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Several years ago, there were crises on mortgage that resulted in a serious thread on financial systems in the United States of America and other developed and developing countries. However, some scholars are of the view that the pro-cyclical nature of the bank led to this serious incident. In...
Persistent link: https://www.econbiz.de/10011985709
This research study aims to investigate the potential inner factors of the lending rate in the commercial banking sector of Pakistan. For this purpose, seven bank-specific explanatory variables (capital adequacy, management efficiency, liquidity, asset quality, investment to asset, loan to asset...
Persistent link: https://www.econbiz.de/10012011883
The paper investigates the role of network centrality in predicting borrowers' and lenders' behavior in peer-to-peer (P2P) lending. The empirical analysis of data from Renrendai, a leading lending platform in the People's Republic of China, reveals that the lenders who are at the center of a...
Persistent link: https://www.econbiz.de/10012609975
I derive two innovative metrics, capturing the demand and the excess demand for prosocial P2P loans in the US. The measures are based on a data set comprising prosocial P2P loan applications obtained from the US P2P lending platform Kiva for the period of November 2011 to December 2022....
Persistent link: https://www.econbiz.de/10014556394
The purpose of this study is twofold: First, we examine the capital adjustment process using a partial adjustment framework and second, we test whether capitalization impacts the credit growth of microfinance institutions (MFIs) through the deviation (i.e. the divergence between the actual...
Persistent link: https://www.econbiz.de/10015074307
Developments in information technology are fundamentally changing many traditional business models. Progress in the IT area is bringing about one change in particular: it is reducing search costs and allowing buyers and sellers of products and services to find each other directly on web-based...
Persistent link: https://www.econbiz.de/10010527492
Over the past years crowdfunding emerged as an alternative funding channel for entrepreneurs. In contrast to … traditional financiers (banks, venture capital firms or angel investors), crowdfunding allows individuals to fund entrepreneurs … directly even with small amounts. We received individual-level data from Startnext, the biggest crowdfunding platform in …
Persistent link: https://www.econbiz.de/10010500162
Vorteilhaftigkeit eines einzelnen Projektes nicht erkannt wird. Hiernach wird das Modell um ein Vorverkaufs- Crowdfunding erweitert und … Projekte identifiziert werden können. Die Crowdfunding-Vorverkäufe ähneln dabei einer Stichprobe und erkennen die …
Persistent link: https://www.econbiz.de/10011279461
Beitrag betrachtet in einem Modell, unter welchen Umständen Konsumenten an einem Vorverkaufs-Crowdfunding teilnehmen, und … es durch Crowdfunding-Vorverkäufe zu einer Risikoteilung zwischen dem Unternehmensgründer und den Konsumenten kommen kann …
Persistent link: https://www.econbiz.de/10011279462
Crowdfunding. Doch Ertrag und Risiko sind auch im Crowdfunding sowie bei allen anderen Finanzgeschäften strikt positiv miteinander … korreliert. Das heißt, der Investor kann durch Crowdfunding einen höheren Ertrag realisieren, geht dabei allerdings auch ein …. Werden die spezifischen Risiken des Kleinanlegers im Crowdfunding mit diesem Gesetz erfasst oder bleibt der Konsumentenschutz …
Persistent link: https://www.econbiz.de/10011282573