Risk Perception in the Presentation Style of Loan Proposals by SME Bankers
Penulis/Author
Dewi Sari Pinandita (1); Prof. Ir. Budi Hartono, S.T., MPM, Ph.D., IPU., ASEAN Eng. (2); Ir. Budhi Sholeh Wibowo, S.T., M.T., MBA, PDEng., IPM., ASEAN Eng. (3)
Tanggal/Date
4 2025
Kata Kunci/Keyword
Abstrak/Abstract
The decision-making process in banking
involves considering logical analysis and psychological
factors. The way information and data are presented can
impact cognitive limitations and behavioral biases when
making loan decisions.
The study examines how the presentation style of loan
proposals affects the risk perception and confidence level of
SME bankers when making loan decisions. An experiment
was conducted where participants reviewed a modified loan
proposal and rating report in an online meeting, analysed the
information, discussed it, and decided to approve the loan.
The results indicate that the way the proposal is
presented can introduce biases and errors in the decision
making process. To improve accuracy, the study suggests
presenting the proposal clearly, namely, providing
comprehensive explanations for the rating, ensuring the
presenter's mastery of the material, confirming the data's
suitability, and using an easily understandable format. This
research contributes to understanding decision-making in
SME banking loan approvals
