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  • 1.
    Viliberg, Pontus
    et al.
    Södertörn University, School of Business Studies.
    Söderholm, Samuel
    Södertörn University, School of Business Studies.
    Person-till-person-utlåning som finansieringsform för små- och nyföretagare2012Independent thesis Advanced level (degree of Master (One Year)), 20 credits / 30 HE creditsStudent thesis
    Abstract [en]

    Purpose: The purpose of this study is to describe and analyze P2P lending, its formation and development and evaluate how it has worked for small businesses and start-ups.

    Problem statement: The study examines how person-to-person lending through the Internet has emerged. Furthermore, the study examines the development of the P2P platform Lending Club since its inception in 2007 until 2011. Finally, the study examines the characteristics of the borrowers at Lending Club who are applying for loans to small businesses and start-ups, as well as how they perform in terms of their ability to repay their loans.       

    Theoretical framework: The theoretical framework consists mainly of scientific articles regarding the financial gap, information asymmetries and credit rating. Furthermore, studies on social lending and P2P-lending are presented in a background chapter.

    Conclusions: The study concludes that P2P lending through the Internet has its origins in social lending and made ​​possible by foremost technological development of rating tools. The development of Lending Club has shifted from more of a social network to more of a financial intermediary with creditworthy borrowers and institutional investors. Members on Lending Club that borrow to small businesses and start-ups are characterized by having a higher credit rating compared to other borrowers, while they perform less well in terms of ability to repay.   

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