhile, Financial literacy also has a positive effect, indicating that individuals with higher levels of financial literacy tend to have a greater interest in using online loans, because they better understand the risks and benefits of these services.
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