Fintech Lending in Indonesia: A Sentiment Analysis, Topic Modelling, and Social Network Analysis using Twitter Data

Digitalization in financing industries, has brought us into Financial Technology (Fintech). Fintech proved to be much more accessible to people with low financial literacy. Fintech Lending is one kind of business in fintech. Also known as Pinjol, Fintech Lending become one of the trending topics on Indonesian Twitter, which unfortunately is more about illegal Pinjol, which brings so many insecurities for government, financial regulations, and pinjol company itself. With this research, the sentiment and central character were analyzed. Using several algorithms for data model creation, Naïve Bayes is the most performing one, giving us the fact that negative sentiment still takes the lead on the earlier day of observation, but it decreased over time. We also discovered the most influential character on the issue, to help interested parties to deal with correction, confirmation, and endorsement to support the regulation and survival of the business. Using the pic model, the study concludes that despite its negative sentiment, pinjol still has a good opportunity to grow with the support of government, regulator, and law enforcement team. The policy, regulation, and government resources had to comply with the development speed of pinjol.