Abstract
This qualitative study aims to analyze the factors influencing the public’s decisions to use online-based loan services, the forms of fund utilization, and their impact on the economic conditions of the community in Sidenreng Rappang Regency. Online-based loans have become one of the significant financial innovations in the digital era, offering convenience and flexibility for people to access financial services. This study aims to analyze the factors influencing the decisions of the Sidenreng Rappang Regency community in using online-based loan services and their impact on fund utilization and the local economy. The research was conducted using a descriptive qualitative approach, involving 30 respondents residing in the Maritengngae District. The results show that ease of access, speed of the process, and simple requirements are the main factors in the community’s decision to borrow online. The funds were mainly used for daily needs, business capital, and emergencies. The economic impact of online loans was positive for most respondents, although some felt burdened by high-interest rates and increased financial pressure. This study suggests improving financial literacy and strengthening regulations to minimize risks for consumers.
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