{"id":"https://openalex.org/W4389314751","doi":"https://doi.org/10.29103/jak.v11i2.10998","title":"Hubungan Faktor- Faktor Keputusan Kredit dan Potensi Gagal Bayar Pada Platform P2P Lending","display_name":"Hubungan Faktor- Faktor Keputusan Kredit dan Potensi Gagal Bayar Pada Platform P2P Lending","publication_year":2023,"publication_date":"2023-09-18","ids":{"openalex":"https://openalex.org/W4389314751","doi":"https://doi.org/10.29103/jak.v11i2.10998"},"language":"en","primary_location":{"id":"doi:10.29103/jak.v11i2.10998","doi":"https://doi.org/10.29103/jak.v11i2.10998","is_oa":true,"landing_page_url":"https://doi.org/10.29103/jak.v11i2.10998","pdf_url":"https://ojs.unimal.ac.id/jak/article/download/10998/5365","source":{"id":"https://openalex.org/S4210219006","display_name":"Jurnal Akuntansi dan Keuangan","issn_l":"2301-4717","issn":["2301-4717","2716-022X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4404669912","host_organization_name":"Malikussaleh University","host_organization_lineage":["https://openalex.org/P4404669912"],"host_organization_lineage_names":["Malikussaleh University"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Akuntansi dan Keuangan","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://ojs.unimal.ac.id/jak/article/download/10998/5365","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5081998733","display_name":"Chita Oktapriana","orcid":"https://orcid.org/0000-0003-1621-0611","observed_orcids":["https://orcid.org/0000-0003-1621-0611"]},"institutions":[{"id":"https://openalex.org/I4405276589","display_name":"Universitas Bina Insani","ror":"https://ror.org/05qkm7j72","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405276589"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Chita Oktapriana","raw_affiliation_strings":["Universitas Bina Insani"],"raw_orcid":"https://orcid.org/0000-0003-1621-0611","affiliations":[{"raw_affiliation_string":"Universitas Bina Insani","institution_ids":["https://openalex.org/I4405276589"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5063850980","display_name":"Lucia Ari Diyani","orcid":"https://orcid.org/0000-0003-0552-2724","observed_orcids":["https://orcid.org/0000-0003-0552-2724"]},"institutions":[{"id":"https://openalex.org/I4405276589","display_name":"Universitas Bina Insani","ror":"https://ror.org/05qkm7j72","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405276589"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Lucia Ari Diyani","raw_affiliation_strings":["Universitas Bina Insani"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bina Insani","institution_ids":["https://openalex.org/I4405276589"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5011022375","display_name":"Dade Nurdiniah","orcid":"https://orcid.org/0000-0002-7015-7500","observed_orcids":["https://orcid.org/0000-0002-7015-7500"]},"institutions":[{"id":"https://openalex.org/I4405276589","display_name":"Universitas Bina Insani","ror":"https://ror.org/05qkm7j72","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405276589"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Dade Nurdiniah","raw_affiliation_strings":["Universitas Bina Insani"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Bina Insani","institution_ids":["https://openalex.org/I4405276589"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4405276589"],"apc_list":null,"apc_paid":null,"fwci":0.9876,"has_fulltext":true,"cited_by_count":3,"citation_normalized_percentile":{"value":0.74121624,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":87,"max":95},"biblio":{"volume":"11","issue":"2","first_page":"111","last_page":"118"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.5307999849319458,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.5307999849319458,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.4284999966621399,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.016100000590085983,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.9330000281333923},{"id":"https://openalex.org/keywords/educational-background","display_name":"educational background","score":0.8640000224113464},{"id":"https://openalex.org/keywords/economic-motives","display_name":"economic motivation","score":0.9670000076293945},{"id":"https://openalex.org/keywords/young-adults","display_name":"young adults","score":0.5740000009536743},{"id":"https://openalex.org/keywords/bekasi","display_name":"Bekasi","score":0.5519999861717224}],"concepts":[{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.5765778422355652},{"id":"https://openalex.org/C153874254","wikidata":"https://www.wikidata.org/wiki/Q115542","display_name":"Canonical correlation","level":2,"score":0.5122939348220825},{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.4801847040653229},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.46834585070610046},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4493178427219391},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.4448862373828888},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.4287908673286438},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.3747120499610901},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.3546179533004761},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.28790974617004395},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.188998281955719},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.18407440185546875},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.16864252090454102},{"id":"https://openalex.org/C19417346","wikidata":"https://www.wikidata.org/wiki/Q7922","display_name":"Pedagogy","level":1,"score":0.09587833285331726},{"id":"https://openalex.org/C151730666","wikidata":"https://www.wikidata.org/wiki/Q7205","display_name":"Paleontology","level":1,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.29103/jak.v11i2.10998","doi":"https://doi.org/10.29103/jak.v11i2.10998","is_oa":true,"landing_page_url":"https://doi.org/10.29103/jak.v11i2.10998","pdf_url":"https://ojs.unimal.ac.id/jak/article/download/10998/5365","source":{"id":"https://openalex.org/S4210219006","display_name":"Jurnal Akuntansi dan Keuangan","issn_l":"2301-4717","issn":["2301-4717","2716-022X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4404669912","host_organization_name":"Malikussaleh University","host_organization_lineage":["https://openalex.org/P4404669912"],"host_organization_lineage_names":["Malikussaleh University"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Akuntansi dan Keuangan","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.29103/jak.v11i2.10998","doi":"https://doi.org/10.29103/jak.v11i2.10998","is_oa":true,"landing_page_url":"https://doi.org/10.29103/jak.v11i2.10998","pdf_url":"https://ojs.unimal.ac.id/jak/article/download/10998/5365","source":{"id":"https://openalex.org/S4210219006","display_name":"Jurnal Akuntansi dan Keuangan","issn_l":"2301-4717","issn":["2301-4717","2716-022X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4404669912","host_organization_name":"Malikussaleh University","host_organization_lineage":["https://openalex.org/P4404669912"],"host_organization_lineage_names":["Malikussaleh University"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Akuntansi dan Keuangan","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Quality education","score":0.4156000018119812,"id":"https://metadata.un.org/sdg/4"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4389314751.pdf","grobid_xml":"https://content.openalex.org/works/W4389314751.grobid-xml"},"referenced_works_count":5,"referenced_works":["https://openalex.org/W2257024953","https://openalex.org/W3083489003","https://openalex.org/W3095415107","https://openalex.org/W3176131349","https://openalex.org/W3200556589"],"related_works":["https://openalex.org/W2769552991","https://openalex.org/W7134179678","https://openalex.org/W7160986996","https://openalex.org/W7160012185","https://openalex.org/W3000702627","https://openalex.org/W4406550469","https://openalex.org/W7045453856","https://openalex.org/W6908660466","https://openalex.org/W7127250292","https://openalex.org/W7218058211"],"abstract_inverted_index":{"The":[0,45],"purpose":[1],"of":[2,26,60,66,111,124],"this":[3,48,82],"research":[4,72],"is":[5,11,50,73],"to":[6,30,36,68],"find":[7],"out":[8],"whether":[9],"there":[10,84,151],"a":[12,74,128,153,156],"relationship":[13,129,154],"between":[14,132,159],"educational":[15,90,133,160],"background,":[16,91],"economic":[17,92],"motivation":[18],"and":[19,35,94,101,115,135,162,170],"credit":[20,33,98,113,164,168],"installment":[21,99,165],"literacy":[22,95,166],"on":[23,41,121,167],"the":[24,27,37,51,58,63,106,116,122,125,136,143,171,176],"interest":[25],"younger":[28,52],"generation":[29,53],"apply":[31],"for":[32,39,118,138,173],"online":[34,43,97,112,163],"potential":[38,117,137,172],"default":[40,174],"these":[42],"loans.":[44],"target":[46],"in":[47,57,62,96,142,175],"study":[49,77],"at":[54],"school":[55],"age":[56,64],"city":[59],"Bekasi":[61],"range":[65],"15":[67],"29":[69],"years.":[70],"This":[71],"canonical":[75,144],"correlation":[76],"using":[78],"primary":[79],"data.":[80],"In":[81],"study,":[83],"are":[85],"3":[86],"dependent":[87],"variables,":[88],"namely":[89],"drive":[93],"calculations":[100],"2":[102,107],"independent":[103,108],"variables.":[104],"Meanwhile,":[105],"variables":[109],"consist":[110],"decisions":[114],"default.":[119,139],"Based":[120],"results":[123],"weight":[126],"test,":[127,146],"was":[130,148,152],"found":[131,149],"background":[134,161],"More":[140],"specifically,":[141],"structure":[145],"it":[147],"that":[150],"with":[155],"strong":[157],"influence":[158],"applications":[169],"reverse":[177],"direction.":[178]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2023,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2023-12-05T00:00:00"}