Personality Traits' Impact on Managing Debt: A Case Study in Indonesia

ABSTRACT

According to Oxford Dictionary, fintech is computer programs and other technology used to provide banking and financial services. [...]this behavior will lead to a high-risk decision. H4 Conscientiousness is negatively associated with high-risk debt management choices. 2.1.5 Neuroticism In contrast with conscientiousness, Caspi & Shiner (2006) defined neuroticism as the frequent experience of negative emotions such as anger, fear, and sadness. [...]it may increase the risk of an internalizing problem because highly neurotic individuals frequently experience the negative emotions that underlie such disorders as anxiety and depression. In this study, we divide financial literacy into three components financial attitude, financial knowledge, and financial behavior. [...]the finding leads to the following hypothesis: