• Journal of the HCI Society of Korea
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• v.8 no.1
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• pp.1-9
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• 2013

This is to develop a new way of testing self-esteem by adopting DAP(Draw a Person) test and to make a platform to digitalize it for young people in the adolescent stage. This approach is to get high effectiveness of the self-esteem measurement using DAP test, including some personal inner situations which can be easily missed in the large statistical analysis. The other objective of this study is digitalize to recover limits of DAP test in the subjective rating standard. It is based on the distribution of the figure drawing expressed numerically by the anxiety index of Handler. For these two examinations, we made experiment through 4 stages with second grade middle school 73 students from July 30th to October 31th in 2009 during 4 months. Firstly, we executed 'Self Values Test' for all 73 people, and divided them into two groups; one is high self-esteem group of 36 people, the other is low self-esteem group of 37 people. Secondly, we regrouped them following D (Depression), Pd (Psychopathic Deviate), Sc (Schizophrenia) scales of MMPI; one is high self-esteem group of 7 people, the other is low self-esteem group of 13 people. Thirdly, we conducted DAP test separately for these 20 people. We intended to verify necessity and appropriateness of direction of 'Digitalizing Measurement System' by comparing and analyzing relation between DAP and Self-esteem following evaluation criteria which has similarity in 3 tests, after executing DAP to reflect peculiarity of adolescents sufficiently. We compared and analyzed result abstracted by sampling DAP test of two groups; One is high self-esteem group of 2 people, the other is low self-esteem group of 2 people; to confirm whether we can improve limitation that original psychological testing has by comparing mutual reliance of measurement test. Finally, with DAP test gained from correlations between self-esteem and melancholia following as above-mentioned steps, we discovered possibility of realization to get a concrete and individual criteria of evaluation based on Expert System as a way of enhancing accessibility in quantitative manner. 'Digitalizing Measurement Program' of DAP test suggested in this study promote results' reliability based on existing tests and measurement.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.18 no.5
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• pp.77-90
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• 2023

This study aims to investigate the potential of alternative credit assessment through Social Networking Sites (SNS) as a complementary tool to conventional loan review processes. It seeks to discern the impact of SNS usage characteristics and loan product attributes on credit loan repayment. To achieve this objective, we conducted a binomial logistic regression analysis examining the influence of SNS usage patterns, loan characteristics, and personal attributes on credit loan conditions, utilizing data from Company A's credit loan program, which integrates SNS data into its actual loan review processes. Our findings reveal several noteworthy insights. Firstly, with respect to profile photos that reflect users' personalities and individual characteristics, individuals who choose to upload photos directly connected to their personal lives, such as images of themselves, their private circles (e.g., family and friends), and photos depicting social activities like hobbies, which tend to be favored by individuals with extroverted tendencies, as well as character and humor-themed photos, which are typically favored by individuals with conscientious traits, demonstrate a higher propensity for diligently repaying credit loans. Conversely, the utilization of photos like landscapes or images concealing one's identity did not exhibit a statistically significant causal relationship with loan repayment. Furthermore, a positive correlation was observed between the extent of SNS usage and the likelihood of loan repayment. However, the level of SNS interaction did not exert a significant effect on the probability of loan repayment. This observation may be attributed to the passive nature of the interaction variable, which primarily involves expressing sympathy for other users' comments rather than generating original content. The study also unveiled the statistical significance of loan duration and the number of loans, representing key characteristics of loan portfolios, in influencing credit loan repayment. This underscores the importance of considering loan duration and the quantity of loans as crucial determinants in the design of microcredit products. Among the personal characteristic variables examined, only gender emerged as a significant factor. This implies that the loan program scrutinized in this analysis does not exhibit substantial discrimination based on age and credit scores, as its customer base predominantly consists of individuals in their twenties and thirties with low credit scores, who encounter challenges in securing loans from traditional financial institutions. This research stands out from prior studies by empirically exploring the relationship between SNS usage and credit loan repayment while incorporating variables not typically addressed in existing credit rating research, such as profile pictures. It underscores the significance of harnessing subjective, unstructured information from SNS for loan screening, offering the potential to mitigate the financial disadvantages faced by borrowers with low credit scores or those ensnared in short-term liquidity constraints due to limited credit history a group often referred to as "thin filers." By utilizing such information, these individuals can potentially reduce their credit costs, whereas they are supposed to accrue a more substantial financial history through credit transactions under conventional credit assessment system.