Czasopismo
Tytuł artykułu
Warianty tytułu
Języki publikacji
Abstrakty
Peer-to-Peer lending which is also known as P2P is an online financial investment platform where individual investors finance projects by lending money to individual borrowers through social networks. P2P models usually contributing to less privileged people especially entrepreneurs and frontier groups who do not have access to formal financial services. However, due to the economic conditions and lack of government support, P2P lending platforms in developing countries often fail to reveal the 'credit history' and 'indebtedness' of individual borrowers which have an expressive impact on loan performance. The objective of this study is to demonstrate theoretically the factors those influence the lenders to participate in the P2P lending platform in developing countries and the associated risks. For this purpose, two propositions are developed to examine the factors to demonstrate the role of the social network is also combined to further explain the P2P lending. (original abstract)
Czasopismo
Rocznik
Tom
Numer
Strony
131--143
Opis fizyczny
Twórcy
autor
- Atılım University, Turkey
autor
- Atılım University, Turkey
Bibliografia
- Ariza, M., Arroyo, J., Caparrini, A., & Segovia, M.J. (2020). Explainability of a Machine Learning Granting Scoring Model in Peer-to-Peer Lending. IEEE Access, 8, 64873- 64890. http://dx.doi.org/10.1109/ACCESS.2020.2984412.
- Bachmann, A., Becker, A., Buerckner, D., Hilker, M., Kock, F., Lehmann, M., Tiburtius, P., & Funk, B. (2011). Online peer-to-peer lending-a literature review. Journal of Internet Banking and Commerce, 16(2), 1-18.
- Balyuk, T. (2019). Financial innovation and borrowers: Evidence from peer-to-peer lending. Rotman School of Management Working Paper, 2802220, 1-56. http://dx.doi.org/10.2139/ssrn.2802220.
- Bauchet, J., Marshall, C., Starita, L., Thomas, J., & Yalouris, A. (2011). Latest findings from randomized evaluations of microfinance. Washington: World Bank.
- Bertsch, C., & Rosenvinge, C.J. (2019). FinTech credit: Online lending platforms in Sweden and beyond. Sveriges Riksbank Economic Review, 2, 42-70.
- Bokhari, M.M. (2019). Credit Risk Analysis in Peer to Peer Lending Data set: Lending Club. Senior Projects Spring, 105, 1-48.
- Buckley, R.P., & Nixon, J. (2009). The role of reputation in banking. Journal of Banking and Finance Law and Practice, 20, 37-50.
- Chen, D., Lai, F., & Lin, Z. (2014). A trust model for online peer-to-peer lending: a lender's perspective. Information Technology and Management, 15(4), 239-254. http://dx.doi.org/10.1007/s10799-014-0187-z.
- Chen, X., Chong, Z., & Giudici, P. (2020). Networking with Peers: Evidence from a P2P Lending Platform. ADBI Working Paper, 1080, 1-46.
- Clarke, C. (2019). Platform lending and the politics of financial infrastructures. Review of International Political Economy, 26(5), 863-885. http://dx.doi.org/10.1080/0969 2290.2019.1616598.
- De Roure, C., Pelizzon, L., & Tasca, P. (2016). How does P2P lending fit into the consumer credit market? Discussion Paper Deutsche Bundesbank, 30/2016, 1-19.
- Deli, Y. D., Delis, M.D., Hasan, I., & Liu, L. (2019). Enforcement of banking regulation and the cost of borrowing. Journal of Banking & Finance, 101, 147-160. http://dx.doi.org/10.1016/j.jbankfin.2019.01.016.
- Dorfleitner, G., Oswald, E.M., & Zhang, R. (2019). From credit risk to social impact: On the funding determinants in interest-free peer-to-peer lending. Journal of Business Ethics, 1-26. http://dx.doi.org/10.1007/s10551-019-04311-8.
- Du, N., Li, L., Lu, T., & Lu, X. (2020). Prosocial Compliance in P2P Lending: A Natural Field Experiment. Management Science, 66(1), 315-333.
- Everett, C.R. (2019). Origins and development of credit-based crowdfunding. Graziadio Working Paper Series, 7, 1-32.
- Featherman, M.S., & Pavlou, P.A. (2003). Predicting e-services adoption: a perceived risk facets perspective. International journal of human-computer studies, 59(4), 451- 474. http://dx.doi.org/10.1016/S1071-5819(03)00111-3.
- Forbes (2018). What Is Crowdfunding? https://www.forbes.com/sites/devinthorpe/ 2018/06/25/what-is-crowdfunding/
Typ dokumentu
Bibliografia
Identyfikatory
Identyfikator YADDA
bwmeta1.element.ekon-element-000171613241