scholarly journals A predictive indicator using lender composition for loan evaluation in P2P lending

2021 ◽  
Vol 7 (1) ◽  
Author(s):  
Yanhong Guo ◽  
Shuai Jiang ◽  
Wenjun Zhou ◽  
Chunyu Luo ◽  
Hui Xiong
Keyword(s):  
Empirical Study ◽  
Continuous Improvement ◽  
Aggregation Process ◽  
Accuracy Improvement ◽  
Evaluation Indicator ◽  
Performance Risk ◽  
Evaluation Models ◽  
P2p Lending ◽  
Loan Quality ◽  
Predictive Indicator

AbstractMost loan evaluation methods in peer-to-peer (P2P) lending mainly exploit the borrowers’ credit information. However, the present study presents the maturity-based lender composition score, which exploits the investment capability of a group of lenders who fund the same loan, to enhance the P2P loan evaluation. More specifically, we extract lenders’ profiles in terms of performance, risk, and experience by quantifying their investment history and develop our loan evaluation indicator by aggregating the profiles of lenders in the composition. To measure the ability of a lender for continuous improvement in P2P investment, we introduce lender maturity to capture this evolvement and incorporate it into the aggregation process. Our empirical study demonstrates that the maturity-based lender composition score can serve as an effective indicator for identifying loan quality and be included in other commonly used loan evaluation models for accuracy improvement.

scholarly journals Relación entre Mejora Continua, Innovación y Compromiso Medio Ambiental de la Gerencia, un Estudio Empírico (An empirical study of the relationships between management´s continuous improvement, innovation and environmental commitment)

2012 ◽  
Vol 6 (3) ◽  
pp. 9 ◽  
Author(s):  
Conrado Carrascosa López ◽  
Ángel Peiró Signes ◽  
María del Val Segarra Oña
Keyword(s):  
Environmental Management ◽  
Empirical Study ◽  
Continuous Improvement ◽  
Direct Relationship ◽  
Environmentally Friendly ◽  
The Other ◽  
Font Size ◽  
Field Of Study ◽  
Environmental Commitment ◽  
A Company

<span style="font-family: AGaramond-Regular; font-size: xx-small;"><span style="font-family: AGaramond-Regular; font-size: xx-small;"><p>La mejora continua es un campo de estudio y aplicacion muy desarrollado a nivel empresarial. Por otra parte, el concepto innovacion parece ser, en el siglo XXI, el remedio a cualquier tipo de problema de empresas y paises. Estos conceptos unidos al interes creciente por el cuidado del medioambiente y la implantacion de politicas medioambientalmente responsables, tanto por parte de la sociedad, las empresas y las administraciones publicas, lleva a preguntarnos si existe alguna relacion entre estos conceptos. Asi, el proposito de este trabajo es explorar la relacion existente entre la voluntad de la gerencia de impulsar mejoras en la gestion medioambiental de la empresa con la aplicacion de la mejora continua, las dos como componentes de una orientacion innovadora. Para ello se analizan los datos relativos a ocho mil treinta y ocho empresas espanolas recogidas en la base de datos PITEC mediante tecnicas cuantitativas. Los resultados indican que, fectivamente, tras la clasificacion de las empresas en grupos con diferente proactividad medioambiental, se observa que las empresas con mayor proactividad medioambiental muestran una relacion directa con las actividades de innovacion y mejora continua.</p><p> </p><p><strong>ABSTRACT</strong></p><span style="font-family: AGaramond-Regular; font-size: xx-small;"><span style="font-family: AGaramond-Regular; font-size: xx-small;"><p>Continuous improvement is a well developed field of study at the entrepreneurial level. On the other hand, innovation seems to be the remedy for any kind of problem faced by both businesses and countries on the XXI century. Both these concepts plus a growing concern for the environment and the introduction of environmentally friendly policies by civil societies, companies and public administrations, lead us to question if there is a common relationship between these concepts. Thus, this work explores the existing relationship between management´s desire to improve a company´s environmental management and the application of continuous improvement as part of an innovating orientation. To that end, data related to 8038 Spanish companies gathered from the PITEC database was analyzed using quantitative techniques. After classifying the companies into groups with different environmental proactiveness, results show that the companies with a greater environmental proactiveness display a direct relationship with innovation and continuous improvement activities.</p></span></span></span></span><span style="color: #f2fbff; font-family: Futura-HeavyOblique;"><span style="color: #f2fbff; font-family: Futura-HeavyOblique;"><span style="font-family: AGaramond-Regular; font-size: xx-small;"><span style="font-family: AGaramond-Regular; font-size: xx-small;">de innovacion y mejora continua.</span></span></span></span>

scholarly journals Determinants of default in p2p lending: the Mexican case

2018 ◽  
Vol 9 (1) ◽  
pp. 001
Author(s):  
Carlos Eduardo Canfield
Keyword(s):  
Survival Times ◽  
Informal Finance ◽  
Policy Makers ◽  
Female Applicant ◽  
Income Ratio ◽  
P2p Lending ◽  
On Line ◽  
Credit Scores ◽  
Loan Quality ◽  
Unique Dataset

P2P lending is a new method of informal finance that uses the internet to directly connect borrowers with on-line communities. With a unique dataset provided by Prestadero, the largest on-line lending platform with national presence in Mexico, this research explores the effect of credit scores and other variables related to loan and borrower´s traits, in determining default behavior in P2P lending. Moreover, using a logistic regression model, it tested whether investors might benefit from screening loan applicants by gender after controlling for loan quality. The results showed that information provided by the platform is relevant for analyzing credit risk, yet not conclusive. In congruence with the literature, on a scale going from the safest to the riskiest, loan quality is positively associated with default behavior. Other determinants for increasing the odds of default are the payment-to-income ratio and refinancing on the same platform. On the contrary loan purpose and being a female applicant reduce such odds. No categorical evidence for differential default behavior was found for gender´s case-discrimination, under equal credit conditions. However it was found that controlling for loan quality, women have longer loan survival times than men. This is one of the first studies about debt crowdfunding in Latin America and Mexico. Implications for lenders, researchers and policy-makers are also discussed.

LEGAL PROTECTION FOR DEBTORS OF ONLINE LOANS

2020 ◽  
Vol 4 (1) ◽  
pp. 46
Author(s):  
Dimas Pramodya Dwipayana
Keyword(s):  
Legal Protection ◽  
Peer To Peer ◽  
Financial Transaction ◽  
P2p Lending ◽  
Bad Loans ◽  
Loan Quality ◽  
Low Rate ◽  
Research Show ◽  
Financial Technology

Business concepts has experienced change from conventional (offline) to that which is digital (online) to win the market. This includes businesses in the financial technology (FinTech). This research aims to analyze the quality of loans in Indonesia FinTech-Peer to Peer (P2P) Lending. The objects of this research are seventy-two companies which establish FinTech-P2P lending. The tool used in this research is the analysis of the loan quality and the data trend from January until October 2018. Results of this research show that borrower and lender accounts have increased by 10,8 times, and it has increased by 1,8 times compared to the previous year. P2P lending has distributed loans as much as Rp.15.990.143.141.355 until October 2018. This number has grown 5,3 times since January of that year. Most of the loans in the P2P lending are current loans, in which its monthly payment is less than 30 days past due as of any date of determination. On average, the loan quality in the P2P lending is dominated by current loans, which reach 97,09%. The rest are non-current loans (1,90%) and bad loans (1,03%) every month. The low rate of non-performing loans shows a good quality of financial transaction. The information from this research may be used as a consideration for the society in using FinTech-P2P Lending for lending funds and investment.

On-the-Job Training in Line Heating at Astilleros Españoles Shipyards—A Profitable Experience

1994 ◽  
Vol 10 (04) ◽  
pp. 233-238
Author(s):  
Antonio Sarabia ◽  
Carlos Puig de la Bellacasa
Keyword(s):  
Technology Transfer ◽  
Continuous Improvement ◽  
Job Training ◽  
Dimensional Accuracy ◽  
Active Participation ◽  
Improvement Program ◽  
Accuracy Improvement ◽  
Line Heating ◽  
Continuous Improvement Process ◽  
Improvement Process

This paper describes the experience in teaching Astilleros Espanoles (AESA) steel fabrication workers the practical use of line heating (L/H) for accurate bending of plates, and the operational deployment of this technology in all shipyards in the group. This project is set within the developing dimensional accuracy improvement program, which is aimed at improving productivity, quality and allowing the implementation of a continuous improvement process. The approach used is for facilitating a systematic technology transfer from Japanese specialists, overcoming initial reluctance, promoting active participation with a commitment from workers and foremen, and assuring practical documentation of experiences in the form of a shop operating manual.

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