Peer to Peer Lending: The Relationship Between Language Features, Trustworthiness, and Persuasion Success

Penelitian ini mempunyai tujuan untuk memahami hubungan setiap pihak pada sistem Peer to Peer Lending secara hukum serta menganalisis pengaturan penyelesaian sengketa pada sistem Peer to Peer Lending. Metode pada penelitian ini yaitu penelitian yuridis normatif dengan mempergunakan pendekatan perundang-undangan dalam menganalisis isu hukum yang sumber hukumnya berasal dari bahan hukum primer, sekunder, serta tersier. Hasil pada penulisan ini menunjukkan bahwa belum terdapat pengaturan secara khusus terkait penyelesaian sengketa dalam sistem Peer to Peer Lending. Sengketa pada sistem tersebut membutuhkan proses penyelesaian sengketa yang cepat, mudah, serta terjangkau sehingga perlu dibentuk Lembaga Alternatif Penyelesaian Sengketa online yang khususnya menangani sengketa bisnis dengan sistem Peer to Peer Lending. This study aims to understand the relationship of each party in the Peer to Peer Lending system legally and to analyze dispute resolution arrangements in the Peer to Peer Lending system. The method in this research is normative juridical research using a statutory approach in analyzing legal issues whose sources of law come from primary, secondary and tertiary legal materials. The results of this paper indicate that there is no specific arrangement regarding dispute resolution in the Peer to Peer Lending system. Disputes in this system require a dispute resolution process that is fast, easy, and affordable, so it is necessary to establish an alternative online Dispute Resolution Institute which specifically handles business disputes with the Peer to Peer Lending system.

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The Influence of Fintech User’s Attitudes on Selection Through Fintech Users Interest in Millenial Generation of the City of Makassar

HASANUDDIN JOURNAL OF BUSINESS STRATEGY ◽

10.26487/hjbs.v2i4.372 ◽

2020 ◽

Vol 2 (4) ◽

pp. 117-124

Author(s):

Agatha Cristy Situru ◽

Syamsu Alam ◽

Andi Reni

Keyword(s):

Path Analysis ◽

Hypothesis Test ◽

Positive Influence ◽

Peer To Peer ◽

Investment Management ◽

Simultaneous Test ◽

Type Selection ◽

Peer Lending ◽

The Relationship ◽

Positive Effect

The research aimed to analyze the influences of the peer to peer lending, risk and investment management, and payment, the users' interests on the fintech type selection. Data were collected through the questionnaire which was processed using the path analysis. The hypothesis test used the simultaneous test (f), partial test (t), and the Sobel test. The result of the analysis indicates that the peer-to-peer lending and payment variables have a significant influence, whereas the risk and investment management variables do not have a significant effect. The path analysis result of the first equation namely the peer-to-peer lending variables has a positive effect, the risk and investment management variable has a positive influence, and the payment variable has a positive effect. The T result in the second equation namely the peer-to-peer lending variable has a positive influence, the risk and investment management variable has a positive effect, the payment variable has a positive influence, and the user’s interests have a positive effect. Sobel’s test result indicates that the users’ interest can mediate the relationship between the peer to peer lending and Fintech type selection, the users’ interests cannot mediate the relationship between the risk and investment management, and Fintech type selection and users’ interests cannot mediate the relationship between the payment and Fintech type selection

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How does an individual’s default behavior on an online peer-to-peer lending platform influence an observer’s default intention?

Financial Innovation ◽

10.1186/s40854-020-00197-y ◽

2020 ◽

Vol 6 (1) ◽

Author(s):

Mingfeng Tang ◽

Mei Mei ◽

Cuiwen Li ◽

Xingyang Lv ◽

Xushuang Li ◽

...

Keyword(s):

Research Method ◽

Moral Disengagement ◽

Peer To Peer ◽

Future Research ◽

Activation Level ◽

Mediating Variables ◽

Research Findings ◽

P2p Lending ◽

Peer Lending ◽

The Relationship

Abstract Previous studies indicate that individuals’ default behaviors on online peer-to-peer (P2P) lending platforms greatly influence other borrowers’ default intentions. However, the mechanism of this impact is not clear. Moreover, there is scarce research in regard to which factors influence the relationship between an individual’s default behavior and an observer’s default intention. These important questions are yet to be resolved; hence, we conducted two experiments using the scenario-based research method, focusing on Chinese online P2P lending platforms. Our results indicate that an individual’s default behavior can trigger an observer’s default intention as a result of the imperfect punitive measures as they currently exist on Chinese online P2P lending platforms. Both the observer’s moral disengagement level and pragmatic self-activation level serve as mediating variables. In situations where an observer knows an individual’s default behavior, the level of intimacy between the defaulter and observer positively affects the relationship between their default behavior and intention. The intimacy level also positively influences the relationship between the individual’s default behavior and the two mediator variables. Based on the findings, we provide management suggestions in the context of online P2P lending. Our study sets a foundation for future research to utilize other methods to extend the present research findings to other regions and domains.

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