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Disinter finance that is mediated to peer financing and pay day loans


Disinter finance that is mediated to peer financing and pay day loans


Table of articles

2. Online peer to peer lending 2.1 Introduction into the Market therefore the Author’s Intention 2.2 the device of Prosper 2.3 information and results that are empirical Result’s Implications

3. Pay day loans 3.1 concept of Payday advances and exactly how the Industry works 3.2 Payday lenders: Heroes or Villains? 3.3 writeup on the Author’s Findings

Set of numbers Figure 1: Outstanding amount of worldwide peer to peer lending market Figure 2: Hierarchy of Friends Figure 3: likelihood of Funding Figure 4: Lender impacts on foreclosures after catastrophes Figure 5: effectation of payday financing on criminal activity after an emergency

1. Introduction

The online peer to peer lending market and the payday loan market in the following paper, I want to give an insight in two financial markets. Both are examples for disintermediated finance. Disintermediation means to withdraw funds from intermediary finance institutions, such as for example banking institutions and savings/loan associations, so that you can spend them straight. In other words, in disintermediated finance one gets rid of this intermediary or middleman.

This paper is arranged the following. In the beginning Chapter 2 can look in to the peer market of Consequently, i shall analyse a paper associated with the writers Lin, Prabhala, and Viswanathan (2013) called “Judging borrowers by the organization they keep: Friendship networks and information asymmetry in online peer-to-peer lending”. 1 In part 2.1 we will begin with an introduction towards the market while the author’s intention. (more…)

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