Does social capital influence individuals’ repayment default? Evidence from consumers' behavior data with mobile phone

Yuechen Ou; Le Wang; Hualong Yang; Zhibin Hu

Does social capital influence individuals’ repayment default? Evidence from consumers' behavior data with mobile phone

Yuechen Ou
, Le Wang
, Hualong Yang
, Zhibin Hu

Research output: Chapters, Conference Papers, Creative and Literary Works › RGC 32 - Refereed conference paper (with host publication) › peer-review

Abstract

Our research mainly uses social capital theory as our theoretical basis to investigate the effect of mobile phone activities on individuals’ repayment delinquency in online peer-to-peer lending. We propose that individuals’ mobile phone activities mainly include making (receiving) phone call, surfing online, interacting in social media, and changing (registering) phone numbers. We collected data from 10 online peer-to-peer lending in Indonesia. The results show that the number of calls, the registration time of mobile phone number and loan default show a significant negative correlation, while the number of traffic recharge, whether to install social app, the number of mobile phone number change and loan default show a significant positive correlation. This suggests that not all increases in social capital improve repayment performance. If individuals have more BOS, they are more likely to repay their debts on time.

Original language	English
Title of host publication	PACIS 2023 Proceedings
Publisher	Association for Information Systems
Number of pages	16
Publication status	Published - 2023
Event	2023 Pacific Asia Conference on Information Systems (PACIS 2023): Navigating Digital Turbulence and Seizing New Possibilities - Shangri-La Hotel & Jiangxi University of Finance and Economics, Nanchang, China Duration: 8 Jul 2023 → 12 Jul 2023 https://pacis2023.aisconferences.org/ https://aisel.aisnet.org/pacis2023/index.3.html

Publication series

Name	Pacific Asia Conference on Information Systems
ISSN (Print)	2689-6354

Conference

Conference	2023 Pacific Asia Conference on Information Systems (PACIS 2023)
Place	China
City	Nanchang
Period	8/07/23 → 12/07/23
Internet address	https://pacis2023.aisconferences.org/ https://aisel.aisnet.org/pacis2023/index.3.html

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

SDG 17 Partnerships for the Goals

Research Keywords

Social capital
repayment delinquency
borrower behavior information

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@inproceedings{1a0ca555b11d42adab3d8c99c2ef23d2,

title = "Does social capital influence individuals{\textquoteright} repayment default? Evidence from consumers' behavior data with mobile phone",

abstract = "Our research mainly uses social capital theory as our theoretical basis to investigate the effect of mobile phone activities on individuals{\textquoteright} repayment delinquency in online peer-to-peer lending. We propose that individuals{\textquoteright} mobile phone activities mainly include making (receiving) phone call, surfing online, interacting in social media, and changing (registering) phone numbers. We collected data from 10 online peer-to-peer lending in Indonesia. The results show that the number of calls, the registration time of mobile phone number and loan default show a significant negative correlation, while the number of traffic recharge, whether to install social app, the number of mobile phone number change and loan default show a significant positive correlation. This suggests that not all increases in social capital improve repayment performance. If individuals have more BOS, they are more likely to repay their debts on time.",

keywords = "Social capital, repayment delinquency, borrower behavior information",

author = "Yuechen Ou and Le Wang and Hualong Yang and Zhibin Hu",

year = "2023",

language = "English",

series = "Pacific Asia Conference on Information Systems",

publisher = "Association for Information Systems",

booktitle = "PACIS 2023 Proceedings",

address = "United States",

note = "2023 Pacific Asia Conference on Information Systems (PACIS 2023) : Navigating Digital Turbulence and Seizing New Possibilities ; Conference date: 08-07-2023 Through 12-07-2023",

url = "https://pacis2023.aisconferences.org/, https://aisel.aisnet.org/pacis2023/index.3.html",

}

Ou, Y, Wang, L, Yang, H & Hu, Z 2023, Does social capital influence individuals’ repayment default? Evidence from consumers' behavior data with mobile phone. in PACIS 2023 Proceedings. Pacific Asia Conference on Information Systems, Association for Information Systems, 2023 Pacific Asia Conference on Information Systems (PACIS 2023), Nanchang, China, 8/07/23. <https://aisel.aisnet.org/pacis2023/129/>

Does social capital influence individuals’ repayment default? Evidence from consumers' behavior data with mobile phone. / Ou, Yuechen; Wang, Le; Yang, Hualong et al.
PACIS 2023 Proceedings. Association for Information Systems, 2023. (Pacific Asia Conference on Information Systems).

Research output: Chapters, Conference Papers, Creative and Literary Works › RGC 32 - Refereed conference paper (with host publication) › peer-review

TY - GEN

T1 - Does social capital influence individuals’ repayment default? Evidence from consumers' behavior data with mobile phone

AU - Ou, Yuechen

AU - Wang, Le

AU - Yang, Hualong

AU - Hu, Zhibin

PY - 2023

Y1 - 2023

N2 - Our research mainly uses social capital theory as our theoretical basis to investigate the effect of mobile phone activities on individuals’ repayment delinquency in online peer-to-peer lending. We propose that individuals’ mobile phone activities mainly include making (receiving) phone call, surfing online, interacting in social media, and changing (registering) phone numbers. We collected data from 10 online peer-to-peer lending in Indonesia. The results show that the number of calls, the registration time of mobile phone number and loan default show a significant negative correlation, while the number of traffic recharge, whether to install social app, the number of mobile phone number change and loan default show a significant positive correlation. This suggests that not all increases in social capital improve repayment performance. If individuals have more BOS, they are more likely to repay their debts on time.

AB - Our research mainly uses social capital theory as our theoretical basis to investigate the effect of mobile phone activities on individuals’ repayment delinquency in online peer-to-peer lending. We propose that individuals’ mobile phone activities mainly include making (receiving) phone call, surfing online, interacting in social media, and changing (registering) phone numbers. We collected data from 10 online peer-to-peer lending in Indonesia. The results show that the number of calls, the registration time of mobile phone number and loan default show a significant negative correlation, while the number of traffic recharge, whether to install social app, the number of mobile phone number change and loan default show a significant positive correlation. This suggests that not all increases in social capital improve repayment performance. If individuals have more BOS, they are more likely to repay their debts on time.

KW - Social capital

KW - repayment delinquency

KW - borrower behavior information

UR - https://www.scopus.com/pages/publications/105029280222

UR - https://www.scopus.com/record/pubmetrics.uri?eid=2-s2.0-105029280222&origin=recordpage

M3 - RGC 32 - Refereed conference paper (with host publication)

T3 - Pacific Asia Conference on Information Systems

BT - PACIS 2023 Proceedings

PB - Association for Information Systems

T2 - 2023 Pacific Asia Conference on Information Systems (PACIS 2023)

Y2 - 8 July 2023 through 12 July 2023

ER -

Does social capital influence individuals’ repayment default? Evidence from consumers' behavior data with mobile phone

Abstract

Publication series

Conference

UN SDGs

Research Keywords

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