Results 261 to 270 of about 10,434 (305)
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PEER-TO-PEER LENDING AS AN ALTERNATIVE TO BANK LENDING
Scientific Review Theory and Practice, 2021The article considers the mechanism of P2P-lending as lending by individuals to other individuals, through specially created online platforms, in which the lender and borrower are directly connected, without the participation of traditional financial intermediaries.
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Drivers of lending decision in peer-to-peer lending in Malaysia
Review of Behavioral Finance, 2021PurposeDespite the emergence of peer-to-peer (P2P) lending in Malaysia, there is a knowledge gap on what drives the lending decision of P2P lending in the emerging Malaysian market. This research investigates how borrower's loan tenure, funding purpose, verified documents, accumulated transaction and repayment history, age, trustworthy and geographical
Mohammad Tariqul Islam Khan +1 more
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2020
Viene analizzato il fenomeno del peer-to-peer lending, ovvero la facilitazione di prestiti tra privati (peer-to-consumer) o da privati ad imprese (peer-to-business), attraverso il ricorso a piattaforme online. Sfruttando l’innovazione tecnologica, questa nuova struttura mira a soddisfare bisogni classicamente finanziari, con modalità originali e piu ...
antonio blandini, ludovica vairo
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Viene analizzato il fenomeno del peer-to-peer lending, ovvero la facilitazione di prestiti tra privati (peer-to-consumer) o da privati ad imprese (peer-to-business), attraverso il ricorso a piattaforme online. Sfruttando l’innovazione tecnologica, questa nuova struttura mira a soddisfare bisogni classicamente finanziari, con modalità originali e piu ...
antonio blandini, ludovica vairo
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Analysis of the impact of collateral on peer-to-peer lending
2017 IEEE/SICE International Symposium on System Integration (SII), 2017Peer-to-Peer (P2P) lending provides online services that match lenders with borrowers. Although the service is cheaper and faster than the traditional financial institutions, P2P lending may have high defaults, which the lenders may never recover.
Yu-Wei Lee, Shu-Heng Chen, Tina Yu
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Bankruptcy Exemption and Peer-to-Peer Lending
Emerging Markets Finance and Trade, 2021The effects of personal bankruptcy law on the activities of traditional credit markets have attracted significant interests in many studies.
Luxiu Zhang +4 more
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Crypto Literacy in Peer-to-Peer Lending
SSRN Electronic Journal, 2021The 2008 and 2020 crises reinvigorated discussions on the democratization of finance. Peer-to-peer (P2P) lending is a valuable option worldwide, but credit risk is high. To encourage investors, P2P platforms use blockchain and the option of crypto as collateral.
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Blockchain, herding and trust in peer-to-peer lending
Managerial Finance, 2018Purpose The gradual implementation of blockchain technology in peer-to-peer (P2P) lending platforms facilitates safer, transparent and quick access to funds without having to deal with the more complex and costly processes of banks. Beyond that, the purpose of this paper is to examine trust-enhancing heuristics that show a need for blockchain to ...
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Online Peer-to-Peer Lending: A Lenders' Perspective
SSRN Electronic Journal, 2008Online Peer-to-Peer lending platforms claim to be beneficial for both borrowers and lenders by eliminating expensive intermediaries and reducing transaction costs. However, are the often inexperienced lenders who operate in a pseudonymous online environment with potentially significant information asymmetries really able to obtain an attractive return ...
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Peer-to-Peer Lending Phenomenon in Indonesia
Proceedings of International Conference on Multidiciplinary ResearchAccording to a Financial Services Authority (OJK) report, funding through Fin Tech peer-to-peer (P2P) lending has grown significantly in the last five years. Fin Tech peer-to-peer (P2P) lending does provide many benefits to its users. Apart from the ease of making loans compared to conventional banks which provide many requirements, Fin Tech peer-to ...
Yurilla Endah Muliatie +2 more
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