Message framing in P2P lending relationships

Huang, Jin; Sena, Vania; Li, Jun; Ozdemir, Sena

doi:10.1016/j.jbusres.2020.06.065

Cited by 21 publications

(20 citation statements)

References 66 publications

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“…loanbased crowd funding [20]. The other study states that the choice of words in conveying a positive message regarding the results of funding loan-based crowd funding and increasing the positive impact of credit ratings on funding returns [21]. Karsen et al in their research stated that the existence of a mobile payment system in the form of loan-based crowd funding plays an important role in electronic and cellular trading activities in Indonesia.…”

Section: Resultsmentioning

confidence: 99%

Financing Analysis of Loan-Based Crowd Funding on Medium Small Micro Enterprises

Dewanti¹,

Septyaningtyas²,

Yuliansyah³

et al. 2021

Proceedings of the 2nd Annual Conference on Social Science and Humanities (ANCOSH 2020)

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This study aims to determine the results of analysis Loan-Based Crowd funding on MSMEs in several countries on helping MSMEs obtain capital loans without a series of difficulties in administration and regulations. So, it can be used as a consideration for the government in making policies that can be applied in Indonesia. In this study, references from journal articles analyze to solve the problem. In this study, using references from journal articles analyzed to solve the problem. This research shows that loan-based crowd funding can be of positive value for business actors with the ease of making loans to maintain and develop the business.

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Section: Resultsmentioning

confidence: 99%

Financing Analysis of Loan-Based Crowd Funding on Medium Small Micro Enterprises

Dewanti¹,

Septyaningtyas²,

Yuliansyah³

et al. 2021

Proceedings of the 2nd Annual Conference on Social Science and Humanities (ANCOSH 2020)

View full text Add to dashboard Cite

show abstract

“…Therefore, the verification system could offer an alternative way to decrease adverse selection problems, not only in detecting fraud and liars’ loans by validating borrowers’ documentation but also, according to Signaling Theory (Spence 1973 ), as a signal of the asset quality by increasing its reputation. For instance, Renredai.com has developed both online and offline verification tools, such as physical site visits, to check the information submitted by borrowers, increasing lenders’ trustworthiness and guaranteeing the survival of the crowdfunding market (Huang et al 2021 ; Tao et al 2017 ).…”

Section: Related Literaturementioning

confidence: 99%

Fintech platforms: Lax or careful borrowers’ screening?

Gallo

2021

Financ Innov

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Can peer-to-peer lending platforms mitigate fraudulent behaviors? Or have lending players been acting similar to free-riders? This paper constructs a new proxy to investigate lending platform misconduct and compares the FICO score and the LendingClub credit grade. To examine whether the lack of verification by the Fintech platform affects lenders’ collection performance, I explore the recovery rate (RR) of non-performing loans through a mixed-continuous model. The regression results show that the degree of prudence taken by the lending platform in the pre-screening activity negatively affects the detection of some misreporting borrowers. I also find that the Fintech platform’s missing verification information (e.g., annual income and employment length) affects the RR of non-performing loans, thereby hampering lenders’ collection performance.

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“…However, framing theory is a potent paradigm that transcends top-down mass communication. Frames, for instance, are frequently used in salary negotiations, romantic exchanges, commercial deals, and financial transactions (Huang et al, 2021;Majer et al, 2020;McGraw & Tetlock, 2005). Furthermore, framing becomes particularly important when individuals attempt to communicate embarrassing, risky, or ethically questionable messages (Chen & Zhang, 2016;McLaren, 2015;Pinker, 2008).…”

Section: Framing and Bureaucratic Corruptionmentioning

confidence: 99%

Flying Under the Radar: How Frames Influence Public Officials’ Perceptions of Corruption

Colunga

Meza

2021

Polit Behav

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The study of the forces that lead citizens and public officials to tolerate corruption has attracted scholarly attention for decades. We seek to contribute to this literature by arguing that -since corruption is an interpersonal process-public officials' perceptions of and dispositions toward it are influenced by how it is framed. To test this claim, we conduct an original experiment on a representative sample of civil servants working in a large urban municipal government in Mexico. We find that, even when evaluating clear examples of corruption, public officials are more likely to tolerate the illegal disregard for the bureaucratic procedure when it is framed not as a monetary exchange but as a way in which resources can be redistributed, institutions can be made more flexible, and organizations can be made more efficacious.

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Message framing in P2P lending relationships

Cited by 21 publications

References 66 publications

Financing Analysis of Loan-Based Crowd Funding on Medium Small Micro Enterprises

Financing Analysis of Loan-Based Crowd Funding on Medium Small Micro Enterprises

Fintech platforms: Lax or careful borrowers’ screening?

Flying Under the Radar: How Frames Influence Public Officials’ Perceptions of Corruption

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