Tell Me a Good Story and I May Lend You My Money: The Role of Narratives in Peer-to-Peer Lending Decisions

2011 ◽  
Author(s):  
Michal Herzenstein ◽  
Scott Sonenshein ◽  
Utpal M. Dholakia
Keyword(s):  
Peer To Peer ◽  
Good Story ◽  
Peer Lending ◽  
Lending Decisions

Tell Me a Good Story and I May Lend you Money: The Role of Narratives in Peer-to-Peer Lending Decisions

2011 ◽  
Vol 48 (SPL) ◽  
pp. S138-S149 ◽  
Author(s):  
Michal Herzenstein ◽  
Scott Sonenshein ◽  
Utpal M. Dholakia
Keyword(s):  
Peer To Peer ◽  
Good Story ◽  
Peer Lending ◽  
Lending Decisions

Trust and Credit: The Role of Appearance in Peer-to-peer Lending

2012 ◽  
Vol 25 (8) ◽  
pp. 2455-2484 ◽  
Author(s):  
Jefferson Duarte ◽  
Stephan Siegel ◽  
Lance Young
Keyword(s):  
Peer To Peer ◽  
Peer Lending

The Role of Photographs in Online Peer-to-Peer Lending Behavior

2014 ◽  
Vol 42 (3) ◽  
pp. 445-452 ◽  
Author(s):  
Xiaolan Yang
Keyword(s):  
College Students ◽  
Peer To Peer ◽  
Peer Lending ◽  
Lending Behavior

My purpose in this study was to evaluate the role of photographs in online peer-to-peer lending behavior. I recruited 92 college students to rate trustworthiness or emotion by viewing the photographs of borrowers on a peer-to-peer lending platform. Following this, I showed 209 college students an advertisement with a photograph and asked how much money they would be willing to lend the person in the photograph. The lending amount was higher for advertisements with a photograph rated trustworthy than for a photograph rated untrustworthy, and higher for advertisements with a photograph rated happy than for a photograph rated sad. These results indicate that judgments of both trustworthiness and happiness as perceived in photographs play an important role in lending behaviors.

scholarly journals Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Yang Berkeadilan Kajian Peraturan Otoritas Jasa Keuangan Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan

2019 ◽  
Vol 19 (1) ◽  
pp. 15
Author(s):  
Dwi Edi Wibowo
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Peer To Peer ◽  
Financial Industry ◽  
Fast Process ◽  
Bank Institution ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Abstrak Peranan internet dalam teknologi informasi telah digunakan untuk mengembangkan industri keuangan  (financial industry)  melalui modifikasi dan efisiensi layanan jasa keuangan yaitu dikenal dengan istilah Financial Technology atau Fintech. Fintech jenis pinjam-miminjam uang berbasis teknologi atau peer to peer lending (P2P-lending) merupakan jenis Fintech yang tumbuh pesat di Indonesia, kelebihan pinjam meminjam uang melalui layanan P2P-lending lainnya adalah syarat yang sangat mudah dan proses yang cepat dibandingkan meminjam uang melalui Lembaga Bank. Namun kemudahan transaksi yang ditawarkan oleh layanan P2P- lending justru memperlemah posisi dari konsumen. Permasalahan Bagaimanakah Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Fintech. (Financial Technology) Yang Berkeadilan, Tujuan  untuk mengetahui bagaimanakah penerapan konsep utilitarianisme untuk mewujudkan perlindungan kosnumen fintech ( finansial technology yang berkeadilan . Kata kunci : utilitarianisme, perlindungan konsumen, berkeadilan Abstrak The role of the internet in information technology has been used to develop the financial industry through the modification and efficiency of financial services, known as Financial Technology or Fintech. Fintech borrows money based on technology or peer to peer lending (P2P-lending) is a fast-growing type of Fintech in Indonesia, the advantages of lending and borrowing via other P2P-lending services are very easy conditions and a fast process compared to borrowing money through Bank Institution. But the ease of transactions offered by P2P-lending services actually weakens the position of consumers. Problems How to Implement the Utilitarianism Concept to Realize Fintech Consumer Protection. (Financial Technology) that is just, the aim is to find out how the application of the concept of utilitarianism is to realize the protection of fintech consumers (equitable technology finance. Keywords: utilitarianism, consumer protection, justice 

scholarly journals Penanganan TerhadaP Financial Technology Peer-To-Peer lending Ilegal MelaluI OTOrITas Jasa Keuangan (studi Pada OJK Jakarta Pusat)

2020 ◽  
Vol 8 (2) ◽  
pp. 252
Author(s):  
Alifia Salvasani ◽  
Munawar Kholil
Keyword(s):  
Peer To Peer ◽  
Payment System ◽  
Primary Data ◽  
Cyber Crime ◽  
Data Types ◽  
Literature Study ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

<p>abstract<br />This article aims to examine the role of Otoritas Jasa Keuangan (OJK) in handling illegal peer-to-peer  (P2P)  financial  technology  (fintech)  in  Indonesia.  This  role  includes  the handling carried out by the FSA to minimize the number of illegal fintech in Indonesia, both through supervision and arrangements related to illegal fintech. This type of empirical legal research, is descriptive, with primary data types. Literature study and interview data collection techniques, qualitative analysis techniques. Factors causing the rise of illegal fintech are normative and non-normative factors. Then the role of the OJK in making efforts to handle illegal P2P lending includes establishing Satgas Waspada Investasi, listing registered P2P lending and licensed on the official OJK website, socializing to the public about the characteristics of illegal P2P lending that must be avoided and data of illegal P2P lending in Indonesia, closing illegal P2P lending, blocking applications and illegal P2P lending websites on a regular basis, conducting selective checks on P2P lending companies that  propose opening  new  accounts,  applying  special  rules  for  P2P  lending  companies related to the fintech payment system , and submit information reports to the Criminal Investigation Police regarding cyber crime.<br />Keywords: Otoritas Jasa Keuangan; Illegal Fintech; Peer-to-Peer</p><p>abstrak<br />Artikel  ini  bertujuan  untuk  mengkaji  peranan  Otoritas  Jasa  Keuangan  (OJK)  dalam menangani  financial technology (fintech) peer-to-peer (P2P) lending ilegal di Indonesia. Peranan tersebut  meliputi penanganan yang dilakukan OJK untuk meminimalisir jumlah fintech  ilegal  di  Indonesia,  baik  melalui  pengawasan  maupun  pengaturan  terkait  fintech ilegal. Jenis penelitian hukum empiris, bersifat deskriptif, dengan jenis data primer. Teknik pengumpulan data studi kepustakaan dan wawancara, teknik analisis kualitatif. Faktor penyebab tumbuh maraknya fintech ilegal adalah adanya faktor normatif dan non-normatif. Kemudian peranan OJK dalam melakukan upaya penanganan P2P lending ilegal antara lain dengan membentuk Satgas Waspada Investasi, mencantumkan daftar P2P lending yang terdaftar dan berizin di website resmi OJK, mensosialisasikan kepada masyarakat terkait ciri-ciri P2P lending ilegal yang harus dihindari dan data P2P lending ilegal di Indonesia, melakukan penutupan terhadap P2P lending ilegal, pemblokiran aplikasi dan website P2P lending ilegal secara  rutin, melakukan  pemeriksaan  secara selektif bagi perusahaan  P2P lending yang mengajukan pembukaan rekening baru, memberlakukan aturan khusus bagi perusahaan  P2P  lending  terkait  fintech  payment  system,  dan  menyampaikan  laporan informasi kepada Bareskrim Polri terkait tindakan cyber crime.<br />Kata Kunci: Otoritas Jasa Keuangan; Fintech Ilegal; Peer-to-Peer Lending</p>

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