| Autor: |
Antonio-M. Moreno-Moreno, Carlos Sanchis-Pedregosa, Emma Berenguer |
| Jazyk: |
angličtina |
| Rok vydání: |
2019 |
| Předmět: |
|
| Zdroj: |
IEEE Access, Vol 7, Pp 148586-148593 (2019) |
| Druh dokumentu: |
article |
| ISSN: |
2169-3536 |
| DOI: |
10.1109/ACCESS.2019.2946858 |
| Popis: |
Peer-to-Business (P2B) crowdlending is gaining importance among companies seeking funding. However, not all projects get the same take-up by the crowd. Thus, this study aims to determine the key factors that drive non-professional investors to choose a given loan in an online environment. To this purpose, we have analyzed 243 crowdlending campaigns on October.eu platform. We have obtained a series of variables from the analyzed loans using logistic regression. Results indicate that loan amount, loan term and overall credit rating are the key predictors of non-professional lender P2B crowdlending success. These findings may be useful for predicting whether the crowd will subscribe to a loan request or not. This information would help businesses to modify specific loan characteristics (if possible) to make their loans more attractive or could even lead companies to consider a different financial option. It could also help platforms select and adapt project parameters to secure their success. |
| Databáze: |
Directory of Open Access Journals |
| Externí odkaz: |
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