Online Appendices and Research Data. Inclusion-by-Design: Designing a Reference Architecture for Inclusive Lending Systems

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.xlsx6. Hyp A2 - Feature Weight.xlsx7. Hyp A2 - Penalty Based.xlsx8. Hyp A2 HFPT metric 1-2.xlsx9. Hyp A2 HFPT metric 3-4-5.xlsx10. Python - HypA1 - Add Attributes11. Python - HypA2 - Feature Weight12. Python - HypA2 - Penalty-based13. Python - HypA2 - HFPT14. All interview Protocols<br><br>

本在线附录与研究材料用于支撑题为《包容性设计：构建普惠信贷系统参考架构》（Inclusion-by-Design: Designing a Reference Architecture for Inclusive Lending Systems）的学位论文，涵盖软件制品、调研数据与仿真结果。本配套包共包含13份补充文件：1. P2PLending.sol——智能合约层（Solidity语言）；2. P2PLendingService.js——分布式账本技术（DLT）中间件服务（JavaScript语言）；3. P2PLendingAPI.js——后端API层（JavaScript语言）；4. Survey 287 Raw Num.csv——匿名化调研反馈数据（Qualtrics平台调研结果）；5. Hyp A1 - 新增属性.xlsx；6. Hyp A2 - 特征权重.xlsx；7. Hyp A2 - 基于惩罚机制.xlsx；8. Hyp A2 HFPT指标1-2.xlsx；9. Hyp A2 HFPT指标3-4-5.xlsx；10. Python - HypA1 - 新增属性（Python脚本）；11. Python - HypA2 - 特征权重（Python脚本）；12. Python - HypA2 - 基于惩罚机制（Python脚本）；13. Python - HypA2 - HFPT（Python脚本）；14. 全部访谈提纲