From Credit Risk to Social Impact: On the Funding Determinants in Interest-Free Peer-to-Peer Lending

2019 ◽  
Author(s):  
Gregor Dorfleitner ◽  
Eva-Maria Oswald ◽  
Rongxin Zhang
Keyword(s):  
Credit Risk ◽  
Social Impact ◽  
Peer To Peer ◽  
Peer Lending

Mining Semantic Soft Factors for Credit Risk Evaluation in Peer-to-Peer Lending

2020 ◽  
Vol 37 (1) ◽  
pp. 282-308 ◽  
Author(s):  
Zhao Wang ◽  
Cuiqing Jiang ◽  
Huimin Zhao ◽  
Yong Ding
Keyword(s):  
Credit Risk ◽  
Risk Evaluation ◽  
Peer To Peer ◽  
Peer Lending ◽  
Soft Factors

scholarly journals PERLINDUNGAN HUKUM BAGI PEMBERI PINJAMAN ATAS RISIKO KREDIT DALAM PELAKSANAAN PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

2020 ◽  
Vol 6 (2) ◽  
pp. 129
Author(s):  
Indah Kusuma Wardhani ◽  
Fawzia Apriandini
Keyword(s):  
Credit Risk ◽  
Financial Institutions ◽  
Financial Services ◽  
Legal Protection ◽  
Peer To Peer ◽  
Services Sector ◽  
Financial Services Sector ◽  
Peer Lending ◽  
Very High ◽  
Financial Technology

The fastest growing financial technology (fintech) in Indonesia is peer to peer lending, where customers could obtain loans in a simple, easy, and fast way, yet without collateral. However, in practice, peer to peer lending has a very high credit risk because the ability of fintech companies in assessing prospective loan recipients is not as good as other financial institutions. Therefore, preventive and repressive legal protection are needed, especially for lenders, which are regulated in OJK Regulation Number 77/POJK.01/2016 concerning the Implementation of Information Technology-Based Lending and Borrowing and OJK Regulation Number 1/POJK.07/2013 concerning Consumers’ Protection in Financial Services Sector. With the two OJK Regulations, lenders have received sufficient legal protection, but it must be further strengthened, especially in terms of credit risk mitigation.Keywords: Legal Protection for Lenders, Peer To Peer Lending, Credit Risk

Sign in / Sign up

Export Citation Format

Share Document