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Request a loan for up to $25,000 and set the interest rate you're willing to pay! Get a personal loan through Prosper.com - the Online P2P lending marketplace

web 2.0 tech blog

Zopa is a lending and borrowing exchange where real people sidestep the banks to get a better deal. Borrowers get a great rate and flexible terms, lenders get a great return and can control who their money is lent to. There's no crunch here!

Baráti kölcsönök méltányos feltételekkel - noba.hu közösségi, baráti kölcsön

Egyelőre nulla százalékos kamatozású hitellel indul el jövőre az a barátikölcsön-modell, amelybe az egyik Iwiw-alapító, Petrovics Péter, illetve a volt bankár, Szabó Károly tették be pénzüket. Interjú a Noba.hu alapítóival, akik szerint rendszerüknek az elmaradott térségekben dolgozó civil szervezetek hasznát vennék.

- Új, közösségi hitelezéssel foglalkozó szájtot indít az iWiW egyik alapítója. Az oldal összekapcsolja azokat, akik kölcsönadnának azokkal, akiknek hitelre van szükségük. Hitelek a bankok háta mögött.

This paper studies peer-to-peer (p2p) lending on the Internet. Prosper.com, the first p2p lending website in the US, matches individual lenders and borrowers for unsecured consumer loans. Using transaction data from June 1, 2006 to July 31, 2008, we examine what information problems exist on Prosper and whether social networks help alleviate the information problems. As we expect, data identifies three information problems on Prosper.com. First, Prosper lenders face extra adverse selection because they observe categories of credit grades rather than the actual credit scores. This selection is partially offset when Prosper posts more detailed credit information on the website. Second, many Prosper lenders have made mistakes in loan selection but they learn vigorously over time. Third, as Stiglitz and Weiss (1981) predict, a higher interest rate can imply lower rate of return because higher interest attracts lower quality borrowers. Micro-finance theories argue that social networks may identify good risks either because friends and colleagues observe the intrinsic type of borrowers ex ante or because the monitoring within social networks provides a stronger incentive to pay off loans ex post.

Nicholas Yee: Motivations of Play in Online Games

Make a loan to an entrepreneur in the developing world for as little as $25. Kiva is the world's first online lending platform connecting online lenders to entrepreneurs across the globe.

Úgynevezett "komoly" játékok listája, amikor nem a szórakoztatás az elsődleges cél.

Social enterprise has a soulmate in Web 2.0, a powerful new tool for bottom-up, collaborative innovation.

SSRN-A Test of the Law of Demand in a Virtual World: Exploring the Petri Dish Approach to Social Science by Edward Castronova