Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 19 of 19 for “"Peer-to-peer lending"”.
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Essays on Peer to Peer Lending
The Peer-to-Peer (P2P) lending model has become increasingly popular in China in recent years. In 2012, there are only 298 P2P platforms operating in China and loan volume is 22.9 billion RMB while in the first half of 2018, there are 1881 P2P platforms and trading volume has reached 7.33 trillion …
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Essays on peer-to-peer lending
… dissertation consists of three chapters on the peer-to-peer (P2P) lending market. All three chapters are based on data from the same U.S.-based P2P lending online platform, LendingClub. In Chapter 1, I study the funding rate of loans in the primary market. I use a large dataset of LendingClub's …
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Improved Peer-to-Peer Lending Credit Scoring Mechanism using Machine Learning Techniques
Peer-to-Peer(P2P) financing is a fast developing modern financial exchange network, which bypasses conventional intermediaries by linking lenders and borrowers directly. However, the online P2P lending platforms are faced with a problem of information asymmetry between lenders and borrowers. …
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The new form of financial intermediation: key issues of peer-to-peer lending
… capital allocation. One of this new form is peer-to-peer lending (P2P) or marketplace lending, where the traditional intermediary role is left out of the process. The main idea of the business model is that the online platforms offer more beneficial conditions for borrowers compared to a bank …
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Regulating Fintech Based Peer-To-Peer Lending: A New Approach to SME Financing
Peer-to-peer (P2P) lending enables borrowers to obtain loans directly from lenders, without the need of a financial institution as an intermediary. The rising use of financial technology has increased the global adoption of P2P lending as an alternative to traditional unsecured lending. In …
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The blockchain revolution : new opportunities in equity markets
… paved the way for the emergence of innovations to reshape existing industries and the way we think about traditional services. Even one of the most traditional industries, the financial sector, is being actively disrupted through fintech and the sharing economy. Innovations such as mobile …
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Credit rationing: A growth obstacle to informal SMEs in the Western Cape City Bowl of Cape Town
… which operate in the Western Cape, Cape Town City bowl area. The objectives of the study were to examine the impact that credit rationing has on the growth of informal survivalist and non-survivalist Small Medium Enterprises (SMEs). The research employed a simple random probability …
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Investigating the root causes of the challenges with the Lesotho national referral hospital public-private partnership project
… which operate in the Western Cape, Cape Town City bowl area. The objectives of the study were to examine the impact that credit rationing has on the growth of informal survivalist and non-survivalist Small Medium Enterprises (SMEs). The research employed a simple random probability …
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Credit rationing: A growth obstacle to informal SMEs in the Western Cape city bowl of Cape Town
… which operate in the Western Cape, Cape Town City bowl area. The objectives of the study were to examine the impact that credit rationing has on the growth of informal survivalist and non-survivalist Small Medium Enterprises (SMEs). The research employed a simple random probability …
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Leveraging Machine Learning and Causal Inference for Loan Default Prediction
… techniques combined with causal inference to predict loan defaults in peer-to-peer lending. Accurately forecasting loan defaults is crucial for mitigating financial risk and optimizing lending strategies. This analysis is based on multiple datasets of loan applications spanning over a …
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Essays on Retail Lending
… dissertation consists of three essays on retail lending. In the first essay, using data from Lending Club and Prosper, the two largest peer-to-peer lenders in the U.S., I provide evidence of adverse selection in the online personal lending market. Borrowers who were rejected by a competitor are …
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The Impact of Government Policies in Middle Eastern Countries on Digital Platform Startups
In the last decade, the financial sector has changed significantly. The introduction of new technologies and mobile applications transformed the entire industry, leading to the rise of financial technology (fintech startups). Fintech startups offer a wide range of products/services, such as digital …
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Three Essays on Sustainable Finance and Behavioral Insights: Exploring Sustainability, Inclusion, and Decision-Making Dynamics
… that later-born CEOs are more inclined to engage in risk-taking through increased capital expenditure, R&D, and acquisition activities. The research controls for variables such as CEO tenure, political connections, and firm size, revealing robust empirical evidence of how sibling …
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New Perspectives about Financial Intermediation: Disruption by Senior Managers and Financial Technologies
… styles. Using a connectedness sampling method to differentiate patterns of business policy styles and systemic risk-taking among managers, I find that credit risk-taking is more sensitive to the bank's systemic risk if the manager exhibits a preference for systemic risk. Asset-innovating …
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The Role of Trust in the Divergent Development of Alternative Lending Channels in the UK and Germany
… This dissertation uses two alternative, non-bank lending channels in the period following the 2008 financial crisis as an empirical case study to analyse the influence of trust on the development of small business lending practices in the UK and Germany. A nested mixed methods design has been …
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Data-driven Investment Decisions in P2P Lending: Strategies of Integrating Credit Scoring and Profit Scoring
… and discuss several loan evaluation methods to guide the investment decisions for peer-to-peer (P2P) lending. In evaluating loans, credit scoring and profit scoring are the two widely utilized approaches. Credit scoring aims at minimizing the risk while profit scoring aims at maximizing the …