{"id":"https://openalex.org/W2172257941","doi":null,"title":"An Analysis of European Online micro-lending Websites","display_name":"An Analysis of European Online micro-lending Websites","publication_year":2009,"publication_date":"2009-01-01","ids":{"openalex":"https://openalex.org/W2172257941","mag":"2172257941"},"language":"en","primary_location":{"id":"pmh:oai:RePEc:sol:wpaper:09-059","doi":null,"is_oa":false,"landing_page_url":"https://dipot.ulb.ac.be/dspace/bitstream/2013/53999/1/RePEc_sol_wpaper_09-059.pdf","pdf_url":"https://dipot.ulb.ac.be/dspace/bitstream/2013/53999/1/RePEc_sol_wpaper_09-059.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":["doaj"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/53999","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5015640288","display_name":"Arvind Ashta","orcid":"https://orcid.org/0000-0002-6160-5375","observed_orcids":["https://orcid.org/0000-0002-6160-5375"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Arvind Ashta","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-6160-5375","affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5075778931","display_name":"Djamchid Assadi","orcid":"https://orcid.org/0000-0002-4054-2133","observed_orcids":["https://orcid.org/0000-0002-4054-2133"]},"institutions":[{"id":"https://openalex.org/I132053463","display_name":"Universit\u00e9 Libre de Bruxelles","ror":"https://ror.org/01r9htc13","country_code":"BE","type":"education","lineage":["https://openalex.org/I132053463"]}],"countries":["BE"],"is_corresponding":false,"raw_author_name":"Djamchid Assadi","raw_affiliation_strings":["Universit\u00e9 libre de Bruxelles"],"raw_orcid":"https://orcid.org/0000-0002-4054-2133","affiliations":[{"raw_affiliation_string":"Universit\u00e9 libre de Bruxelles","institution_ids":["https://openalex.org/I132053463"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":33,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":"6","issue":"2","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.986299991607666,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.986299991607666,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.012799999676644802,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12392","display_name":"Sharing Economy and Platforms","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.8870000243186951},{"id":"https://openalex.org/keywords/intermediary-role","display_name":"intermediary role","score":0.5920000076293945},{"id":"https://openalex.org/keywords/trust-building","display_name":"trust building","score":0.6480000019073486},{"id":"https://openalex.org/keywords/kiva","display_name":"Kiva","score":0.5370000004768372},{"id":"https://openalex.org/keywords/zopa","display_name":"Zopa","score":0.7310000061988831},{"id":"https://openalex.org/keywords/microfinance-institutions","display_name":"microfinance institutions","score":0.7300000190734863},{"id":"https://openalex.org/keywords/web-2-0","display_name":"Web 2.0","score":0.777999997138977}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.43690332770347595},{"id":"https://openalex.org/C112698675","wikidata":"https://www.wikidata.org/wiki/Q37038","display_name":"Advertising","level":1,"score":0.34079259634017944}],"mesh":[],"locations_count":4,"locations":[{"id":"pmh:oai:RePEc:sol:wpaper:09-059","doi":null,"is_oa":false,"landing_page_url":"https://dipot.ulb.ac.be/dspace/bitstream/2013/53999/1/RePEc_sol_wpaper_09-059.pdf","pdf_url":"https://dipot.ulb.ac.be/dspace/bitstream/2013/53999/1/RePEc_sol_wpaper_09-059.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"pmh:oai:dipot.ulb.ac.be:2013/53999","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/53999","pdf_url":null,"source":{"id":"https://openalex.org/S4306401063","display_name":"D\u00e9p\u00f4t institutionnel de l'Universit\u00e9 libre de Bruxelles (Universit\u00e9 Libre de Bruxelles)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I132053463","host_organization_name":"Universit\u00e9 Libre de Bruxelles","host_organization_lineage":["https://openalex.org/I132053463"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Working papers CEB; 09-059.RS","raw_type":"info:eu-repo/semantics/workingPaper"},{"id":"pmh:oai:doaj.org/article:8f8cbee5a7e7447ebcb6edc9decb6735","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/8f8cbee5a7e7447ebcb6edc9decb6735","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Innovative Marketing, Vol 6, Iss 2 (2010)","raw_type":"article"},{"id":"mag:3122440041","doi":null,"is_oa":true,"landing_page_url":"https://dipot.ulb.ac.be/dspace/bitstream/2013/53999/1/RePEc_sol_wpaper_09-059.pdf","pdf_url":null,"source":{"id":"https://openalex.org/S4210208616","display_name":"Innovative Marketing","issn_l":"1814-2427","issn":["1814-2427","1816-6326"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["anvur-scientific","doaj","poland-20","russia-white-list-2"],"host_organization":"https://openalex.org/P4310321069","host_organization_name":"Business Perspectives","host_organization_lineage":["https://openalex.org/P4310321069"],"host_organization_lineage_names":["Business Perspectives"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":"Innovative Marketing","raw_type":null}],"best_oa_location":{"id":"pmh:oai:dipot.ulb.ac.be:2013/53999","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/53999","pdf_url":null,"source":{"id":"https://openalex.org/S4306401063","display_name":"D\u00e9p\u00f4t institutionnel de l'Universit\u00e9 libre de Bruxelles (Universit\u00e9 Libre de Bruxelles)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I132053463","host_organization_name":"Universit\u00e9 Libre de Bruxelles","host_organization_lineage":["https://openalex.org/I132053463"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Working papers CEB; 09-059.RS","raw_type":"info:eu-repo/semantics/workingPaper"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":19,"referenced_works":["https://openalex.org/W109192947","https://openalex.org/W1480582677","https://openalex.org/W1570922136","https://openalex.org/W1578670789","https://openalex.org/W1586724634","https://openalex.org/W1975733460","https://openalex.org/W2009348094","https://openalex.org/W2014614982","https://openalex.org/W2030483771","https://openalex.org/W2034810225","https://openalex.org/W2056700716","https://openalex.org/W2074857025","https://openalex.org/W2115402299","https://openalex.org/W2128487291","https://openalex.org/W2566856888","https://openalex.org/W2768557931","https://openalex.org/W3122093892","https://openalex.org/W3122097470","https://openalex.org/W3124965590"],"related_works":["https://openalex.org/W303045433","https://openalex.org/W2585752668","https://openalex.org/W2475525376","https://openalex.org/W7097582786","https://openalex.org/W1593625525","https://openalex.org/W2153825502","https://openalex.org/W2908784064","https://openalex.org/W4312781647","https://openalex.org/W7067833576","https://openalex.org/W2033780904"],"abstract_inverted_index":{"Purpose":[0],"of":[1,7,50,75,93,102,137,141],"the":[2,5,19,44,48,53,72,76,81,94,99,120,179,187],"paper:":[3],"With":[4],"development":[6],"web":[8,57],"2.0,":[9],"a":[10,110,202],"new":[11,252],"kind":[12],"on":[13,18,135],"lending":[14,25,34,225],"is":[15,105,119],"taking":[16],"place":[17],"internet,":[20],"termed":[21],"peer":[22,24,171,173],"to":[23,123,172,181,216,227,235,244,256],"or":[26,160,250],"social":[27,90],"lending.":[28],"In":[29],"Europe,":[30],"this":[31,88,258],"includes":[32],"commercial":[33],"websites":[35,78,83,104,138],"such":[36,196],"as":[37,197,199,201,232,234],"Zopa,":[38],"smava,":[39],"boober,":[40],"Kokos,":[41],"Monetto.":[42],"At":[43],"same":[45],"time,":[46],"following":[47],"lead":[49,213],"Kiva":[51],"in":[52,66,84,127,186,223,249],"US,":[54],"European":[55],"microcredit":[56,82,254],"platforms":[58,255],"are":[59,133,247],"coming":[60],"up":[61],"including":[62],"MyC4":[63],"and":[64,86,139,144,166,184,190,221,260],"Babyloan":[65],"Europe.":[67],"The":[68,115,130,175,210],"paper":[69,176],"examines":[70],"how":[71,87],"legal":[73],"design":[74],"online":[77,224,253],"differs":[79],"from":[80],"Europe":[85],"impacts":[89],"performance":[91],"issues":[92],"different":[95,188],"models.":[96],"Design/Methodology/Approach:":[97],"Since":[98],"population":[100],"size":[101],"these":[103],"rather":[106],"small,":[107],"we":[108],"use":[109],"comparative":[111],"case":[112,116,131],"study":[113,117],"approach.":[114],"approach":[118],"most":[121,157],"adapted":[122],"studying":[124],"small":[125],"samples":[126],"more":[128],"detail.":[129],"studies":[132],"based":[134],"exploring":[136],"review":[140],"academic":[142],"literature":[143],"press":[145],"reports.":[146],"Key":[147],"results:":[148],"We":[149],"find":[150],"that":[151],"although":[152],"web2.0":[153],"permits":[154],"platform":[155],"models,":[156],"sites":[158],"(commercial":[159],"micro-lending)":[161],"have":[162,167],"retained":[163],"intermediary":[164],"roles":[165],"not":[168],"permitted":[169],"direct":[170],"contact.":[174],"will":[177,205],"outline":[178],"advantages":[180],"both":[182],"borrowers":[183],"lenders":[185],"models":[189],"their":[191],"motivations.":[192],"Challenges":[193],"for":[194,218],"expansion,":[195],"trust-building":[198],"well":[200,233],"marketing":[203],"analysis":[204],"also":[206],"be":[207],"presented.":[208],"Impact:":[209],"findings":[211],"would":[212,241],"microfinance":[214],"institutions":[215],"lobby":[217],"specific":[219],"laws,":[220],"invest":[222],"solutions":[226],"radically":[228],"reduce":[229],"operating":[230,248],"costs":[231],"increase":[236],"outreach.":[237],"Value:":[238],"This":[239],"research":[240],"add":[242],"value":[243],"those":[245],"who":[246],"launching":[251],"understand":[257],"young":[259],"fast":[261],"changing":[262],"marketplace.":[263]},"counts_by_year":[{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":7},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":3},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":6},{"year":2014,"cited_by_count":5},{"year":2012,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2016-06-24T00:00:00"}
