scholarly journals Does Gender Affect Funding Success at the Peer-to-Peer Credit Markets? Evidence from the Largest German Lending Platform

Author(s):  
Nataliya Barasinska ◽  
Dorothea Schaefer
2019 ◽  
pp. 95-121
Author(s):  
Philip T. Hoffman ◽  
Gilles Postel-Vinay ◽  
Jean-Laurent Rosenthal

This chapter explains how, in the wake of the French Revolution's devastating inflation, local, peer-to-peer credit markets recuperated slowly. After such enormous losses, conditions for lending were hardly promising. Worse yet, one of the major revolutionary reforms that would eventually bolster credit markets—the Hypothèques registers created to record liens—took decades to take hold, particularly outside Paris. Yet despite these obstacles, credit markets did grow outside Paris and they did so substantially. By 1840, the stock of debt outside Paris exceeded its Old Regime peak. Clearly, the three decades between 1807 and 1840 was a time when notarial credit revived and expanded.


Author(s):  
Philip T. Hoffman ◽  
Gilles Postel-Vinay ◽  
Jean-Laurent Rosenthal

This chapter focuses on the French Revolution's impact on credit markets and the long-term implications for lending. It begins with the revolution's fundamental institutional reforms, which shaped credit markets for the rest of the nineteenth century. The chapter analyzes the effect of the reforms and the consequences of the revolutionary inflation—this entails looking at how borrowers and lenders reacted, both in the short and long run. It also involves examining shifts in their demand for notaries' services, whether to draw up contracts if clients were illiterate, or to secure loans with collateral. Finally, the chapter examines the difficulty that borrowers and lenders had in the peer-to-peer matching markets where only a few loans were made each month.


2014 ◽  
Vol 15 (4) ◽  
pp. 436-452 ◽  
Author(s):  
Nataliya Barasinska ◽  
Dorothea Schäfer

Abstract According to the literature on traditional banking, lenders often discriminate against female borrowers. However, studies of peer-to-peer lending in the United States find that female borrowers have better chances of obtaining funds than do males. We provide evidence on the success of female borrowers at a large German peer-to-peer lending platform. Our results show that there is no effect of gender on the individual borrower’s chance to receive funds on this platform, ceteris paribus. Several robustness checks confirm this finding. Hence, female discrimination seems to be eased by the ‘wisdom of the lending crowd’.


PADUA ◽  
2016 ◽  
Vol 11 (1) ◽  
pp. 65-71 ◽  
Author(s):  
Jörg Haslbeck

Zusammenfassung. In der Gesundheitsversorgung von Menschen, die mit chronischen Krankheiten leben, wird soziale Unterstützung durch «peers» immer bedeutsamer, d. h. durch Personen, die aufgrund ähnlicher Krankheits- und Alltagserfahrungen in einer vergleichbaren Lebenssituation sind. Welche Potenziale, Chancen sowie Grenzen hat «peer-to-peer healthcare» im Kontext von Selbstmanagementförderung? Der Beitrag diskutiert dies anhand von Erfahrungen mit dem Stanford Kursprogramm «Gesund und aktiv leben».


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