The Role of P2P Platforms in Enhancing Financial Inclusion in US – An Analysis of Peer-to-Peer Lending Across the Rural-Urban Divide

2020 ◽  
Author(s):  
Pankaj K. Maskara
Keyword(s):  
Peer To Peer ◽  
Financial Inclusion ◽  
Peer Lending

Trust and Credit: The Role of Appearance in Peer-to-peer Lending

2012 ◽  
Vol 25 (8) ◽  
pp. 2455-2484 ◽  
Author(s):  
Jefferson Duarte ◽  
Stephan Siegel ◽  
Lance Young
Keyword(s):  
Peer To Peer ◽  
Peer Lending

Tell Me a Good Story and I May Lend you Money: The Role of Narratives in Peer-to-Peer Lending Decisions

2011 ◽  
Vol 48 (SPL) ◽  
pp. S138-S149 ◽  
Author(s):  
Michal Herzenstein ◽  
Scott Sonenshein ◽  
Utpal M. Dholakia
Keyword(s):  
Peer To Peer ◽  
Good Story ◽  
Peer Lending ◽  
Lending Decisions

P2P Lending: Bridging India’s Credit Gap

2019 ◽  
pp. 173-180
Author(s):  
Sonia Gupta
Keyword(s):  
Peer To Peer ◽  
Regulatory Framework ◽  
Financial Inclusion ◽  
Digital Tools ◽  
Financial Innovations ◽  
P2p Lending ◽  
Credit Gap ◽  
Peer Lending ◽  
Financing Option ◽  
Alternative Investment

With the financial meltdown, new financial innovations and alternative investment products made their way to India. The concept of Peer to Peer lending is an alternative financing option available to the unbanked section of the population or people with limited institutional credit exposure. Developments in new digital tools, alternate credit models enabled bridging of the credit gap. With RBI devising a regulatory framework and stringent policies, these NBFC-P2Ps have been given a needed push to the cause of financial inclusion in the Economy.

The Role of Photographs in Online Peer-to-Peer Lending Behavior

2014 ◽  
Vol 42 (3) ◽  
pp. 445-452 ◽  
Author(s):  
Xiaolan Yang
Keyword(s):  
College Students ◽  
Peer To Peer ◽  
Peer Lending ◽  
Lending Behavior

My purpose in this study was to evaluate the role of photographs in online peer-to-peer lending behavior. I recruited 92 college students to rate trustworthiness or emotion by viewing the photographs of borrowers on a peer-to-peer lending platform. Following this, I showed 209 college students an advertisement with a photograph and asked how much money they would be willing to lend the person in the photograph. The lending amount was higher for advertisements with a photograph rated trustworthy than for a photograph rated untrustworthy, and higher for advertisements with a photograph rated happy than for a photograph rated sad. These results indicate that judgments of both trustworthiness and happiness as perceived in photographs play an important role in lending behaviors.

scholarly journals Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Yang Berkeadilan Kajian Peraturan Otoritas Jasa Keuangan Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan

2019 ◽  
Vol 19 (1) ◽  
pp. 15
Author(s):  
Dwi Edi Wibowo
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Peer To Peer ◽  
Financial Industry ◽  
Fast Process ◽  
Bank Institution ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Abstrak Peranan internet dalam teknologi informasi telah digunakan untuk mengembangkan industri keuangan  (financial industry)  melalui modifikasi dan efisiensi layanan jasa keuangan yaitu dikenal dengan istilah Financial Technology atau Fintech. Fintech jenis pinjam-miminjam uang berbasis teknologi atau peer to peer lending (P2P-lending) merupakan jenis Fintech yang tumbuh pesat di Indonesia, kelebihan pinjam meminjam uang melalui layanan P2P-lending lainnya adalah syarat yang sangat mudah dan proses yang cepat dibandingkan meminjam uang melalui Lembaga Bank. Namun kemudahan transaksi yang ditawarkan oleh layanan P2P- lending justru memperlemah posisi dari konsumen. Permasalahan Bagaimanakah Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Fintech. (Financial Technology) Yang Berkeadilan, Tujuan  untuk mengetahui bagaimanakah penerapan konsep utilitarianisme untuk mewujudkan perlindungan kosnumen fintech ( finansial technology yang berkeadilan . Kata kunci : utilitarianisme, perlindungan konsumen, berkeadilan Abstrak The role of the internet in information technology has been used to develop the financial industry through the modification and efficiency of financial services, known as Financial Technology or Fintech. Fintech borrows money based on technology or peer to peer lending (P2P-lending) is a fast-growing type of Fintech in Indonesia, the advantages of lending and borrowing via other P2P-lending services are very easy conditions and a fast process compared to borrowing money through Bank Institution. But the ease of transactions offered by P2P-lending services actually weakens the position of consumers. Problems How to Implement the Utilitarianism Concept to Realize Fintech Consumer Protection. (Financial Technology) that is just, the aim is to find out how the application of the concept of utilitarianism is to realize the protection of fintech consumers (equitable technology finance. Keywords: utilitarianism, consumer protection, justice 

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