The role of emotion in P2P microfinance funding: A sentiment analysis approach

Pengnate, Supavich; Riggins, Frederick J.

doi:10.1016/j.ijinfomgt.2020.102138

Cited by 30 publications

(22 citation statements)

References 82 publications

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“…By providing adequate supporting facilities for MSMEs, it can be useful to increase access to finance, funding programs and financial schemes, with this it can help MSMEs to develop further [13]. Systematics in financial loans to MSMEs through loan-based crowd funding, platform provide financial loan services without the need for intermediaries so that loan funds can be distributed easily and quickly [14].…”

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)

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“…The sentiment of a review includes two aspects: the sentiment score and sentiment polarity. The sentiment score was calculated using a dictionary-based method [ 54 , 55 ]. We searched for words of emotion in an emotional vocabulary, used each word of emotion as a benchmark, searched for adverbs of degree, and applied different weights according to the types of adverbs of degree to make corresponding score calculations, summed up the scores of each word of emotion in the review content, and, finally, processed the scores to prevent negative numbers from appearing.…”

Section: Methodsmentioning

confidence: 99%

Research on the Characteristics and Usefulness of User Reviews of Online Mental Health Consultation Services: A Content Analysis

Liu

Gao

2021

Healthcare

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Online consultation based on Internet technology is gradually becoming the main way to seek health information and professional assistance. Online user reviews, such as content reviews and star ratings, are an important basis for reflecting users’ views on the effectiveness of health services. Here, we used user reviews related to online psychological consultation services for content feature mining and usefulness analyses. We used a professional online psychological counseling service platform in China to collect user reviews that were liked by users as a data sample for a content analysis. An LDA topic model, dictionary-based sentiment analysis, and the NRC Word-Emotion Association Lexicon were used to extract the topic, sentiment, and context features of the content of 4254 useful reviews, and the influence of these features on the usefulness of the reviews was verified by a multiple linear regression analysis. Our results show that the content of online reviews by psychological counseling users presented a positive emotional attitude as a whole and expressed more views on the process, effects, and future expectations of counseling than on other topics. There was a significant correlation between the topic, sentiment, and context features of a user review and its usefulness: reviews giving high scores and containing topics such as “ease emotions” and “consulting expectations” received more user likes. However, the usefulness of a review was significantly reduced if it was in existence for too long. This research provides valuable suggestions for understanding the needs and emotional attitudes of users with mental health problems in terms of online psychological consultation; identifying the factors that affect the number of likes a review receives can help platform users write better consultation evaluations and thereby provide greater usefulness. In addition, the use of online reviews generated by users for content analysis effectively supplements the current research on online psychological counseling in terms of data and methods.

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“…For this reason, China provides an explanation of the regulation of illegal fundraising ( Liu et al., 2018 ). Our research suggests how to build a system for analyzing social media or online news to identify issues and trends about fintech practice ( Suryono and Budi, 2019 ) ( Pohan et al., 2019 ) ( Pengnate and Riggins, 2020 ).…”

Section: The Relationship Between the Findings And P2p Lending Practicesmentioning

confidence: 99%

“…Further research could propose a supervisory standard for technology and regulation. Currently, several studies to see the analytical sentiment of P2P products have been carried out by previous researchers ( Suryono and Budi, 2019 ) ( Pohan et al., 2019 ) ( Pengnate and Riggins, 2020 ). It is better if the social media data can be processed by the OJK, SWI and the Ministry of ICT when determining policies and supervision in creating consumer protection.…”

Section: Conclusion and Recommendationmentioning

confidence: 99%

Detection of fintech P2P lending issues in Indonesia

Suryono

Budi

Purwandari

2021

Heliyon

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Financial technology (fintech) is a growing industry in Indonesia, supported by advances in the technological infrastructure. At the end of 2019, the Financial Services Authority (OJK), the financial authority in Indonesia, recorded 164 registered and licensed fintech (P2P lending) companies. However, since early 2018, the Investment Alert Task Force (SWI) and the Ministry of Communication and Information Technology have blocked 1,350 illegal fintech platforms. Illegal fintech lending practices have mechanisms beyond the responsibility and authority of the OJK, including the risk of collection and distribution of personal data. The essence of this study is to discuss the landscape of fintech P2P lending in Indonesia from Indonesian Online News data, explore cases of fintech p2p lending in Indonesia, and understand the rules and policies. Qualitative research with a case study approach and Focus Group Discussion techniques were used to obtain data from 4 stakeholders in the Fintech P2P Lending Industry in Indonesia. VOS Viewer software is used to build keywords from Indonesian Online News collections, NVIVO 12 qualitative software is used to assist data analysis. The research found the keyword clusters most frequently discussed in the Indonesian Online News collection and five case themes such as public awareness about P2P lending (user understanding), data leakage, and restriction of data access, including personal data protection, personal data fraud, illegal fintech lending, and Product marketing ethics.

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The role of emotion in P2P microfinance funding: A sentiment analysis approach

Cited by 30 publications

References 82 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

Research on the Characteristics and Usefulness of User Reviews of Online Mental Health Consultation Services: A Content Analysis

Detection of fintech P2P lending issues in Indonesia

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