Online Lending and Debt Dependency Patterns among Residents of Teluk Langkap Village, Sumay District, Tebo Regency
Article Sidebar
Page Numbers:
5266-5281
Digital Object Identifier:
10.58578/mikailalsys.v4i3.11736
Viewed: 0 times
Downloaded: 0 times
LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers
Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.
Authors:Regi Kurniawan1*, Muhammad Pauzi2, Nazori3, Neneng Sudharyati4
Copyright :Authors retain copyright and grant the journal right of first publication.
Main Article Content
Abstract
Although online lending has expanded financial inclusion by providing accessible and rapid financing, its increasing use has also raised concerns regarding debt dependency, particularly among rural communities characterized by limited financial literacy and unstable economic conditions. This study aims to investigate the use of online lending among residents of Teluk Langkap Village, Sumay District, Tebo Regency, and to analyze the factors contributing to the development of debt dependency. A qualitative descriptive approach with field research was employed. Informants were selected through purposive sampling and comprised online lending users and village officials. Data were collected through observations, in-depth interviews, and documentation and analyzed using an interactive model consisting of data reduction, data display, and conclusion drawing, while data trustworthiness was assessed through confirmability. The findings reveal that online lending is primarily used to meet urgent economic needs because of its accessibility, simple application procedures, and rapid disbursement. However, its use has increasingly extended to consumptive purposes and routine household expenditures, contributing to repeated borrowing practices. Debt dependency is driven mainly by imbalances between household income and expenditure, inadequate financial literacy, limited financial management capabilities, and a lack of alternative financing sources, resulting in recurring borrowing to repay previous debts. The study concludes that online lending dependency is shaped by interconnected economic, technological, and behavioral factors. These findings contribute to the literature on Islamic economics, digital finance, and financial behavior by illustrating how structural and individual vulnerabilities interact in rural online lending practices. The study also highlights the importance of strengthening financial literacy, responsible household financial management, and access to appropriate financing alternatives to reduce the risk of persistent debt dependency.
Citation Metrics:
Downloads
Citation Metrics & Similar Scopus Articles
Article Details
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
References
Anjani, Y. R., Kamila, N., & Ali, M. F. N. (2026). Pengaruh Pinjaman Online terhadap Kondisi Ekonomi Mahasiswa. Jejak Digital: Jurnal Ilmiah Multidisiplin, 2(4), 5694–5705. https://indojurnal.com/index.php/jejakdigital/article/view/3329
Ariani, K. F., Rahmawati, T. I., & Anggraini, D. V. (2024). Peningkatan Literasi Keuangan Masyarakat Pedesaan guna Mendorong Tingkat Inklusi Keuangan Indonesia Perspektif Hukum Perbankan. Jurnal Multidisiplin Ilmu Akademik, 1(6), 118–128. https://ejurnal.kampusakademik.co.id/index.php/jmia/article/view/2874
Astrid M. (2025). Peran Financial Technology dalam Meningkatkan Inklusi Keuangan di Indonesia: Perspektif Perbankan Syariah [Undergraduate thesis, Universitas Islam Negeri Palopo]. https://repository.uinpalopo.ac.id/id/eprint/12013
Fadhilah, E., & Agustina, S. (2026). Pinjaman Online dan Kerentanan Keluarga Muslim Prespektif Maqashid Syariah. Syaksia: Jurnal Hukum Perdata Islam, 27(1), 75–97. https://jurnal.uinbanten.ac.id/index.php/syakhsia/article/view/12887
Fatmawati, Iswandi, H., Bulutoding, L., & Wahab, A. (2025). Pinjaman Online Ilegal dan Dampaknya terhadap Kehidupan Sosial Ekonomi Masyarakat. Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari’ah, 6(2), 487–496. https://journal.uin-alauddin.ac.id/index.php/iqtishaduna/article/view/54830
Gandasari, N. M., Hidayat, R. R., & Siswajanthy, F. (2025). Peran Otoritas Jasa Keuangan (OJK) dalam Mengawasi Fintech Lending sebagai Instrumen Ekonomi Digital. Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory, 3(1), 399–408. https://shariajournal.com/index.php/IJIJEL/article/view/941
Kesuma, N. I., Sumiati, & Indrawati, N. K. (2025). Exploring how digital financial literacy affects fintech credit behavior through psychological and digital financial access. Jurnal Dinamika Manajemen, 16(2), 257–276. https://doi.org/10.15294/jdm.v16i2.27245
Khadijah, S. N. (2022). Perlindungan Hukum terhadap Pemberi Pinjaman dalam Sistem Fintech Peer to Peer Lending (Studi pada Otoritas Jasa Keuangan Kantor Regional 5 Sumatera Bagian Utara) [Master’s thesis, Universitas Medan Area]. https://repositori.uma.ac.id/handle/123456789/19280
Larasati, E., Rahayu, H. C., & Safitri, J. (2025). Analisa Faktor-Faktor Keputusan Kredit dan Potensi Gagal Bayar pada Platform Peer to Peer Lending. COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat, 4(9), 2854–2868. https://doi.org/10.59141/comserva.v4i9.2807
Marzuki, H. (2023). Dampak Pinjaman Online pada Masyarakat di Kecamatan Sipirok [Undergraduate thesis, UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan]. https://etd.uinsyahada.ac.id/id/eprint/9980
Prawana, I., Yusri, D., & Sakdiah, K. (2024). Peran Literasi Keuangan dan Fintech Syariah dalam Mendorong Inklusi Keuangan pada Pelaku UMKM. Jurnal Ekonomi dan Keuangan Syariah, 3(3), 16–34. https://jurnal.perima.or.id/index.php/JEKSya/article/view/696
Rachmawati, A., & Yudhawati, D. (2022). Gaya Kognitif Konsumen pada Fintech Peer to Peer Lending terhadap Literasi Keuangan. Psycho Idea, 20(2), 128–140. https://doi.org/10.30595/psychoidea.v20i2.13065
Rizki, D. P. J. (2026). Dampak Fintech dan Platform Digital Banking terhadap Inklusi Keuangan pada UMKM di Bandar Lampung dalam Perspektif Islam (Studi Kasus pada UMKM Kuliner di Bandar Lampung) [Undergraduate thesis, UIN Raden Intan Lampung]. https://repository.radenintan.ac.id/id/eprint/43241
Sabila, I. M., Hendaryati, N., & Azami, T. (2023). Literasi Fintech Lending: Manfaat, Risiko, dan Perspektif Islam (Studi Kasus Mahasiswa Universitas Pancasakti Tegal). Eklektik: Jurnal Pendidikan Ekonomi dan Kewirausahaan, 6(2), 48–55. https://doi.org/10.24014/ekl.v6i2.25296
Wardhani, I. A. S. K. (2022). Peran Lembaga Otoritas Jasa Keuangan (OJK) dalam Mengatasi Perusahaan Fintech Lending Ilegal. Vyavahara Duta, 17(1), 31–41. https://doi.org/10.25078/vyavaharaduta.v17i1.963