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All Journal JURNAL SISTEM INFORMASI BISNIS Explore: Jurnal Sistem Informasi dan Telematika (Telekomunikasi, Multimedia dan Informatika) PENELITIAN DAN KARYA ILMIAH Dinamisia: Jurnal Pengabdian Kepada Masyarakat Jurnal Bakti Masyarakat Indonesia JURNAL PENELITIAN DAN KARYA ILMIAH LEMBAGA PENELITIAN UNIVERSITAS TRISAKTI Jurnal Penelitian dan Karya Ilmiah Lembaga Penelitian Universitas Trisakti JURNAL ABDI MASYARAKAT INDONESIA (JAMIN) Jurnal Pengabdian Masyarakat dan aplikasi Teknologi
Iwan Purwanto
Program Studi Sistem Informasi, Fakultas Teknologi Industri, Universitas Trisakti
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Examining the Role of Personal Character in Indonesian Peer-to-Peer Lending Iwan Purwanto; Rizal Isnanto; Aris Puji Widodo
Jurnal Sistem Informasi Bisnis Vol 15, No 3 (2025): Volume 15 Number 3 Year 2025
Publisher : Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/vol15iss3pp440-450

Abstract

This research examines Indonesian P2P lending and bad loan management by analyzing borrower characteristics. The large value of problematic loans is a key signal for this investigation. The Big Five Personality Approach is used to survey P2P lending users. This study solely examines if the Big Five personality traits affect evaluation. On March 5–18, 2023, 17 P2P lending sites gathered data from 197 respondents for two weeks. Data validation continued until 11 respondents were pruned. The remaining 186 respondents' data was evaluated using SPSS. The management process yielded two hypothesis tests, the T-test and the F-test, which showed that the Big Five personality significantly affects present assessment activities. F-Test findings show the Big Five Personalities have a big impact concurrently. These two factors suggest that the Big Five Personalities may evaluate decision support systems for borrower recommendations.
Co-Authors Aris Puji Widodo Arnes Faradilla Dedy Sugiarto Didien Suhardini Engelin Shintadewi Julian Faishal Erlangga Farras Hamidah Gunawan Tjahjadi Indra Surjati Iveline Anne Marie Kiki Prawiroredjo Lydia Sari Novia Rahmawati PUDJI ASTUTI Rizal Isnanto Rully Mardjono Samuel Netazi Syah Alam Tri swasono adi Winnie Septiani