BibTex Citation Data :
@article{JSINBIS71846, author = {Iwan Purwanto and Rizal Isnanto and Aris Widodo}, title = {Examining the Role of Personal Character in Indonesian Peer-to-Peer Lending}, journal = {Jurnal Sistem Informasi Bisnis}, volume = {15}, number = {3}, year = {2025}, keywords = {P2P Lending; Bad Loan Management; Borrower Characteristics; Big Five Personality Approach; Personality Traits}, 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. }, issn = {2502-2377}, doi = {10.21456/vol15iss3pp297-307}, url = {https://ejournal.undip.ac.id/index.php/jsinbis/article/view/71846} }
Refworks Citation Data :
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.
Article Metrics:
Last update:
Last update: 2025-07-16 20:18:46
Authors who submit the manuscripts to Journal JSINBIS must understand and agree that if the manuscript is accepted for publication, the copyright of the article belongs to JSINBIS and Diponegoro University as the journal publisher.
Copyright includes the exclusive right to reproduce and provide articles in all forms and media, including reprints, photographs, microfilm and any other similar reproductions, as well as translations. The author reserves the rights to the following:
JSINBIS and Diponegoro University and the Editors make every effort to ensure that no false or misleading data, opinions or statements are published in this journal. The content of articles published in JSINBIS is the sole and exclusive responsibility of the respective authors.
Copyright transfer agreement can be found here: [Copyright transfer agreement in doc] and [Copyright transfer agreement in pdf].
JSINBIS (Jurnal Sistem Informasi Bisnis) is published by the Magister of Information Systems, Post Graduate School Diponegoro University. It has e-ISSN: 2502-2377 dan p-ISSN: 2088-3587 . This is a National Journal accredited SINTA 2 by RISTEK DIKTI No. 48a/KPT/2017.
Journal JSINBIS which can be accessed online by http://ejournal.undip.ac.id/index.php/jsinbis is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
View My Stats
