The Effect of Digital Unsecured Loans and DTI Ratio on Risk-Taking Behavior


Risk-Taking Behavior; Digital Unsecured Loans; DTI Ratio

How to Cite

Pachlevi, F., & Sopacua, Ivana Oktarina. (2019). The Effect of Digital Unsecured Loans and DTI Ratio on Risk-Taking Behavior. Asia Proceedings of Social Sciences, 5(2), 133-136.


The objective of this study was to examined the effect of digital unsecured loans and DTI ratio on changes in risk-taking behavior of the household sectros. Increasing of P2P lending is clearly unstoppable in Indonesia. Digital unsecured loans success to simplify credit process, because online-based credit aplication. However, these simply process are followed by high-interest rate. Many people apply for credit without considering risk. The convenience of digital unsecured loans making people forget about high annual percentage rate. Finally, occur increase potential bad loans in the household sectros. Collection of data was carried out through experiments 2 x 2 factorial design. The results shows that digital unsecured loans increases risk-taking behavior of household sectors. DTI ratio also can be used as an internal control of household sectors to prevent increased risk-taking behavior


Nahartyo, E. (2009). Budgetary Participation and Stretch Targets : Procedural Fairness in A Stretch Budget Condition. Journal of Economics and Finance , p. 16 , 32-47.
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