Pengaruh Sikap Keuangan Dan Persepsi Kemudahan Fintech Lending Syariah Terhadap Perilaku Manajemen Utang Konsumtif
Keywords:
Sharia Microfinance Institutions (SMFIs), Financial Education Program, Financial Services Authority (OJK), Financial Inclusion, Rural Communities.Abstract
This study is motivated by the rapid growth of Sharia fintech lending services in Indonesia, which intersects directly with the risk of consumptive debt management behavior amid a significant disparity between national financial inclusion (80.51%) and Sharia financial literacy (43.42%) based on the 2024/2025 SNLIK data. This study aims to examine and analyze the direct and simultaneous effects of Financial Attitude and the Perceived Ease of Use of Sharia Fintech Lending on Consumptive Debt Management Behavior. A quantitative approach with an explanatory research design was employed, utilizing Partial Least Squares-based Structural Equation Modeling (SEM-PLS) via SmartPLS software based on SNLIK microdata. The findings reveal that Financial Attitude exerts a positive and significant effect on Consumptive Debt Management Behavior (beta = 0.515$; t = 6.143; p = 0.000). Similarly, Perceived Ease of Use of Sharia Fintech Lending has a positive and significant effect on Consumptive Debt Management Behavior ($\beta = 0.436; t = 5.143; $p = 0.000). Simultaneously, these two independent variables substantially account for 82.5% of the variance in consumptive debt management behavior (R2 = 0.825). The study concludes that the seamless access offered by Sharia financial technology must be counterbalanced by sound financial attitudes and robust literacy to prevent digital financing from escalating into reckless consumptive debt traps.
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