A Model for Lender-Borrower Trust in Peer-To-Peer Lending
This research examined factors that influenced lender’s trust towards the borrower. The peerto- peer lending platform facilitated lending mechanism between lender and borrower. However, the loan was often considered as an unsecured loan, since there was a lack of traditional financial data. Using li...
| Main Author: | |
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| Format: | Article |
| Language: | English |
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Bina Nusantara University
2018-07-01
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| Series: | ComTech |
| Subjects: | |
| Online Access: | https://journal.binus.ac.id/index.php/comtech/article/view/4287 |
| _version_ | 1797766729439379456 |
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| author | Dyah Wahyu Sukmaningsih |
| author_facet | Dyah Wahyu Sukmaningsih |
| author_sort | Dyah Wahyu Sukmaningsih |
| collection | DOAJ |
| description | This research examined factors that influenced lender’s trust towards the borrower. The peerto-
peer lending platform facilitated lending mechanism between lender and borrower. However, the loan was often considered as an unsecured loan, since there was a lack of traditional financial data. Using literature review, this research analyzed the determinant factor to establish trust between borrower and lender. Based on Elaboration Likelihood Model (ELM), the result of this research proposes a model for trust building between lender and borrower. The model categorizes information to establish trust into hard information, soft information, and social capital. |
| first_indexed | 2024-03-12T20:28:26Z |
| format | Article |
| id | doaj.art-8f806a7cf34c4e0385129d7f58382823 |
| institution | Directory Open Access Journal |
| issn | 2087-1244 2476-907X |
| language | English |
| last_indexed | 2024-03-12T20:28:26Z |
| publishDate | 2018-07-01 |
| publisher | Bina Nusantara University |
| record_format | Article |
| series | ComTech |
| spelling | doaj.art-8f806a7cf34c4e0385129d7f583828232023-08-02T00:16:23ZengBina Nusantara UniversityComTech2087-12442476-907X2018-07-0191152410.21512/comtech.v9i1.42873291A Model for Lender-Borrower Trust in Peer-To-Peer LendingDyah Wahyu Sukmaningsih0Bina Nusantara UniversityThis research examined factors that influenced lender’s trust towards the borrower. The peerto- peer lending platform facilitated lending mechanism between lender and borrower. However, the loan was often considered as an unsecured loan, since there was a lack of traditional financial data. Using literature review, this research analyzed the determinant factor to establish trust between borrower and lender. Based on Elaboration Likelihood Model (ELM), the result of this research proposes a model for trust building between lender and borrower. The model categorizes information to establish trust into hard information, soft information, and social capital.https://journal.binus.ac.id/index.php/comtech/article/view/4287lender trust, borrower trust, peer-to-peer lending, elaboration likelihood model (elm) |
| spellingShingle | Dyah Wahyu Sukmaningsih A Model for Lender-Borrower Trust in Peer-To-Peer Lending ComTech lender trust, borrower trust, peer-to-peer lending, elaboration likelihood model (elm) |
| title | A Model for Lender-Borrower Trust in Peer-To-Peer Lending |
| title_full | A Model for Lender-Borrower Trust in Peer-To-Peer Lending |
| title_fullStr | A Model for Lender-Borrower Trust in Peer-To-Peer Lending |
| title_full_unstemmed | A Model for Lender-Borrower Trust in Peer-To-Peer Lending |
| title_short | A Model for Lender-Borrower Trust in Peer-To-Peer Lending |
| title_sort | model for lender borrower trust in peer to peer lending |
| topic | lender trust, borrower trust, peer-to-peer lending, elaboration likelihood model (elm) |
| url | https://journal.binus.ac.id/index.php/comtech/article/view/4287 |
| work_keys_str_mv | AT dyahwahyusukmaningsih amodelforlenderborrowertrustinpeertopeerlending AT dyahwahyusukmaningsih modelforlenderborrowertrustinpeertopeerlending |