TY - DATA T1 - Online Appendices and Research Data. Inclusion-by-Design: Designing a Reference Architecture for Inclusive Lending Systems PY - 2025/04/04 AU - Reni Sulastri UR - DO - 10.4121/7c3083a2-8229-45c4-a57f-233007b75e8b.v1 KW - Financial Inclusion KW - Credit Scoring KW - Machine Learning KW - Sensitivity Analysis KW - DLT N2 -

These online appendices and research materials support the dissertation titled:

"Inclusion-by-Design: Designing a Reference Architecture for Inclusive Lending Systems."

It includes software artifacts, survey data, and simulation results.

This package consists of 13 supplementary files:

1. P2PLending.sol – Smart contract layer (Solidity)

2. P2PLendingService.js – Middleware DLT service (JavaScript)

3. P2PLendingAPI.js – Backend API layer (JavaScript)

4. Survey 287 Raw Num.csv – Anonymized survey responses (Qualtrics results)

5. Hyp A1 - add attributes.xlsx

6. Hyp A2 - Feature Weight.xlsx

7. Hyp A2 - Penalty Based.xlsx

8. Hyp A2 HFPT metric 1-2.xlsx

9. Hyp A2 HFPT metric 3-4-5.xlsx

10. Python - HypA1 - Add Attributes

11. Python - HypA2 - Feature Weight

12. Python - HypA2 - Penalty-based

13. Python - HypA2 - HFPT


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