scholarly journals The Impact of Peer-to-Peer Lending on Small Business Loans

2020 ◽  
Author(s):  
Jin-Hyuk Kim ◽  
Frank Stähler
Keyword(s):  
Small Business ◽  
Peer To Peer ◽  
Peer Lending ◽  
Small Business Loans ◽  
The Impact

scholarly journals Effects of Regional Bank Merger on Small Business Borrowing: Evidence from Japan

2015 ◽  
Vol 7 (11) ◽  
pp. 62
Author(s):  
Hironobu Miyazaki ◽  
Hiroyuki Aman
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Economies Of Scale ◽  
Loan Portfolio ◽  
Small Business Lending ◽  
Borrowing Costs ◽  
Bank Merger ◽  
Regional Bank ◽  
Small Business Loans ◽  
The Impact

This study examines the impact of a regional bank merger in Japan on borrowing by small businesses, focusing on firms that borrow from the acquiring bank, the acquired bank, or both. First, we find that post-merger borrowing costs declined. This result suggests that small borrowers enjoy more favorable post-merger financing conditions because efficiencies from economies of scale lead to lower costs. Second, we<strong> </strong>find that post-merger borrowing costs decline for firms that borrow only from the acquiring or acquired bank, whereas they did not decline for firms that borrow from both. Third, we find that only small business loans to firms that borrow from both the acquiring and acquired banks decrease post-merger. This result suggests that small business lending might decline because of a merged bank’s loan portfolio and lending strategy.

Digital Entrepreneurial Charity, Solidarity, and Social Change

2019 ◽  
pp. 921-942
Author(s):  
José Manuel Saiz-Alvarez ◽  
Jorge Colvin-Díez ◽  
Jorge Hernando Cuñado
Keyword(s):  
Social Change ◽  
Peer To Peer ◽  
New Wave ◽  
Digital Space ◽  
The Poor ◽  
Intensive Use ◽  
Peer Lending ◽  
Use Of Internet ◽  
The Impact

Microcredit has been studied from many perspectives. In this work, the authors analyze KIVA, the most important Person-to-Person microfinance organization from the viewpoint of social change, and they consider how it has impacted on the nascent of a new wave of entrepreneurs known as digital entrepreneurial charity. Applied to KIVA, the authors analyze the impact of the digital space and its Internet-based Peer-to-Peer Lending to create social change in the poor, while alleviating the poverty thanks to solidarity and charity. This work concludes affirming that banking the poor and education, with the intensive use of Internet-based devices, is the best way to alleviate poverty in the digital and globalized economic world. Finally, after their last research, the authors found some critics about Kiva and microcredits which might be interesting to be considered and these have been analyzed at the end of this work.

Digital Entrepreneurial Charity and Solidarity for Social Change

2020 ◽  
pp. 495-514
Author(s):  
José Manuel Saiz-Alvarez ◽  
Jorge Colvin-Díez
Keyword(s):  
Social Change ◽  
Peer To Peer ◽  
New Wave ◽  
Digital Space ◽  
The Poor ◽  
Intensive Use ◽  
Peer Lending ◽  
Use Of Internet ◽  
The Impact

Microcredit has been studied from many perspectives. In this chapter, we analyze KIVA, the most important Person-to-Person microfinance organization from the perspective of social change, and we study how it has impacted on the nascent of a new wave of entrepreneurs known as digital entrepreneurial charity. Applied to KIVA, we analyze the impact of the digital space and its Internet-based Peer-to-Peer Lending to create social change in the poor, while alleviating the poverty thanks to solidarity and charity. This work concludes affirming that banking the poor and education, with the intensive use of Internet-based devices, is the best way to alleviate poverty in our digital and globalized economic world.

The Impact of IPO on Peer-to-Peer Lending Platforms

2018 ◽  
Author(s):  
Maxime Cohen ◽  
Kevin Jiao
Keyword(s):  
Peer To Peer ◽  
Peer Lending ◽  
The Impact

The Impact of Venture Capital Investment on the Performance of Peer‐to‐Peer Lending Platforms: Evidence from China

2019 ◽  
Vol 48 (5) ◽  
pp. 640-665
Author(s):  
Dingwei Gu ◽  
Tian Lu ◽  
Pinliang Luo ◽  
Chenghong Zhang
Keyword(s):  
Venture Capital ◽  
Capital Investment ◽  
Peer To Peer ◽  
Venture Capital Investment ◽  
Peer Lending ◽  
The Impact

scholarly journals The Impact of Peer-to-Peer (P2P) Lending on Business Development of Small and Medium-Sized Enterprises

2021 ◽  
Vol 5 (2) ◽  
pp. 201
Author(s):  
Rindah Febriana Suryawati ◽  
Duhita Paramaramya Putri Nurdana
Keyword(s):  
Financial Institution ◽  
Peer To Peer ◽  
T Test ◽  
Least Square ◽  
Significant Difference ◽  
Before And After ◽  
P2p Lending ◽  
Peer Lending ◽  
The Impact ◽  
Paired T Test

The problem faced by most micro-entrepreneurs in Indonesia is financing business. Peer-to-peer (P2P) lending is a non-bank financial institution that can be an alternative source of financing because of the requirements and easy application usage. This study aims to analyze the impact of peer-to-peer lending on business expenses, business turnover, total employment, total sales of products, and profits before and after obtaining a peer-to-peer lending loan and analyze factors affecting the increase in business turnover after getting a loan through peer-to-peer lending. The methods used in this study include the descriptive analysis method, paired t-test, and ordinary least square (OLS). The paired t-test results indicate that there is a significant difference between business expenses, business turnover, the amount of labor, the number of product sales, and profit before and after obtaining a peer-to-peer lending loan. The result of analysis with the OLS method shows that the length of business and expenditure of the business has a significant effect on the development of respondents' business turnover.

Cheap Talk? The Impact of Lender-Borrower Communication on Peer-to-Peer Lending Outcomes

2018 ◽  
Vol 35 (1) ◽  
pp. 53-85 ◽  
Author(s):  
Jennifer J. Xu ◽  
Michael Chau
Keyword(s):  
Cheap Talk ◽  
Peer To Peer ◽  
Peer Lending ◽  
The Impact

Digital Entrepreneurial Charity, Solidarity, and Social Change

2017 ◽  
Vol 7 (1) ◽  
pp. 29-48
Author(s):  
José Manuel Saiz-Alvarez ◽  
Jorge Colvin-Díez ◽  
Jorge Hernando Cuñado
Keyword(s):  
Social Change ◽  
Peer To Peer ◽  
New Wave ◽  
Digital Space ◽  
The Poor ◽  
Intensive Use ◽  
Peer Lending ◽  
Use Of Internet ◽  
The Impact

Microcredit has been studied from many perspectives. In this work, the authors analyze KIVA, the most important Person-to-Person microfinance organization from the viewpoint of social change, and they consider how it has impacted on the nascent of a new wave of entrepreneurs known as digital entrepreneurial charity. Applied to KIVA, the authors analyze the impact of the digital space and its Internet-based Peer-to-Peer Lending to create social change in the poor, while alleviating the poverty thanks to solidarity and charity. This work concludes affirming that banking the poor and education, with the intensive use of Internet-based devices, is the best way to alleviate poverty in the digital and globalized economic world. Finally, after their last research, the authors found some critics about Kiva and microcredits which might be interesting to be considered and these have been analyzed at the end of this work.

To Lend or Not to Lend

2020 ◽  
pp. 1-22
Author(s):  
Traci L. Mach ◽  
Courtney M. Carter ◽  
Cailin R. Slattery
Keyword(s):  
Logistic Regression ◽  
Interest Rate ◽  
Small Business ◽  
Interest Rates ◽  
Small Businesses ◽  
Peer To Peer ◽  
Business Loan ◽  
Level Data ◽  
Small Business Loans

The current paper examines loan-level data from Lending Club to look at peer-to-peer borrowing by small businesses. We begin by looking at characteristics of loan applications that were and were not funded and then take a more in-depth look at funded applications. Summary statistics show an increasing number of small business loan applications over time. Beginning in 2010—when consistent measures of loan purpose were recorded for all applications—loan applications for small businesses were on average less likely than loans for other purposes to have been funded. However, logistic regression results that control for the quality of the application show that, holding all else constant, applications for a loan for a small business were almost twice as likely to have been funded as loans for other purposes. Focusing on funded applications, we note that funded business loans were slightly larger on average than loans funded for other purposes but paid similar interest rates. However, relative to small business loans from traditional sources, peer-to-peer small business borrowers paid an interest rate that was about two times higher. Regression results that control for application quality show that peer-to-peer loans for small businesses were charged almost a percentage point interest rate premium over non-business loans. Logistic regression results that look at loan performance indicate that loans for small businesses were much more likely to be delinquent or charged off.

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