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

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.

PERLINDUNGAN DATA PRIBADI PENERIMA PINJAMAN DALAM TRANSAKSI PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

2021 ◽  
Vol 50 (4) ◽  
pp. 789
Author(s):  
Hendrawan Agusta
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Perkembangan teknologi informasi sangat pesat, adanya kolaborasi antara teknologi informasi dengan berbagai bidang kehidupan melahirkan berbagai macam inovasi yang membuat kehidupan masyarakat semakin mudah. Inovasi di bidang teknologi informasi melahirkan model bisnis baru yang pada gilirannya mampu menghasilkan efisiensi bagi masyarakat. Revolusi teknologi informasi tersebut terus berkembang dan sekarang memasuki bidang keuangan yang regulasinya ketat. Kolaborasi antara teknologi informasi dengan bidang keuangan melahirkan Teknologi Finansial atau Financial Technology (Fintech), salah satunya pinjam-meminjam uang berbasis teknologi informasi (Peer to Peer Lending/P2P Lending). Masyarakat menjadi lebih mudah mengakses kebutuhan keuangannya melalui P2P Lending. Di sisi lain, muncul tantangan dalam P2P Lending mengenai perlindungan data (data pribadi, data transaksi dan data keuangan). Dalam penelitian ini yang akan dibahas hanya data pribadi Penerima Pinjaman, dimana data pribadi tersebut perlu dilindungi agar tidak terjadi penyalahgunaan yang menimbulkan permasalahan hukum

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

2011 ◽  
Vol 39 (1) ◽  
pp. 19-37 ◽  
Author(s):  
Laura Larrimore ◽  
Li Jiang ◽  
Jeff Larrimore ◽  
David Markowitz ◽  
Scott Gorski
Keyword(s):  
Peer To Peer ◽  
Peer Lending ◽  
The Relationship

Text characteristics, perceived difficulty and task performance in sight translation

Interpreting ◽  
2019 ◽  
Vol 21 (2) ◽  
pp. 196-219 ◽  
Author(s):  
Zhiwei Wu
Keyword(s):  
Task Performance ◽  
Empirical Studies ◽  
Empirical Support ◽  
Word Type ◽  
Future Research ◽  
Perceived Difficulty ◽  
Dependent Variables ◽  
Research Findings ◽  
The Relationship ◽  
And Task

Abstract This paper reports on an exploratory study examining the relationship between text characteristics, perceived difficulty and task performance in sight translation (ST). Twenty-nine undergraduate interpreters were asked to sight-translate six texts with different properties. Correlation analysis shows that Sophisticated Word Type and Mean Length of a T-unit are, respectively, the lexical and the syntactic variables having the highest correlations with all the three dependent variables (i.e. perceived difficulty, accuracy and fluency in ST performance). Surprisingly, the discoursal variables are weakly or modestly correlated with the dependent variables. Thematic analysis of the students’ reflective essays points to two hypothesized causal links among the three Ps in ST: task properties may cause decoding difficulties and cognitive overload in the cognitive process, which in turn lead to inaccuracy and dysfluency in ST performance. The research findings lend empirical support to the “shallow-scan hypothesis” in previous research. Finally, this study proposes a three-tier conceptual framework to inform and guide future research to operationalize variables in ST empirical studies. The pedagogical implications of ST are also discussed.

Product status signaling as mediator between materialism and product satisfaction of Saudis and Malaysians

2016 ◽  
Vol 44 (6) ◽  
pp. 973-985 ◽  
Author(s):  
Norizan Mohd Kassim ◽  
Naima Bogari ◽  
Najah Salamah ◽  
Mohamed Zain
Keyword(s):  
Structural Equation ◽  
Mediating Effect ◽  
Equation Modeling ◽  
Future Research ◽  
Mediating Role ◽  
Status Signaling ◽  
Symbolic Meanings ◽  
Research Findings ◽  
Materialistic Values ◽  
The Relationship

We investigated the mediating role of product status signaling in the relationship between materialism and product satisfaction of Saudi and Malaysian adults. We performed structural equation modeling to analyze data from 894 Generations X and Y participants in Malaysia and Saudi Arabia, who responded to a self-administered survey. Contrary to previous research findings both from Malaysia, and from North American and other Western-culture samples, there were positive significant direct effects of materialism on product satisfaction for consumers in both countries. The results of the mediating effect (materialistic values → product status signaling → product satisfaction) indicated that, for Saudis, the effect was positive and moderate in strength, whereas for Malaysians, the effect was positive and strong. The overall results showed that product status signaling acted as a partial mediator in the relationship between materialistic values and product satisfaction. On the basis of these results, it is important for marketers to understand that both Malaysian and Saudi consumers—Saudis in particular—tend to rely, and focus, on the symbolic meanings attached to products that will only be successfully communicated if the symbolism in the product is socially and visibly recognized by these consumers. Suggestions for future research are offered.

scholarly journals Moral Disengagement Strategies in Videogame Players and Sports Players

2018 ◽  
Vol 8 (4) ◽  
pp. 1-25
Author(s):  
Lavinia McLean ◽  
Mark D. Griffiths
Keyword(s):  
Video Game ◽  
Moral Disengagement ◽  
Structural Characteristics ◽  
Real Life ◽  
Future Research ◽  
Relevant Research ◽  
Game Play ◽  
Video Game Play ◽  
Video Gamers ◽  
The Relationship

Research in the area of video game play and sports psychology has suggested that specific strategies are often employed by players to justify aggressive behaviour used during gameplay. The present study investigates the relationship between game play and moral disengagement strategies in a group of 605 adults who played violent videogames or regularly played competitive sports. The results suggest that sports players were more likely than violent game players to endorse moral disengagement strategies. The video gamers were more likely to use a specific set of moral disengagement strategies (i.e., cognitive restructuring) than the other groups and this may be related to the structural characteristics of videogames. The findings add to recent research exploring the mechanisms by which individuals engage in aggressive acts both virtually and in real-life situations. The results are discussed in relation to similar relevant research in the area, along with recommendations for future research.

scholarly journals TANGGUNG GUGAT PENYELENGGARA PEER TO PEER LENDING JIKA PENERIMA PINJAMAN MELAKUKAN WANPRESTASI

2019 ◽  
Vol 1 (2) ◽  
pp. 460
Author(s):  
Candrika Radita Putri
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Peer Lending

Teknologi telah berkembang pesat dan merambah ke berbagai bidang termasuk pada sektor finansial. Teknologi finansial mengubah sistem keuangan tradisional ke dalam bentuk digital dengan tujuan dapat menunjang perekonomian Indonesia serta memberikan kemudahan kepada masyarakat. Kemunculan teknologi finansial salah satunya diwujudkan dengan inovasi layanan pinjam meminjam uang berbasis teknologi informasi atau biasa dikenal dengan Peer to peer Lending (P2P Lending).Dalam pengembangannya, belum banyak peraturan hukum yang dapat memayungi berjalannya kegiatan tersebut sehingga pelaksanaannya masih berada di wilayah abu-abu. Meskipun layanan ini bertujuan untuk memudahkan masyarakat, namun sangat berisiko karena para pihak yang melakukan perjanjian pinjam meminjam dalam P2P Lending tidak bertatap muka secara langsung pada saat pelaksanaan perjanjian ataupun bertransaksi. Hal tersebut terjadi karena pelaksanaan kegiatan P2P Lending mengandalkan sistem yang digerakkan teknologi. Penyelenggara P2P Lending tentunya berperan sangat penting dalam berjalannya kegiatan tersebut karena segala kegiatan yang terjadi pada sistem menjadi tanggung jawab penyelenggara. Selain itu penyelenggara juga berkedudukan sebagai perantara sehingga penerima dan pemberi pinjaman dapat bertemu dalam platform yang telah disediakan. Pada pelaksanaan P2P Lending, belum diberikan informasi secara gamblang dan rinci mengenai kedudukan para pihaknya untuk mengetahui pihak yang bertanggung gugat seandainya penerima pinjaman melakukan wanprestasi.

scholarly journals Problematika Hukum Pada Peer To Peer Lending di Indonesia Dalam Perspektif Hukum Persaingan Usaha

2019 ◽  
Vol 2 (6) ◽  
pp. 2025
Author(s):  
Cheyzsa Mega Andhini S.P
Keyword(s):  
Peer To Peer ◽  
Relevant Market ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

E-commerce yang merupakan bentuk perdagangan elektronik menjadi tren dalam perdagangan di Indonesia saat ini. Tidak hanya perdagangan secara elektronik saja melainkan diiringi dengan adanya pembayaran secara elektronik yang kita kenal dengan Financial Technology (Selanjutnya disingkat fintech). Fintech adalah sebuah inovasi di dalam bidang jasa keuangan. Fintech yang bermunculan di Indonesia ini menjadi salah satu alternatif dalam hal pembayaran berbasis online. Salah satu jenisnya adalah sistem kredit secara online yang disebut dengan P2P Lending. P2P Lending secara legal diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 77/ POJK.01/2016 Tentang Layanan Pinjam Meminjam Berbasis Teknologi Informasi, sebagai dasar hukum terkait sistem pinjam meminjam dengan system elektronik. P2P Lending yang bermunculan di Indonesia membuat pihak bank konvensional juga menawarkan fasilitas yang sama pada perbankan yaitu sistem kredit online. Kesamaan fasilitas antara P2P Lending dan Kredit Online Sistem ini menimbulkan persaingan usaha tidak sehat, karena mereka berada pada relevant market yang sama.

scholarly journals PENGATURAN PENYELESAIAN SENGKETA DALAM SISTEM PEER TO PEER LENDING

2020 ◽  
Vol 9 (1) ◽  
pp. 52
Author(s):  
Luh Sarini ◽  
Putu Devi Yustisia Utami
Keyword(s):  
Dispute Resolution ◽  
Peer To Peer ◽  
Legal Issues ◽  
Online Dispute Resolution ◽  
Resolution Process ◽  
Dispute Resolution Process ◽  
Peer Lending ◽  
Relationship Of ◽  
The Relationship

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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