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Abstract

This study aims to understand financial literacy as a preventive measure against consumer behavior resulting from online loans. The problem addressed is the increasing use of online loans, which often leads users to fall into uncontrolled consumer behavior. The method employed in this study is a literature review, examining various relevant references and previous research. The analysis focuses on literature discussing the relationship between financial literacy and consumer behavior, as well as the factors influencing decisions to use online loans. The findings indicate that high financial literacy plays a crucial role in reducing consumer behavior; individuals with a good understanding of financial management tend to be more cautious when taking online loans and are better able to manage their expenditures. These findings emphasize the importance of financial literacy education as an effective preventive step to mitigate the negative impacts of online loans on society. This research makes a significant contribution to the understanding of the importance of financial literacy in the context of online lending and consumptive behavior and forms the basis for further research in this area.

Keywords

Financial Literacy Consumer Behavior Online Loans Financial Education Financial Management

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