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All Journal Seminar Nasional Aplikasi Teknologi Informasi (SNATI) JURNAL SISTEM INFORMASI BISNIS JURNAL DIVERSITA Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Ilmiah Ilmu Pemerintahan Jurnal Inovasi Pendidikan MH Thamrin Journal of Economics and Business UBS Sosio-Didaktika: Social Science Education Journal Jurnal Locus Penelitian dan Pengabdian JUARA: JURNAL WAHANA ABDIMAS SEJAHTERA Jurnal Indonesia Sosial Teknologi Jurnal Pengabdian Masyarakat dan aplikasi Teknologi
Iwan Purwanto
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Journal : JURNAL SISTEM INFORMASI BISNIS

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Examining the Role of Personal Character in Indonesian Peer-to-Peer Lending Purwanto, Iwan; Isnanto, Rizal; Widodo, Aris Puji
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: 10.21456/vol15iss3pp297-307

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 Agustian, Panggih Amanda, Shavira Putri Aris Puji Widodo Azmi, Qori'a Ta'rifajrin Didien Suhardini E. Shintadewi Julian Faishal Erlangga Gunawan Tjahjadi Heni Sulistiani Hidayatullah, Raza Syarif Ibrahim, Fahmi Alfin Ifan Kurniawan Iveline Anne Marie Kiki Prawiroredjo Novia Rahmawati Parjito Parjito R Rizal Isnanto Ratnaningsih, Sita Sulistiarini, Raidah Syairul Bahar