Development of a Character Evaluation Model in Risk Management for Microfinance in Individuals of Small Medium Enterprise
This study develops a character evaluation model for PT.XYZ’s customers in microfinance credit risk management. Integrating psychological and industrial engineering approaches, this research assesses customer personality using the International Personality Item Pool Big-Five Factor Marker-25 (IPIP BFM-25). The five personality dimensions, which are Openness, Conscientiousness, Extraversion, Agreeableness, and Neuroticism, are assessed to classify customers according […]
