Peer-to-peer Lending and Crowdfunding
Peer-to-Peer Lending and Financial Inclusion with Altruistic Investors
... recently, crowdfunding and peer-to-peer lending platforms have enabled loans between lenders and borrowers that don’t know each other ...
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Intermediaries vs Peer-to-Peer: A Study of Lenders’ Incentive on a Donation-based Crowdfunding Platform
... Donation-based crowdfunding platform Kiva seems to hold the promise of peer-to-peer lending with zero interest rate to help the poor. However, it is actually intermediated by microfinance ...
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Mainstreaming social finance : the regulation of the peer to peer lending marketplace in the United Kingdom
... whole crowdfunding movement is built depends on a rather different model of organisation than the image conjured up by the traditional banking ...facilitating lending decisions by the crowd, but not ...
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Can Loan Descriptions Predict the Funding Probability in a Peer to Peer Lending Platform?
... to peer loans are not accounted on the books of the peer to peer lending platform, so no liability for the loans is ...for peer to peer lending, but also for online ...
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Peer-to-Peer Lending – A New Digital Intermediary, New Legal Challenges
... with peer-to- peer (P2P) lending as a new online source of financing, which differs from ...P2P lending be put in the context of the existing legislation? Is the existing legislation ...
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An overview of peer-to-peer lending
... platform is to link the two participants, and it does not provide its own funding. The platform charges a predetermined fee to both borrowers and investors. In general, potential borrowers apply for a loan and their ...
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Microfinancing and Home purchase Restrictions: Evidence from China’s Online Peer to Peer Lending
... This paper investigates whether borrowers’ home values affect their unsecured loans’ borrowing costs using data from a leading online peer-to-peer (P2P) platform in China. Taking China’s 2016 home -purchase ...
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Peer To Peer Lending
... of peer to peer lending and crowd funding in general has started being recognized by the authorities and already, some initiatives have been announced, such as the intention of the Financial Conduct ...
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The impact of commercial peer-to-peer lending websites on the finance of small business ventures
... P2P lending being a viable method of funding small business ventures, there has been very little published peer reviewed work to date on P2P lending and small business finance – apart from a small ...
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Peer to Peer Lending as a Financing Sources Alternatives for MSMEs in Cibaduyut Shoes Industry
... P2P lending which has growing rapidly. P2P lending has faster process, less cost and less complex requirement than credit ...P2P lending and the intention of them in using P2P lending as ...
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The Impact of Social Disclosures Within Fixed Rate Peer-to-Peer Lending Markets
... 113 work required to Update loan listings or develop clear and concise loan descriptions maybe akin to the qualities found in Hardworking individuals. For example, each Question Answered increases the Total Recovered ...
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Lending Club’s Note Trading Platform Facade: An Examination of Peer-to-Peer (P2P) Lending Secondary Market Inefficiency
... The process by which P2P loans are funded is similar in nature to crowd-funding services where one individual (the borrower) places a request for a loan on Lending Club’s marketplace and then investors pledge a ...
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Online Peer-to-Peer Lending: Challenging Consumer Protection Rationales, Orthodoxies and Models?
... to lending contracts merely match consumers to one another and facilitate communication of both private information (credit scoring) and public information (from the P2PL discussion ...
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Regulating peer-to-business lending in Canada
... national regulation specific to P2BL is implemented. As evident by the low uptake of MI 45-108 Crowdfunding, simply creating a regulation does not guarantee utilization. A national regulation helps to clarify the ...
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Judging Online Peer-to-Peer Lending Behavior: A Signaling Theory Perspective
... online Peer-to-peer (P2P) lending, which has received widely attention from government, industry, and ...borrower’s lending history has largely been ...P2P lending literature by ...
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Does Gender Affect Investors' Appetite for Risk?: Evidence from Peer-to-Peer Lending
... as peer-to-peer (p2p) lending. Peer-to-peer lending means direct lending and borrowing between individuals ("peers") without intermediation of a traditional ...
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Who Can Get Money? Evidence from the Chinese Peer-to-Peer Lending Platform
... online lending platforms in Western countries which can pull the borrower’s credit history and score from professional credit rating agencies, Renrendai relies on its own credit rating model to assess borrowers’ ...
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Diverse economies of debt : the possibilities for socially useful finance in peer-to-peer finance and reward-based crowdfunding
... in peer-to-peer loans is already existing money (Kaminska, ...of peer-to-peer, then, is an increase in the velocity of the money supply within the constraints of the existing system, in ...
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Urgensi Legalitas Financial Technology (Fintech): Peer to Peer (P2p) Lending Di Indonesia
... Dari beberapa jenis usaha tersebut, layanan P2P lending dan sistem pembayaran yang paling banyak digunakan oleh masyarakat. Di Indonesia, fintech juga telah berkembang, meskipun masih tertinggal jika dibandingkan ...
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microcredit toolkit peer lending program workbook
... • Read, discuss and resolve the three case studies in Appendix 3. Each case describes a situation that has occurred in previous Peer Lending groups. Discussing these situations will allow your group to find ...
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