Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending

2014 ◽  
Vol 47 (1) ◽  
pp. 54-70 ◽  
Author(s):  
Riza Emekter ◽  
Yanbin Tu ◽  
Benjamas Jirasakuldech ◽  
Min Lu
Keyword(s):  
Credit Risk ◽  
Peer To Peer ◽  
P2p Lending

scholarly journals Gender effect on the default risk in peer-to-peer lending markets: The case of the largest Chinese platform

2019 ◽  
Vol 9 (3) ◽  
pp. 8-22
Author(s):  
Lin Lingnan
Keyword(s):  
Credit Risk ◽  
Gender Discrimination ◽  
Default Risk ◽  
Probit Model ◽  
Peer To Peer ◽  
Gender Effect ◽  
Individual Characteristics ◽  
Model Estimate ◽  
P2p Lending ◽  
Peer Lending

Research of gender effect on funding success in peer-to-peer lending markets demonstrates that gender discrimination is a platform-specific phenomenon rather than a common feature. Can we get a similar conclusion about the relationship between gender and credit risk? How do gender differences affect default risk? We try to answer this question using the data of the largest peer-to-peer lending platform RenRenDai spanning from March 2016 to September 2016. In order to avoid the endogeneity problem, this paper first uses the instrumental variable method to conduct a baseline Probit model estimate connecting gender difference to the default rate with several borrowers’ individual characteristics under control. Then the original Probit model and a propensity score matching method aiming to eliminate the effects of divergent observable characteristics are applied to test the robustness of the outcome. Both the baseline estimation and the robustness test show that there is no significant gender effect on the probability of default, ceteris paribus. Therefore, borrowers’ gender is not a good screening device for the P2P lending platform to control the credit risk; other factors should be taken into account to reduce the non-performing loan rate. However, since this paper only investigates the situation of RenRenDai and the data we use is limited, we should be very careful to generalize our findings to other P2P lending platforms. More research on different P2P lending platforms in different regulatory regimes is in necessity

scholarly journals Why do peer-to-peer (P2P) lending platforms fail? The gap between P2P lenders' preferences and the platforms’ intentions

2021 ◽  
Author(s):  
Galit Klein ◽  
Zeev Shtudiner ◽  
Moti Zwilling
Keyword(s):  
Peer To Peer ◽  
P2p Lending

Credit risk modeling on data with two timestamps in peer-to-peer lending by gradient boosting

2021 ◽  
pp. 107672
Author(s):  
Ligang Zhou ◽  
Hamido Fujita ◽  
Hao Ding ◽  
Rui Ma
Keyword(s):  
Credit Risk ◽  
Peer To Peer ◽  
Gradient Boosting ◽  
Risk Modeling ◽  
Credit Risk Modeling ◽  
Peer Lending

PERLINDUNGAN DATA PRIBADI PENERIMA PINJAMAN DALAM TRANSAKSI PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

2021 ◽  
Vol 50 (4) ◽  
pp. 789
Author(s):  
Hendrawan Agusta
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Perkembangan teknologi informasi sangat pesat, adanya kolaborasi antara teknologi informasi dengan berbagai bidang kehidupan melahirkan berbagai macam inovasi yang membuat kehidupan masyarakat semakin mudah. Inovasi di bidang teknologi informasi melahirkan model bisnis baru yang pada gilirannya mampu menghasilkan efisiensi bagi masyarakat. Revolusi teknologi informasi tersebut terus berkembang dan sekarang memasuki bidang keuangan yang regulasinya ketat. Kolaborasi antara teknologi informasi dengan bidang keuangan melahirkan Teknologi Finansial atau Financial Technology (Fintech), salah satunya pinjam-meminjam uang berbasis teknologi informasi (Peer to Peer Lending/P2P Lending). Masyarakat menjadi lebih mudah mengakses kebutuhan keuangannya melalui P2P Lending. Di sisi lain, muncul tantangan dalam P2P Lending mengenai perlindungan data (data pribadi, data transaksi dan data keuangan). Dalam penelitian ini yang akan dibahas hanya data pribadi Penerima Pinjaman, dimana data pribadi tersebut perlu dilindungi agar tidak terjadi penyalahgunaan yang menimbulkan permasalahan hukum

An Approach to Developing a Scoring System for Peer-to-Peer (p2p) Lending Platform

2019 ◽  
pp. 347-357
Author(s):  
Alexander Agapitov ◽  
Irina Lakman ◽  
Zoya Maksimenko ◽  
Natalia Efimenko
Keyword(s):  
Scoring System ◽  
Peer To Peer ◽  
P2p Lending

scholarly journals Fintech Based Peer-too-peer (P2P) Lending : A Perspective of MSMEs In the New Normal Era of Pandemic Covid-19

2021 ◽  
Vol 5 (1) ◽  
pp. 26-46
Author(s):  
Tuti Zakiyah
Keyword(s):  
Sampling Method ◽  
Peer To Peer ◽  
Survey Method ◽  
Data Collection Tool ◽  
New Normal ◽  
Central Java ◽  
Inner Model ◽  
P2p Lending ◽  
R Value

The purpose of this research is to find out the role of Fintech Peer to Peer (P2P) lending based on the perception in the new normal era of Covid-19 as a financial inclusion for the recovery of the MSME financial sector. The population of this research is MSMEs in Central Java and East Java Provinces. The survey method was carried out by collecting data using a questionnaire as a data collection tool. In addition, researchers also use purposive sampling method to determine the sample. The analysis hypothesis is used the outer model and EViews 10 for the evaluation of the inner model. The results of this study are that peer to peer  lending together has a significant effect on the interests of MSME actors in East Java in The New Normal Era of the Covid-19, this is also supported by the Adjevtive R value which shows the number 87%.

scholarly journals Internet finance: Digital currencies and alternative finance liberating the capital markets

2015 ◽  
Vol 4 (4) ◽  
pp. 190-201 ◽  
Author(s):  
Kim Wales
Keyword(s):  
Capital Markets ◽  
Financial Services ◽  
Global Economy ◽  
Industrial Revolution ◽  
Peer To Peer ◽  
Agricultural Revolution ◽  
Internet Finance ◽  
P2p Lending ◽  
Conducting Wire ◽  
Alternative Finance

This article discusses how the sudden shift in policy reform and innovation has the potential to liberate the financial markets. The economic potential of internet finance is beginning to take hold across the capital markets as industries like Peer – to – Peer Lending, Equity and Debt based Crowdfunding and virtual currencies and cryptocurrencies which are types of digital currency are quickly transforming the way businesses are being financed. From borrowing and lending, buying and selling securities, to conducting wire transfers internationally, these innovations are creating a new class and generation of investors will source investments opportunities. Helping institutions and governments assess risks and manage performance in order to determine where to deploy capital; and showing signs of lessening the inequality gap. Following the neolithic agricultural revolution and the industrial revolution, this new revolution will enable more people to access financial services in less traditional ways, especially the unbanked world with its huge potential. These new financial opportunities, such as peer – to - peer (P2P) lending, will be discussed and examined, and we will stress how they can allow people to bypass current barriers in the global economy. We conclude by arguing that all these developments, energized by the efforts of innovators and entrepreneurs, have the potential to radically transform the world in which we live, while promoting the core values of industrialized societies including democracy, capital formation, sustainability, and equality without solely relying on tax increases.

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