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Sukmaningsih, Dyah Wahyu
Bina Nusantara University
Computer Science & IT Engineering Mathematics

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A Model for Lender-Borrower Trust in Peer-To-Peer Lending Sukmaningsih, Dyah Wahyu
ComTech: Computer, Mathematics and Engineering Applications Vol 9, No 1 (2018): ComTech
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/comtech.v9i1.4287

Abstract

This research examined factors that influenced lender’s trust towards the borrower. The peerto-peer lending platform facilitated lending mechanism between lender and borrower. However, the loan was often considered as an unsecured loan, since there was a lack of traditional financial data. Using literature review, this research analyzed the determinant factor to establish trust between borrower and lender. Based on Elaboration Likelihood Model (ELM), the result of this research proposes a model for trust building between lender and borrower. The model categorizes information to establish trust into hard information, soft information, and social capital.
A Model for Lender-Borrower Trust in Peer-To-Peer Lending Dyah Wahyu Sukmaningsih
ComTech: Computer, Mathematics and Engineering Applications Vol. 9 No. 1 (2018): ComTech
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/comtech.v9i1.4287

Abstract

This research examined factors that influenced lender’s trust towards the borrower. The peerto-peer lending platform facilitated lending mechanism between lender and borrower. However, the loan was often considered as an unsecured loan, since there was a lack of traditional financial data. Using literature review, this research analyzed the determinant factor to establish trust between borrower and lender. Based on Elaboration Likelihood Model (ELM), the result of this research proposes a model for trust building between lender and borrower. The model categorizes information to establish trust into hard information, soft information, and social capital.
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