Results 91 to 100 of about 120,121 (209)

Putting the ‘digital’ in Digital Intermediaries: the role of technical infrastructure in building business models [PDF]

, 2014
Digital Technology Innovation and Financial Business Practices The UK economy has a huge dependence on financial services, and this is increasingly based on digital platforms.
Ferreira, J, Fish, A, McKnight, J, Perry, M   +3 more
core  

Does borrowers' impatience disclose their hidden information about default risk? [PDF]

, 2013
This chapter provides new evidence on borrowers' hidden information about their riskiness and its link to their impatience. To do so, I analyze consumer loans on the German platform Smava, which has a unique peer-to-peer lending process.
Kraus, Daniel
core  

Technology replaces culture in microcredit markets: the case of Italian MAGs [PDF]

We collect data from three Italian microcredit institutions which operate in urban areas by granting individual loans to two categories of wealthless borrowers: single entrepreneurs and organizations (cooperatives and associations).Evidence shows that ...
A. Fedele, F. Calidoni-Lundberg
core   +3 more sources

Can Warm Glow Alleviate Credit Market Failures? Evidence from Online Peer-to-Peer Lenders [PDF]

This paper looks at an institutional innovation in which Western investors lend peer-to-peer to poor country enterprises. Using a unique dataset from an online lending platform called MyC4, we find that MyC4’s Western lenders grant lower interest rates ...
Joost de Laat, Matthieu Chemin
core  

The Business Models and Economics of Peer-to-Peer lending. ECRI Research Report No 17, May 2016 [PDF]

, 2016
This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation.
Milne, Alistair, Parboteeah, Paul
core  

Implementasi Kebijakan Moratorium Fintech Peer- to-Peer Lending Terhadap Perlindungan Konsumen

Jurnal USM Law Review
This research aims to analyze the implementation of the Peer-to-Peer (P2P) Lending Moratorium policy on consumer protection in Indonesia, especially regarding aggressive billing practices by P2P lending companies.
Aisyah Nurhaliza, Imam Haryanto
doaj   +1 more source

Loan Pricing in Peer-to-Peer Lending

Journal of Risk and Financial Management
Lenders writing loans in the peer-to-peer market carry risk with the anticipation of an expected return. In the current implementation, many lenders do not have an exit strategy beyond holding the loan for the full repayment term. Many would-be lenders are deterred by the risk of being stuck with an illiquid investment without a method for adjusting to
David D. Maloney, Sung-Chul Hong, Barin Nag   +2 more
openaire   +1 more source

Joint Liability Lending in Microcredit Markets with Adverse Selection: a Survey [PDF]

This paper reviews recent literature on joint liability lending in microcredit markets characterized by adverse selection. This mode of lending consists of granting individual loans to wealthless borrowers provided that they form groups: if a group does ...
Alessandro Fedele
core  

Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment [PDF]

Empirical evidence on peer intermediation lags behind many years of lending practice and a large body of theory in which lenders use peers to mitigate adverse selection and moral hazard.
Dean Karlan, Gharad T. Bryan, Jonathan Zinman   +2 more
core  

Women and Trade: Gender\u27s Impact on Trade Finance and Fintech [PDF]

, 2017
Woman-owned firms engage differently with finance for trade. The barriers they face in starting and running a business are well-known. Yet, this offers little insight into how they finance their business once globalized.
DiCaprio, Alisa, Simms, Rebecca, Yao, Ying   +2 more
core   +1 more source