The Influence of Lifestyle, Financial Literacy and Locus of Control on the Use of Peer To Peer Lending Post Covid-19

Abstract

This research aims to determine the influence of lifestyle, financial literacy and locus of control on the use of peer to peer lending after Covid-19. This research is research with a quantitative approach and the data used is primary data. The population in this study is the millennial generation who have used peer to peer lending in Luwu district with a sample size of 60 respondents. The data analysis method used is multiple linear regression analysis, then the data obtained is processed using SPSS 25. The results of this research show that the influence of lifestyle (X1) has a positive and significant effect on the use of peer to peer lending (Y) and financial literacy (X2) has a positive effect. and significant on the use of peer to peer lending (Y) and locus of control (X3) has a positive but not significant effect on the use of peer to peer lending (Y).