Moral Hazard and Peer Monitoring in a Laboratory Microfinance Experiment [PDF]
Most problems with formal sector credit lending to the poor in developing countries can be attributed to the lack of information and inadequate collateral. One common feature of successful credit mechanisms is group-lending, where the loan is advanced to
Lata Gangadharan +2 more
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‘Socially useful’ finance and the regulation of peer-to-peer lending in the United Kingdom [PDF]
, 2017 Economic policy has been a central debate in British politics since the economic crash.
Clarke, Chris, Rogers, Chris
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LEGAL CERTIFICATION IN ELECTRONIC CREDIT AGREEMENT
Journal of Private and Commercial Law, 2018 Today's business development is very advanced. No longer developing only business that leads conventionally but also leads to technology-based business.
dita perwitasari
doaj +1 more source
Online Fundraising Through the Lenses of Law, Economics, and Sociology: Examples from American P2P Lending and Thai Rotating Savings and Credit Association [PDF]
, 2019 In recent years, online lending has become a new method of financing that allows people to lend and borrow anywhere anytime. Yet, due to its complex and wide-ranging operation, the online lending phenomena has become one of the most buzzing regulatory ...
Dumrongvute, Poomsiri
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Referrals: peer screening and enforcement in a consumer credit field experiment [PDF]
, 2015 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.
Bryan, Gharad +2 more
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Lend to a friend, lose a friend? Guilt, shame, and the emotional costs of informal borrowing
Acta PsychologicaBackground: Informal borrowing from friends and acquaintances is a common financial practice in contexts where formal credit is limited, yet it carries significant emotional and relational implications.
Mwirigi Douglas +2 more
doaj +1 more source
Peer to Peer Lending Against Ease of Business Technology Acceptance Model (TAM) Approach
Economica: Jurnal Ekonomi Islam, 2019 : The progress of the times will always go hand in hand with technological developments. The presence of the disruptive era encouraged the financial industry to innovate.
Cita Sary Djaakum
doaj +1 more source
Does Gender Affect Funding Success at the Peer-to-Peer Credit Markets?: Evidence from the Largest German Lending Platform [PDF]
Studies of peer-to-peer lending in the USA find that female borrowers have better chances of getting funds than males. Is differential treatment of borrowers of different sexes a common feature of peer-to-peer lendingmarkets or is it subject to specific ...
Dorothea Schäfer, Nataliya Barasinska
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A credit scoring model based on the Myers-Briggs type indicator in online peer-to-peer lending. [PDF]
Financ Innov, 2022 Woo H, Sohn SY.
europepmc +1 more source
How Microfinance Can Close Asymmetrical Information on Peer-to-Peer Platforms [PDF]
, 2016 Peer-to-peer lending has sprung up in recent years, defined by its flexibility to meet the needs of loan applicants from a range of financial backgrounds.
Jones, Justin
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