{"id":"https://openalex.org/W4287435858","doi":null,"title":"FinTech loans, self-employment, and financial performance","display_name":"FinTech loans, self-employment, and financial performance","publication_year":2021,"publication_date":"2021-01-01","ids":{"openalex":"https://openalex.org/W4287435858"},"language":"en","primary_location":{"id":"pmh:oai:RePEc:zbw:cfswop:667","doi":null,"is_oa":false,"landing_page_url":"https://www.econstor.eu/bitstream/10419/248402/1/1780522398.pdf","pdf_url":"https://www.econstor.eu/bitstream/10419/248402/1/1780522398.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":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://publikationen.ub.uni-frankfurt.de/files/62484/SSRN-id3973141.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5007094837","display_name":"Douglas J. Cumming","orcid":"https://orcid.org/0000-0003-4366-6112","observed_orcids":["https://orcid.org/0000-0003-4366-6112"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Cumming, Douglas J.","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5059285890","display_name":"Ahmed Sewaid","orcid":"https://orcid.org/0000-0002-9785-7494","observed_orcids":["https://orcid.org/0000-0002-9785-7494"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Sewaid, Ahmed","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"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":0.9951000213623047,"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":0.9951000213623047,"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":0.0026000000070780516,"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/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.0019000000320374966,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"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":0.996999979019165},{"id":"https://openalex.org/keywords/self-employment","display_name":"self-employment","score":0.9599999785423279},{"id":"https://openalex.org/keywords/financial-performance","display_name":"financial performance","score":0.6650000214576721},{"id":"https://openalex.org/keywords/income-effects","display_name":"income effects","score":0.5139999985694885},{"id":"https://openalex.org/keywords/access-to-credit","display_name":"access to credit","score":0.9399999976158142},{"id":"https://openalex.org/keywords/income-inequality","display_name":"income inequality","score":0.6669999957084656}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.613093376159668},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4740569293498993},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.41338813304901123}],"mesh":[],"locations_count":3,"locations":[{"id":"pmh:oai:RePEc:zbw:cfswop:667","doi":null,"is_oa":false,"landing_page_url":"https://www.econstor.eu/bitstream/10419/248402/1/1780522398.pdf","pdf_url":"https://www.econstor.eu/bitstream/10419/248402/1/1780522398.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:publikationen.ub.uni-frankfurt.de:62484","doi":null,"is_oa":true,"landing_page_url":"http://publikationen.ub.uni-frankfurt.de/frontdoor/index/index/docId/62484","pdf_url":"http://publikationen.ub.uni-frankfurt.de/files/62484/SSRN-id3973141.pdf","source":{"id":"https://openalex.org/S4306400432","display_name":"Publication Server of Goethe University Frankfurt am Main (Goethe University Frankfurt)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I114090438","host_organization_name":"Goethe University Frankfurt","host_organization_lineage":["https://openalex.org/I114090438"],"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":"workingpaper"},{"id":"pmh:oai:econstor.eu:10419/248402","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10419/248402","pdf_url":null,"source":{"id":"https://openalex.org/S4306401696","display_name":"Econstor (Econstor)","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":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"doc-type:workingPaper"}],"best_oa_location":{"id":"pmh:oai:publikationen.ub.uni-frankfurt.de:62484","doi":null,"is_oa":true,"landing_page_url":"http://publikationen.ub.uni-frankfurt.de/frontdoor/index/index/docId/62484","pdf_url":"http://publikationen.ub.uni-frankfurt.de/files/62484/SSRN-id3973141.pdf","source":{"id":"https://openalex.org/S4306400432","display_name":"Publication Server of Goethe University Frankfurt am Main (Goethe University Frankfurt)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I114090438","host_organization_name":"Goethe University Frankfurt","host_organization_lineage":["https://openalex.org/I114090438"],"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":"workingpaper"},"sustainable_development_goals":[{"score":1.0,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"},{"score":0.8928999900817871,"id":"https://metadata.un.org/sdg/1","display_name":"No poverty"},{"score":0.7578999996185303,"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4287435858.pdf","grobid_xml":"https://content.openalex.org/works/W4287435858.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4402336169","https://openalex.org/W7110659422","https://openalex.org/W3133532653","https://openalex.org/W7112614380","https://openalex.org/W7212662335","https://openalex.org/W3117640037","https://openalex.org/W3088509870","https://openalex.org/W1552162765","https://openalex.org/W3184858254","https://openalex.org/W7110801814"],"abstract_inverted_index":{"Leveraging":[0],"data":[1],"from":[2],"a":[3,61,123],"leading":[4],"FinTech":[5,29],"peer-to-peer":[6],"lending":[7],"platform":[8],"in":[9,96,107,116,142,150,166,175],"the":[10,26,47,66,97,108,143,151,167,176],"United":[11],"States,":[12],"allowing":[13],"us":[14],"to":[15,78,80,92,103,148,156,173],"capture":[16],"both":[17],"individuals'":[18],"successful":[19,124],"and":[20,35,101,119],"unsuccessful":[21,86],"loan":[22,53,63,87,125],"applications,":[23],"we":[24],"test":[25],"effect":[27],"of":[28,39,51,68],"loans":[30,45],"on":[31,46],"subsequent":[32],"employment":[33,70],"choice":[34],"future":[36],"financial":[37],"performance":[38],"serial":[40],"borrowers,":[41],"those":[42,95,106],"repeatedly":[43],"soliciting":[44],"platform.":[48],"An":[49],"analysis":[50],"198,984":[52],"requests":[54],"made":[55],"by":[56],"92,382":[57],"individuals":[58,73,141,149,165,174],"shows":[59],"that":[60],"failed":[62],"application":[64],"increases":[65,91],"probability":[67,90],"switching":[69],"status.":[71],"Self-employed":[72],"are":[74],"22%":[75],"more":[76],"likely":[77],"switch":[79],"becoming":[81],"an":[82,85,114],"employee":[83],"following":[84,122],"application.":[88,126],"This":[89],"31%":[93],"for":[94,105,139,163],"lowest":[98,144,168],"income":[99,110,118,133,145,153],"decile":[100,146,171],"decreases":[102],"13%":[104],"highest":[109,152,178],"decile.":[111,154,181],"We":[112],"document":[113],"improvement":[115],"monthly":[117],"credit":[120,157,169,179],"access":[121,170,180],"However,":[127],"this":[128],"enhancement":[129,134,158],"is":[130,135,159],"asymmetric.":[131],"Monthly":[132],"3.11":[136],"times":[137,161],"larger":[138,162],"self-employed":[140,164],"relative":[147,172],"Access":[155],"1.85":[160],"second":[177]},"counts_by_year":[],"updated_date":"2026-09-26T08:19:03.415552","created_date":"2022-07-25T00:00:00"}