FISIPOL UGM lecturers Ratna Noviani, Heru Nugroho, and Elok Santi Jesica have published their latest research article titled “Grab It Fast! Entrepreneurial Self and Hyper-Consumerism in the Students’ Prosumption of Online Lending Services in Indonesia” in the July–September 2025 edition of the international journal SAGE Open.
The article examines the practice of prosumption — the simultaneous production and consumption of services — in online lending among Indonesian university students, with a specific focus on the Cicil platform. Within the framework of the sharing economy and prosumerism, this platform not only offers educational loans but also encourages students to act as both “digital workers” and active consumers.