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The Effect of Interest Rate, Effort Expectancy, and Performance Expectancy on Interest in Using Online Loans

Authors
  • Ara Christin Napitupulu Department of Economics Development, Faculty of Economics and Business, Universitas Sumatera Utara
  • Walad Altsani HR Department of Economics Development, Faculty of Economics and Business, Universitas Sumatera Utara
Issue       Vol 8 No 1 (2025): Talenta Conference Series: Local Wisdom, Social, and Arts (LWSA)
Section       Articles
Section      

Copyright (c) 2025 Talenta Conference Series

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Galley      
DOI: https://doi.org/10.32734/lwsa.v8i1.2413
Keywords: interest rate effort expectancy performance expectancy interest online loans
Published 2025-02-28

Abstract

This study aims to determine the influence of Interest Rate, Effort Expectancy, and Performance Expectancy on Interest In Using Online Loans. The type of research used is descriptive quantitative. The population used in this study were North Sumatra University students who have used online loans. The research method used is quantitaive methods and data collection techniques using survey methods with questionnaires. The sampling technique in this study used non-probability sampling with purpossive sampling using 50 respondents as a sample from the study. This test was carried out using the SmartPLS version 4 program. The results showed that the Interest Rate had negative and significant effect on the interest in using online loans, Effort Expectancy and Performance Expectancy variables each had a positive and significant effect on the interest in using online loans.