伊斯兰人格模型:评估小额融资资信的心理测量工具

IF 1 Q3 ECONOMICS
Etikonomi Pub Date : 2023-03-04 DOI:10.15408/etk.v22i1.30370
H. Hardiansyah, E. Amalia, Abdul Hamid
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引用次数: 0

摘要

本研究旨在开发一个伊斯兰人格模型,作为评估信用度的心理测量工具,作为微型企业的替代预测特征分析。设计用于公式化在R Studio中编码的所提出的模型的方法使用了两种方法。首先,我们对穆斯林宗教人格量表进行了修正,然后建立了基于偏最小二乘的结构模型。随后,我们使用随机森林技术来观察模型的准确性。结果表明,该模型有效可靠,准确率为89.47%,曲线下面积-接收器工作特性为90.06%。该模型意味着一种加强对潜在微型企业信用特征评估的解决方案,并帮助伊斯兰金融机构评估潜在微型企业,以确定信贷风险和定价。JEL分类:B41,D81,D87,G21,P43如何引用:Hardiansyah。,Amalia,E.和Hamid,A.(2023)。伊斯兰人格模型作为获取小额融资信用的计量工具。Etikonomi,22(1),233–246。https://doi.org/10.15408/etk.v22i2.30370.
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Islamic Personality Model as Psychometric Tool To Assess Creditworthiness of Micro Financing
This study aims to develop an Islamic personality model as a psychometric tool to assess creditworthiness as an alternative predictive character analysis for micro businesses. The method designed to formulate the proposed model coded in R Studio uses two approaches. First, we modify Moslem Religiosity Personality Inventory and then frame a structural model based on Partial Least Square. Subsequently, we use the random forest technique to see the model's accuracy. The result shows a valid and reliable model and performs with 89.47 % accuracy with an Area Under Curve -Receiver Operating Characteristic of 90.06 %. This model implies a solution to strengthen the assessment of the character of creditworthiness of a potential micro-business and helps Islamic Financial Institutions to assess prospective micro-business to determine credit risk and pricing.JEL Classification: B41, D81, D87, G21, P43How to Cite:Hardiansyah., Amalia, E., & Hamid, A. (2023). Islamic Personality Model as Pychometric Tool To Access Creditworthiness of Micro Financing. Etikonomi, 22(1), 233–246. https://doi.org/10.15408/etk.v22i2.30370.
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来源期刊
Etikonomi
Etikonomi ECONOMICS-
自引率
12.50%
发文量
29
审稿时长
12 weeks
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