Melola Discovery

← Melola Discovery

Open access Journal SINTA 3

ANALYSIS OF RELATIONSHIP BETWEEN THE USAGE OF ONLINE LOAN SERVICES AND THE WELL-BEING OF INDONESIAN USING CHI-SQUARE TEST

BAREKENG: Jurnal Ilmu Matematika dan Terapan · Vol. 18 No. 2 (2024) · pp. 1217–1228

DOI
10.30598/barekengvol18iss2pp1217-1228
ISSN
2615-3017, 1978-7227
Published
2024-05-25
Publisher
PATTIMURA UNIVERSITY
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

Online fintech lending offers convenience by providing flexibility for both lenders and borrowers. It led to a significant increase in users. Despite this encouraging growth, it comes with risks, such as the emergence of illegal loan companies. The controversial positive and negative aspects of online loans have sparked the researchers' interest in understanding how the Indonesian public perceives the existence of online loans and whether there is a relationship between the use of online loans and the well-being of users. The data were collected through the questionnaire using Google Form and then distributed to respondents who meet the specified sample criteria, namely Indonesian, aged 17 years old or above, and still able to think rationally. The total study sample are 191 respondents, with the total male is 90 and the total female is 101. Since the results of the data gathered were in the form of categorical data, so the Chi-square test is utilized in this study. With the calculated chi-square less than the chi-square table, it showed that there is no correlation between the frequency of using online loan services and the well-being of the Indonesian people, whether based on age, level of education, or type of job. Hence, it can be concluded that the usage of online loan services is not influences the well-being of Indonesian. It is also known that public perceptions of online loans vary and cannot be generalized. However, those less prosperous, tend to agree with and appreciate the online loan services’ existence compared to those who are prosperous.

Collaboration network of the authors

40 authors · 112 co-authorship links · 3 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Airlangga
  • Universitas Wijaya Kusuma Surabaya
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Toha SaifudinUniversitas Airlangga7
Juan Krisfigo PrasetyoAffiliation unknown2
Berliani LarasatiAffiliation unknown2
Bagas Shata PratamaAffiliation unknown2
Dita AmeliaAffiliation unknown2
Rien RecyliaAffiliation unknown2
Belindha Ayu ArdhaniUniversitas Airlangga1
Nia SaurinaUniversitas Wijaya Kusuma Surabaya1
Riries RulaningtyasUniversitas Airlangga1
Aryati AryatiUniversitas Airlangga1
Rizky Ismaul Uyun HidayatAffiliation unknown1
Mutiara AisharezkaAffiliation unknown1
Naufal Ramadhan Al Akhwal SiregarAffiliation unknown1
Muhammad Fikry Al FariziAffiliation unknown1
Atikah FaizaAffiliation unknown1
Muhammad Hilmi FibryanAffiliation unknown1
Alda Fuadiyah SuryonoAffiliation unknown1
Nina AuliyahAffiliation unknown1
Alfi Nur NitasariAffiliation unknown1
Andini Sa'idahAffiliation unknown1
Nurin FaizunAffiliation unknown1
Kezia Eunike DarmawanAffiliation unknown1
Marfa Audilla FitriAffiliation unknown1
Muhammad Althof JuniarAffiliation unknown1
Azzahra FaniaAffiliation unknown1
Diana UlyaAffiliation unknown1
Rico RamadhanAffiliation unknown1
Alma Khalisa RahmaAffiliation unknown1
Qumadha Zaenal AbidinAffiliation unknown1
Steven SoewignjoAffiliation unknown1
Ni Wayan Widya Septia SariAffiliation unknown1
Andini Putri MedianiAffiliation unknown1
M. Aqil Zaidan KamilAffiliation unknown1
Ardana Tegar HendrawanAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs3.unpatti.ac.id/index.php/barekeng/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en-US">ANALYSIS OF RELATIONSHIP BETWEEN THE USAGE OF ONLINE LOAN SERVICES AND THE WELL-BEING OF INDONESIAN USING CHI-SQUARE TEST</dc:title>
	<dc:creator>Chamidah, Nur</dc:creator>
	<dc:creator>Kamiilah, Nadhira Safa</dc:creator>
	<dc:creator>Andriani, Putu Eka</dc:creator>
	<dc:creator>Siburian, Cynthia Anggelyn</dc:creator>
	<dc:creator>Baihaqi, Muhammad Rizaldy</dc:creator>
	<dc:creator>S, Salma Bethari Andjani</dc:creator>
	<dc:description xml:lang="en-US">Online fintech lending offers convenience by providing flexibility for both lenders and borrowers. It led to a significant increase in users. Despite this encouraging growth, it comes with risks, such as the emergence of illegal loan companies. The controversial positive and negative aspects of online loans have sparked the researchers' interest in understanding how the Indonesian public perceives the existence of online loans and whether there is a relationship between the use of online loans and the well-being of users. The data were collected through the questionnaire using Google Form and then distributed to respondents who meet the specified sample criteria, namely Indonesian, aged 17 years old or above, and still able to think rationally. The total study sample are 191 respondents, with the total male is 90 and the total female is 101. Since the results of the data gathered were in the form of categorical data, so the Chi-square test is utilized in this study. With the calculated chi-square less than the chi-square table, it showed that there is no correlation between the frequency of using online loan services and the well-being of the Indonesian people, whether based on age, level of education, or type of job. Hence, it can be concluded that the usage of online loan services is not influences the well-being of Indonesian. It is also known that public perceptions of online loans vary and cannot be generalized. However, those less prosperous, tend to agree with and appreciate the online loan services’ existence compared to those who are prosperous.</dc:description>
	<dc:publisher xml:lang="en-US">PATTIMURA UNIVERSITY</dc:publisher>
	<dc:date>2024-05-25</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs3.unpatti.ac.id/index.php/barekeng/article/view/12135</dc:identifier>
	<dc:identifier>10.30598/barekengvol18iss2pp1217-1228</dc:identifier>
	<dc:source xml:lang="en-US">BAREKENG: Jurnal Ilmu Matematika dan Terapan; Vol 18 No 2 (2024): BAREKENG: Journal of Mathematics and Its Application; 1217-1228</dc:source>
	<dc:source>2615-3017</dc:source>
	<dc:source>1978-7227</dc:source>
	<dc:source>10.30598/barekengvol18iss2year2024</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs3.unpatti.ac.id/index.php/barekeng/article/view/12135/7936</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Nur Chamidah, Nadhira Safa Kamiilah, Putu Eka Andriani, Cynthia Anggelyn Siburian, Muhammad Rizaldy Baihaqi, Salma Bethari Andjani S</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>