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InfoResearchPeer-reviewed
Dialing for Dollars or Defaulting Online? Assessing Borrower Risk through Call Activity and Social Media Engagement in Microfinance
- Published
- Record updated
Summary
This study examines whether borrowers' call activity and online social activity predict default on micro-lending platforms, drawing on social capital theory's bonding and bridging capital. Using 154,579 loan records from 10 Indonesian micro-lending platforms and multiple robustness tests, the authors find that call activity frequency and stability significantly reduce default risk. Online social activity frequency and stability, by contrast, significantly increase it.