Arif Perdana

What Do Borrower Workarounds Reveal? User-Derived Design Implications for Digital Finance in Indonesian Crowdlending

This study examines how Indonesian crowdlending borrowers navigate tensions among access, risk, and trust. It draws on interviews with 30 borrowersand uses an abductive, constructivist grounded-theory approach, with substantial intercoder reliability (Cohen’s kappa = 0.775). Four...