Peer to peer financial marketplaces provide a platform for individual lenders and borrowers to interact and transact. These marketplaces disintermediate the traditional financial services business models. In this exploratory paper we study the operation and effectiveness of one such marketplace: Prosper.com. We analyze six months of lender, borrower and loan repayment data to answer preliminary...

Youth Revolving Fund (YRF) loan was established to help unemployed youths alleviate their economic and social difficulties. However, its repayment performance is not as expected. Thus, the objective of this study examine effect socio-economic factors on YRF in Oromia Regional State. 328 data collected from respondents result showed peer pressure, diversion, time maturity investment predominant ...

The indebtedness of tribal households in Andhra Pradesh was sharp contrast to the situation prevailing at all India level. Not only percentage indebted high but even amount dues were also much higher than corresponding figures. Much more alarming fact that nearly two-thirds these loans for unproductive purposes, too from non-institutional agencies a interest rates (20 per cent and above). Above...

Data processing can sometimes require complex logic to match and rank record associations across events. This paper presents an efficient solution to generating these complex associations using the DATA step and data hash objects. The solution applies to multiple business needs including subsequent purchases, repayment of loan advance, or hospital readmits. The logic demonstrates how to constru...

Masquerading as legitimate help are companies that target forty-four million borrowers owing over $1.6 trillion in student loan debt. “Relief” purport to borrowers struggling repay loans but, fact, inflict irreversible financial harm by charging borrowers unlawful fees. Often pretending be affiliated with the U.S. Department of Education (Education Department), relief falsely claim they can...

The article presents theoretical and applied aspects of modeling the financial flows' impact on diagnosis economic security level enterprise with main components security. functioning enterprise's flow management models diagnostics (the model structural functional simulation modeling) are evaluated. loan repayment influence a set criteria for assessing effectiveness flows considered.