Artículo
Success Factors in Peer-to-Business (P2B) Crowdlending: A Predictive Approach
Autor/es | Moreno Moreno, Antonio Manuel
Sanchís Pedregosa, Carlos Berenguer, Emma |
Departamento | Universidad de Sevilla. Departamento de Economía Financiera y Dirección de Operaciones |
Fecha de publicación | 2019 |
Fecha de depósito | 2020-04-03 |
Publicado en |
|
Resumen | 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 ... 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. |
Cita | Moreno Moreno, A.M., Sanchís Pedregosa, C. y Berenguer, E. (2019). Success Factors in Peer-to-Business (P2B) Crowdlending: A Predictive Approach. IEEE Access, 7, 148586-148593. |
Ficheros | Tamaño | Formato | Ver | Descripción |
---|---|---|---|---|
Success Factors in Peer-to-Business ... | 2.655Mb | [PDF] | Ver/ | |