Impact of Fintech on Student Lifestyle In Pekalongan City, Indonesia

Dina Amalia Mahmudah; Muhammad Milzam

doi:10.14710/jebt.%Y.10917

DOI: https://doi.org/10.14710/jebt.%25Y.10917

Impact of Fintech on Student Lifestyle In Pekalongan City, Indonesia

Dina Amalia Mahmudah - Department of Accounting, Faculty of Economic, Pekalongan University, Indonesia

*Muhammad Milzam

- Department of Accounting, Faculty of Economic, Pekalongan University, Indonesia

Citation Format:

Abstract

This research aimed to know the effect of fintech to students' lifestyle in Pekalongan City. The subjects of this study were 100 university students who were 18-22 years old. The data were collected using interview and questionnaire. The data analysis of this research using descriptive statistical analysis. The result of this research showed that the decision to take a lending online or not is influenced by several reasons. There were 47% of students use PTP Lending to fulfill their desires not their needs. Electronics are the items most bought from the loan money.

Fulltext View|Download

Keywords: fintech, financial technology, lifestyle

Article Metrics:

Article Info

Section: Articles

Language : EN

In Volume 3, Issue 1, Year 2021 (April 2021)

Recent articles

Impact of Fintech on Student Lifestyle In Pekalongan City, Indonesia The Effect of HLB Surfactant Value on The Characteristics of Emulsion Biodiesel Palm Oil Using Homogenizer Effect of Winglets on Improving Wind Turbine Performance More recent articles

Anggraini, Ranti & Heru Santhoso, Fauzan. (2019). Relationship between Hedonic Lifestyle and Consumptive Behavior in Adolescents. Gadjah Mada Journal of Psychology (GamaJoP). 3. 131. 10.22146 / gamajop.44104
Fitriyani, N., Widodo, PB, & Fauziah, N. (2013). The relationship between conformity and consumptive behavior among students at Genuk Indah Semarang. Undip Psychology Journal, 12 (1), 55-68
Dorfleitner. G., & Hornuf. L., Schmitt., Matthias., Weber., Martina. (2017). Definition of FinTech and Description of the FinTech Industry. 10.1007 / 978-3-319-54666-7_2
Financial Fervices Authority. (2019). Fintech Operators Registered at OJK as of October 30, 2019. Retrieved from https://www.ojk.go.id/id/berita-dan-kaktif/publikasi/Pages Organizer-Fintech-Registered-at-OJK-per-30-October -2019aspx
Arner. D., Barberis. J. (2015). Regulating FinTech Innovation: A Balancing Act, asian institute of international financial law. Retrieved from http://www.law.hku.hk/aiifl/regulating-fintech-innovationa-balancing-act-1-april-1230-130-pm/
PwC (2019). Fintech Trends Report - Indonesia 2019. Retrieved from https://www.pwc.com/publications/2019/ ﬁntech-trends-report-indonesia-2019.html
Sihombing, N., Suryanto, N., Mahameru, M., Setiawan, M., & Marsella, SS, M. Li, E. (2019). The Impact of Using Online Loans on the Consumptive Lifestyle of Yogyakarta Students. SINTAK vol. 3. Retrieved from https://www.unisbank.ac.id/ojs/index.php/sintak/article/view/7638
Riyanto, A., Primiana, I., Azis, Y. (2018). Disruptive Technology: The Phenomenon on fintech towards conventional banking in Indonesia. IOP conference Series. Materials science and engineering

Last update:

No citation recorded.

Last update:

No citation recorded.

Journal of Vocational Studies on Applied Research are published under the terms of the Creative Commons Attribution-ShareAlike. Authors retain the copyright to their work. Users may read, copy and distribute the work in any medium provided the authors and the journal are appropriately credited.

Below you may find the full text of the license signed by authors.

LICENSE TO PUBLISH

1. License
The non-commercial use of the article will be governed by the Creative Commons Attribution-ShareAlike license as currently displayed on http://creativecommons.org/licenses/by-sa/4.0/. Without prejudice to the foregoing, the author hereby grants Journal of Vocational Studies on Applied Research the exclusive license for commercial use of the article according to section 2 below, and sections 4 through 9 below, throughout the world, in any form, in any language, for the full term of copyright, effective upon acceptance for publication.

2. Author’s Warranties
The author warrants that the article is original, written by stated author/s, has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author/s.

3. User Rights
Under the Creative Commons Attribution-ShareAlike license, the author(s) and users are free to share (copy, distribute and transmit the contribution).

4. Rights of Authors
Authors retain the following rights:

copyright, and other proprietary rights relating to the article, such as patent rights,
the right to use the substance of the article in future own works, including lectures and books,
the right to reproduce the article for own purposes, provided the copies are not offered for sale,
the right to self-archive the article.

5. Co-Authorship
If the article was prepared jointly with other authors, the signatory of this form warrants that he/she has been authorized by all co-authors to sign this agreement on their behalf, and agrees to inform his/her co-authors of the terms of this agreement.

6. Termination
This agreement can be terminated by the author or Journal of Vocational Studies on Applied Research upon two months’ notice where the other party has materially breached this agreement and failed to remedy such breach within a month of being given the terminating party’s notice requesting such breach to be remedied. No breach or violation of this agreement will cause this agreement or any license granted in it to terminate automatically or affect the definition of Journal of Vocational Studies on Applied Research.

7. Royalties
This agreement entitles the author to no royalties or other fees. To such extent as legally permissible, the author waives his or her right to collect royalties relative to the article in respect of any use of the article by Journal of Vocational Studies on Applied Research or its sublicensee.

8. Miscellaneous
Journal of Vocational Studies on Applied Research will publish the article (or have it published) in the Journal, if the article’s editorial process is successfully completed and Journal of Vocational Studies on Applied Research or its sublicensee has become obligated to have the article published. Journal of Vocational Studies on Applied Research may conform the article to a style of punctuation, spelling, capitalization and usage that it deems appropriate. The author acknowledges that the article may be published so that it will be publicly accessible and such access will be free of charge for the readers. Journal of Vocational Studies on Applied Research will be allowed to sublicense the rights that are licensed to it under this agreement.