The existence of small-medium enterprises (SMEs) in Indonesia growing rapidly and reaching up to 57 million SMEs and registered by the government. Those number could be increased due to the availability of micro-financial access for those SMEs. Understanding the behavior of the borrowers would be needed in Indonesia to understanding the risk of default caused by the borrowers. The methods that used for this research was doing some field experimental tests among delinquent and non-delinquent borrowers with a total of 80 number of observations. In the experiment, participants are going to be tested to measure the risk preference, trust preference, and time preference levels. The Study reveals that both risk, trust, and time preference positively affects individual characteristic towards loan repayment behavior to make an individual to be a non-delinquent person.