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  • 1.
    Razaghi, Atefeh
    et al.
    Södertörn University, School of Social Sciences.
    Nordström, Anne-Marie
    Södertörn University, School of Social Sciences.
    Snabblånebranschens uppkomst och utveckling: En studie av finansiellt gap och entreprenöriella möjligheter2015Independent thesis Advanced level (degree of Master (One Year)), 20 credits / 30 HE creditsStudent thesis
    Abstract [en]

    Purposes: The purpose of the study is partly to account for the main reason that has given rise to the emergence of instant loans industry. Secondly to produce significant factors have led the sector to remain on the instant lending market.

     Methods: With respect to the study's two issues, we have used both a qualitative approach to describe accurately the reason for the emergence of instant lending industry through the interpretation of some interview questions. We have partly applied a qualitative approach to understand the important factors that constitute the fact that the sector manage to remain in the credit market.

    Theoretical framework: The study's theoretical framework is made up of scientific articles and books that dealt with media information’s asymmetric impact, financial gaps and entrepreneur opportunities. Furthermore, the relevant material from the Financial Supervisory Authority, The Swedish Enforcement Authority and Swedish Consumer Agency has been used in order to obtain a qualitative survey of the empirical study.  

    Empirical studies: Our empirical study consists of eight out of the industry's forty-four instant loan companies that belong to the trade organization S.K.E.F.

    Conclusion: As a result of asymmetric information between the parties refrain large and traditional credit institutions from providing loans to borrowers by low of credibility. A market characterized by imbalance between supply of capital and demand for capital lead to an emergence of a financial gap within the market. Entrepreneurs find business opportunities by creating new services demanded by the market. Thus fills the instant loans companies the financial gap on the credit market that is not filled by other credit institutions. The result of this study concludes that firms obtain low profits. But if companies counteracts credit risk this will likely lead to a higher profit by making regular and thorough credit checks on the borrower.    

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