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kenza_abdelhaq

Peer-to-Peer Lending: Best Websites of February 2021 - 0 views

www.investopedia.com/...eertopeer-lending-websites.asp

Fintech Strategy Peer-to-Peer Lending Lending

shared by kenza_abdelhaq on 13 Feb 21 - No Cached
  • If you can’t or don’t want to borrow money from a brick-and-mortar bank or a conventional online lender, peer-to-peer (P2P) lending is an option worth exploring. P2P lending works differently from the financing you may have received in the past. You are not borrowing from a financial institution but rather from an individual or group of individuals who are willing to loan money to qualified applicants. P2P lending websites connect borrowers directly to investors, as these lenders are called. Each website sets the rates and the terms (sometimes with investor input) and enables the transaction. P2P has only existed since 2005, but the crowd of competing sites is already considerable. While they all operate the same basic way, they vary quite a bit in their eligibility criteria, loan rates, amounts, and tenures, as well as their target clientele. To jump-start your search, we scoured the online P2P marketplace and came up with these top six platforms, depending on your exact financial situation.
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      P2P lending could be a strategy pursued by the eligible fintech companies that we have this semester. P2P lending means that the company would not be borrowing money from a financial institution but rather from an individual or group of people that are willing to lend money to qualified applicants/organizations. This article enumerates the most prominent platforms for P2P lending.
  • Types of Loans Available Through Peer-to-Peer Lending P2P loans can be used for many of the same purposes as personal loans. Here are a few of the loan types you may find on popular P2P websites.  Personal LoansHome Improvement LoansAuto LoansStudent LoansMedical LoansBusiness Loans
    • kenza_abdelhaq
      kenza_abdelhaq on 13 Feb 21
       
      If a company does not want to borrow from conventional banks or a fintech company want to offer this service, Peer-to-Peer lending is a great alternative.
kenza_abdelhaq

ᐉ Peer-To-Peer Lending * How We has Contributed to P2P lending - 0 views

perfectial.com/...peer-to-peer-lending

Fintech Strategy Peer-to-Peer Lending Lending

shared by kenza_abdelhaq on 13 Feb 21 - No Cached
  • Despite the fact peer-to-peer lending has numerous benefits over the classic model, it also has certain potential drawbacks, such as lower level of security and personal guarantees as compared to bank loans. This is why only the most reputable P2P lending marketplaces with a positive track record are potentially able to boost the entire fintech industry.
    • kenza_abdelhaq
      kenza_abdelhaq on 13 Feb 21
       
      Peer to peer lending has great potential with regard to the fintech industry. It could also be an alternative for farmers to have access to funding.
nouhaila_zaki

Developing a P2P lending platform: stages, strategies and platform configurations | Eme... - 1 views

www.emerald.com/...html

P2P Lending Fintech Strategy Success

shared by nouhaila_zaki on 13 Feb 21 - No Cached
  • Our process model contributes an in-depth view of how P2P lending platforms should be established and nurtured to complement the existing studies in this rapidly growing research area. In addition, our study also hints at the strategies that can facilitate the various stages. Our model can potentially serve as the foundation for formulating guidelines for the managers of P2P lending platforms, so that they are able to optimize the development of their platforms and extend the benefits of P2P lending to a broader base of customers.
    • kenzabenessalah
      kenzabenessalah on 13 Feb 21
       
      P2P lending would help EasyEquities expand their platform and optimize the development of their platforms for constant success.
  • Online Peer-to-Peer (P2P) lending platforms are becoming increasingly popular globally in recent years. Our knowledge of how to develop and manage the digital platforms that make P2P lending possible, however, is limited. Through an in-depth examination of the strategies deployed and actions taken across the various stages of development of Tuodao, one of the most successful online P2P lending platforms in China, the purpose of this study is to develop a process model of P2P Lending Platform Development to address this knowledge gap.
    • nouhaila_zaki
      nouhaila_zaki on 13 Feb 21
       
      This article is important because it investigates how to develop and manage digital platforms that make P2P platform successful through the consideration of Tuodao, one of the most successful online P2P lending platforms in China.
mehdi-ezzaoui

Kiva.org: Crowd-Sourced Microfinance and Cooperation in Group Lending by Scott E. Hartl... - 1 views

papers.ssrn.com/...papers.cfm

KIVA Fintech Trainning

shared by mehdi-ezzaoui on 13 Feb 21 - No Cached
  • he “Kiva.org: Crowd-Sourced Microfinance and Lending Team Cooperative Behavior” study focuses on evaluating the extent to which Solidarity as a design-lever impacts social behavior. Looking specifically at Kiva.org as a prominent community for peer-to-peer lending, this study seeks to evaluate the advent of “Lending Teams,” their subsequent impact on group lending behavior, and the extent to which group openness, size, and categorization substantively alters online cooperative behavior.
mehdi-ezzaoui

Microfinance in online space: a visual analysis of kiva.org: Development in Practice: V... - 1 views

www.tandfonline.com/...09614524.2011.583637

KIVA online Service

shared by mehdi-ezzaoui on 13 Feb 21 - No Cached
  • Microfinance practices were originally developed in offline contexts. Modern microfinance practices were based on development models for the financial and social empowerment of the poorest of poor in developing countries. Several of these practices drew from existing traditions of money lending within local communities that were reformed to be in sync with rural development and the empowerment of the underprivileged individual. In present ‘postmodern’ times, microfinance providers are using online tools in the hopes of broadening the reach and extending the advantages provided by such a model of micro-lending and micro-borrowing. In this article, we examine an online peer-to-peer lending and borrowing website, Kiva.org, which uses online social networking tools in microfinance. The study is thus a close look at the actual content of the website with a view to understanding the representational practices of online space through Internet mediated microfinance.
  • mehdi-ezzaoui on 13 Feb 21
     
    this article is interesting because its talks about online microfinance in general and talk about KIVA .
mohammed_ab

State of play: Fintech in Nigeria - The Economist Intelligence Unit (EIU) - 0 views

eiuperspectives.economist.com/...state-play-fintech-nigeria

MTN Fintech Financial inclusion

shared by mohammed_ab on 13 Feb 21 - No Cached
  • Nigerian fintechs are branching out from payments into lending, micro-investment, wealth management, peer-to-peer transfers and insurance. Payments and remittances are the most developed subsector to date. The country has seen a surge of new and simplified apps to help merchants, businesses and consumers. Mainstream banks, initially slow to react to the digital era, have quickly adapted to offer apps and tools in areas like loans, while non-traditional players—including telecom companies and retailers such as supermarkets—are entering the finance space. 
  • mohammed_ab on 13 Feb 21
     
    I think that this article is very interesting as it shows how Nigerian fintechs are starting to consider more service offerings. It's not just about payment anymore, these Nigerian fintech started to focus more on lending, insurance, and wealth management.
hichamachir

Prosocial Crowdlending in Kenya - 0 views

ideas.repec.org/...d-1166.html

Crowdlending Kenya KivaZip

shared by hichamachir on 12 Feb 21 - No Cached
  • The crowdfunding industry has emerged in the past few years as one of the most promising alternative financing options. Lending and donating operations accounted for 81% of the crowdfunding industry's $34.4 billion total funding volume in 2015. Kiva Zip, a prosocial program, created an online platform that provides 0% interest peer-to-peer loans and has features in common with lending and donating crowdfunding platforms.
  • hichamachir on 12 Feb 21
     
    I think that delivering a service with 0% interest rate is a brilliant idea from Kiva. Customers always look for cheap and efficient services and Kiva does provide these two components. Kiva has a brilliant future if they can control the social market because it's the future especially after this current pandemic.
ayoubb

Fintech and the Future of Finance by James Guild :: SSRN - 0 views

papers.ssrn.com/...papers.cfm

shared by ayoubb on 13 Feb 21 - No Cached
  • The application of technological innovations to the finance industry (Fintech) has been attracting tens of billions of dollars in venture capital in recent years. Examples of Fintech innovations include digital cash transfer services in Kenya and India, and peer-to-peer lending platforms in China. These services, when developed in tandem with complementary government policies and regulatory frameworks, have the potential to expand financial services to hundreds of millions of people currently lacking access and to break new ground on the way finance is conducted. This is important because sustainable economic growth is strongly linked with financial inclusion. The successful adoption of Fintech to increase financial inclusion is highly dependent on competent regulatory oversight. By examining varying degrees of success in the adoption of Fintech services in Kenya, India and China this paper argues that adopting a responsive regulatory approach, rather than an overly interventionist one, is the most suitable framework for boosting financial inclusion through technological innovation.
    • ayoubb
      ayoubb on 13 Feb 21
       
      Innovation
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