Online peer-to-peer (P2P) lending websites, often referred to as “Shadow Lenders”, have gained significant traction since the credit crunch resulting from the 2008 financial crisis. The purpose of these rapidly-growing websites is to facilitate loans of under $35,000 between borrowers and investors. The result is a transparent loan platform where individual investors can determine a borrower’s credit worthiness and partially or fully fund a loan at an attractive interest rate.
This slide deck offers background on the P2P lending industry and takes a closer look at the borrower experience by profiling two leading firms in the space – Prosper and Lending Club. Five key takeaways and tips for P2P lenders are also highlighted.
Bryan Zhang / Insights from the latest Peer-to-Peer Lending ResearchJames by CrowdProcess
Bryan Zhang: Insights from the Latest P2P Lending Research
Keynote address by Bryan Zhang, of University of Cambridge, at LendIt Europe 2014. The title of this presentation is Insights from the Latest P2P Lending Research.
P2P Lending for Institutional Investors and Wealth Managers: An OverviewPMIFunds
P2P lending (or peer-to-peer lending) is a fast growing space in which any individual or organization can lend money directly to another individual through an online p2p lending platform such as Prosper or Lending Club. The transparency, ease-of-use, and ability to quickly make a loan request or fund a loan at competitive interest rates make P2P lending attractive for both borrowers and lenders
Are you baffled by jargon when it comes to investing? At Huddle we want to educate everyone about peer to peer lending, and help you get to grips with the concepts behind crowdfunding so that you can make more informed choices about money matters. Follow our blog at www.huddlecapital.com for more educational content.
Wharton FinTech Club hosted a seminar on P2P (peer-to-peer) lending in October '14. Take a look at our key insights and analyses on this fast-growing industry!
Bryan Zhang / Insights from the latest Peer-to-Peer Lending ResearchJames by CrowdProcess
Bryan Zhang: Insights from the Latest P2P Lending Research
Keynote address by Bryan Zhang, of University of Cambridge, at LendIt Europe 2014. The title of this presentation is Insights from the Latest P2P Lending Research.
P2P Lending for Institutional Investors and Wealth Managers: An OverviewPMIFunds
P2P lending (or peer-to-peer lending) is a fast growing space in which any individual or organization can lend money directly to another individual through an online p2p lending platform such as Prosper or Lending Club. The transparency, ease-of-use, and ability to quickly make a loan request or fund a loan at competitive interest rates make P2P lending attractive for both borrowers and lenders
Are you baffled by jargon when it comes to investing? At Huddle we want to educate everyone about peer to peer lending, and help you get to grips with the concepts behind crowdfunding so that you can make more informed choices about money matters. Follow our blog at www.huddlecapital.com for more educational content.
Wharton FinTech Club hosted a seminar on P2P (peer-to-peer) lending in October '14. Take a look at our key insights and analyses on this fast-growing industry!
Peer to peer lending will work the whys and howsdhirencash
The presentation gives 3 strong justifications for peer to peer lending to succeed in India. It states that this concept will really help in the growth of the economy while providing an alternate source of credit
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
P2P Investment Returns on Fully Managed AccountsSummer Tucker
P2P lending enables individual investors to access the new asset class of consumer credit by facilitating loans to borrowers through online marketplaces like Lending Club and Prosper. Here is the historical performance.
P2P lending market has a lot of potential for both its lenders and borrowers to prosper in Marketplace run online lending services that can quickly and effectively grow their money.
Peer-to-Peer lending: What is Lending Club?David Peat
A presentation given to the Trade and Investment Society on Lending Club, a peer-to-peer lending start-up and currently the largest P2P lending company on the planet.
Lending Club Review: What Investors and Borrowers Need to KnowJonDyer9
Lending Club is the leader in peer to peer lending. They recently had a successful IPO resulting in a total valuation of $9 billion. In this review of Lending Club we discuss their history, how it works and potential advantages over traditional banks. We also analyze why investors should consider Lending Club as well as the potential savings that borrowers and expect.
LendingStar pitch deck is about p2p lending online lending marketplace helping small business and entrepreneurs to get financing via internet from private investors for lower price. Investors get higher return from investment in real projects and real people.
This short guide provides you with an introduction to how you can earn attractive returns of between 5-12% pa* by investing in Peer-to-Peer Loans secured against UK income producing Commercial Property.
*After fees, but before bad debts & taxes. Capital at risk
Peer to peer lending will work the whys and howsdhirencash
The presentation gives 3 strong justifications for peer to peer lending to succeed in India. It states that this concept will really help in the growth of the economy while providing an alternate source of credit
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
P2P Investment Returns on Fully Managed AccountsSummer Tucker
P2P lending enables individual investors to access the new asset class of consumer credit by facilitating loans to borrowers through online marketplaces like Lending Club and Prosper. Here is the historical performance.
P2P lending market has a lot of potential for both its lenders and borrowers to prosper in Marketplace run online lending services that can quickly and effectively grow their money.
Peer-to-Peer lending: What is Lending Club?David Peat
A presentation given to the Trade and Investment Society on Lending Club, a peer-to-peer lending start-up and currently the largest P2P lending company on the planet.
Lending Club Review: What Investors and Borrowers Need to KnowJonDyer9
Lending Club is the leader in peer to peer lending. They recently had a successful IPO resulting in a total valuation of $9 billion. In this review of Lending Club we discuss their history, how it works and potential advantages over traditional banks. We also analyze why investors should consider Lending Club as well as the potential savings that borrowers and expect.
LendingStar pitch deck is about p2p lending online lending marketplace helping small business and entrepreneurs to get financing via internet from private investors for lower price. Investors get higher return from investment in real projects and real people.
This short guide provides you with an introduction to how you can earn attractive returns of between 5-12% pa* by investing in Peer-to-Peer Loans secured against UK income producing Commercial Property.
*After fees, but before bad debts & taxes. Capital at risk
SOFIS - Peer to Peer Lending Platform in IndonesiaAndy Wijaya
SOFIS is a leading peer to peer platform in Indonesia for personal and business loans. We connect borrowers and lenders in our secured, innovative and user friendly online platform.
SOFIS adalah platform marketplace untuk peer to peer lending bagi pinjaman usaha dan individu, dimana kami menghubungkan pendana dan peminjam di platform kami yang mudah digunakan, lengkap dan aman.
Connect with us @ http://sofis.id
What are influencers, how can they be used, and when should you refrain from using influencers? That was the subject for Joanne Jacobs' much appreciated presentation at Mynewsday in Sweden, October 12-14th 2011. You can check out a video of Joanne's presentation on this link: http://www.mynewsdesk.com/se/pressroom/mynewsday/video/view/joanne-jacob-interest-is-a-skill-solving-problems-with-influencers-6784
How to do LendingClub's SWOT Analysis in just 2 minutes? Strengths, Weaknesse...SWOT & PESTLE.com
Check out our latest publication on LendingClub, which is an American peer-to-peer lending company. It has it's headquarteres in San Francisco, California.
Check out the SWOT and PESTLE analysis on LendingClub- https://www.swotandpestle.com/lending-club/
The analysis covers the business strategy of LendingClub.
We appreciate Akshay Mohan's contribution towards this research report.
Follow us @swotandpestle to know more and visit our website - https://www.swotandpestle.com/
NEED HELP WITH YOUR RESEARCH?
Apart from SWOT and PESTLE analysis we also do Value chain analysis, Porter's five forces, BCG Analysis, Segment-Target and Positioning Analysis and other models and analyses to suit customised needs. Place your inquiry here
https://www.swotandpestle.com/solutions/
#LendingClub #SWOTAnalysisLendingClub #PESTLEAnalysisLendingClub #MarketResearchLendingClub #CustomisedResearchLendingClub #StrategyLendingClub #BusinessCasestudyLendingClub #BusinessStrategyLendingClub
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ExtraFunds is a proven servicer in the short-term online lending marketplace. ExtraFunds is currently seeking to expand its operations by raising capital via Crowdfunder. For more details about the offering, visit www.crowdfunder.com/extrafunds.
Peer to peer lending accounts, managed for clients according to their individual needs. Professional investment management from a team of dedicated credit specialists.
Case View with Rajat Gandhi - P2P Lending in India: Delivering Disruptive Inn...ET Cases
Case View with Rajat Gandhi, Founder & CEO - FAIRCENT
Faircent is the India’s largest P2P lending marketplace for borrowers and lenders to connect directly through its unique platform, which allows Auction and Reverse Auction Indexation. Faircent’s dynamic algorithms ensure that the right fit is done
peer to peer Lending scope in India.
P2P Lending in India is growing at a faster rate nowadays. Under
these borrowers get the advantage of getting funds at
comparatively lower rates while the lenders get a better return on
their investment in comparison to other conventional lending
methods.
Peer to Peer lending (P2P lending) is one of the methods of obtaining finances
for your business. P2P functions as an online platform offering ease of access,
Basics of Peer to Peer Lending | How Peer-to-Peer Lending WorksRhazes Ghaisan
Dive into the world of peer-to-peer lending platforms, exploring key aspects from investing strategies to understanding how peer-to-peer lending works. Whether you're venturing into a peer-to-peer lending business or seeking passive income, this guide provides valuable insights.
You can check the full video here: https://youtu.be/VvjWby1oq1Q
For more information visit our website www.riverstonetraining.com.sg
email us on info@riverstonetraining.com.sg
Socials:
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Join us on this educational journey at Riverstone Training Academy. Watch now to harness the potential of peer-to-peer lending for financial growth.
Credit Reports & Scoring is designed to help individuals understand their role and responsibilities when viewing credit reports. It will prepare Mortgage Loan Originators with the required knowledge in order to successfully analyze a borrower's credit report. You will obtain a clear understanding of the types of credit reports and how to access these reports. For more info: www.nafcu.org/genworth
Brian Zwerner's Kensington Blake Capital entity begins investing with ProsperBrian Zwerner
Brian Zwerner, Managing Principal of Kensington Blake Capital, announces that the firm has begun an investment program on the Peer-to-Peer lending site of Prosper. Prosper offers consumer loans primarily used to refinance and consolidate credit card debt. Investors such as Brian Zwerner are able to view 20+ individual loan characteristics when selecting the loans to invest in.
In the economic environment in which we currently operate, wonderful opportunities exist for investors with cash, and more than ever we see private lenders being able to take advantage of this situation.
The 13
th annual Annuity Monitor Awards Report highlights the best digital annuity tools and features offered
by firms in six key areas: Retirement Education Resources, Retirement Saving Calculators, Account Owner
Document Centers, Account Owner Self Service Capabilities, Advisor Search and Book of Business.
Announcing the Gold Medal Winners of the Advisor Monitor AwardsCorporate Insight
The 18th annual Asset Management Monitor Advisor Awards Report offers a broad benchmarking of advisor websites across five key categories: Fund Profiles, Homepages, Commentary and Thought Leadership, Retirement Tools, and Literature Centers. We provide best in class examples for each of the
topics covered and explain why we consider these offerings to be industry leaders.
The 18th annual Asset Management Monitor – Investor Awards Report offers a broad benchmarking of investor websites across five key categories: Public Homepages, Secure Site Homepages, Fund Profile Pages, Help Center and Virtual Assistance, and Retirement Planning Calculators.
This quarter, we are proud to present our first Digital Advice Awards Report, detailing the best features of
robo advisor offerings and functionalities across seven key areas. In our analysis, we review the following
offerings and capabilities for the 16 firms in the Digital Advice Monitor coverage group: Product Offering;
Investor Questionnaire; Account Information; Goal Progress Tracking; Holistic Portfolio Analysis; Fund &
Account Transfers; and Mobile Capabilities. Each category includes a distinct set of attributes and criteria
based on our proprietary Digital Advice Audit that we use to assess and rank firms.
Property and Casualty Insurance Monitor Awards PreviewCorporate Insight
The eighth annual P&C Insurance Monitor Awards Report highlights the best digital capabilities offered by insurers in five key areas: Public Site Homepages, Policyholder Site Homepages, Bill Pay, Homeowners Quote Tools and Mobile App Roadside Assistance. We provide best-in-class examples for each of the topics covered and explain why we consider these offerings to be industry leaders.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s
Annuity Monitor and Life Insurance Monitor research services. These include new releases from Allianz, Fidelity, Lincoln and Prudential. We provide a rundown of all new products released in the second quarter of 2019 and highlight their key features.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. These include new releases from Lincoln Financial, Nationwide and Prudential. We provide a rundown of all new products released in the first quarter of 2019 and highlight their key features.
Annuity and Life Insurance Product Update Q3 & Q4 2018Corporate Insight
This slide deck examines product releases from annuity carriers and life insurers covered in Corporate Insight's Annuity Monitor and Life Insurance Monitor research services. We provide a rundown of new products introduced on coverage group firms' websites in the second half of 2018 and highlight their key features.
The mobile channel has become a strategic priority for financial services firms looking to attract and retain younger clients. Nearly all large and mid-sized financial intuitions allocate sizeable budgets devoted to improving their mobile properties, focusing on mobile app enhancements. In 2018, Corporate Insight’s Mobile Monitor service saw banks, card providers, brokerages and asset management firms update their app capabilities at a rapid pace.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2018. We highlight basic fee information, rewards criteria and specific standout features unique to each card product offering.
Annuity and Life Insurance Product Update - Q2 2018Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2018 and highlight their key features.
Corporate Insight is proud to unveil our 15th annual Asset Management Monitor – Advisor Awards, offering a broad benchmarking of the advisor websites across six key categories: Advisor Homepages, Commentary & Thought Leadership, Literature Order Systems, Multimedia, Investor Education and New Tools.
As in past years, we assign the gold medal to firms that present exceptional offerings within given categories. We award a silver medal for firms that offer similar value but lack some of the outstanding attributes and functions of the best offerings. We give the bronze medal to firms that offer a unique or noteworthy version of a feature but do not meet our highest standards for a given category. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to present our sixth annual Property and Casualty Insurance Monitor Awards, in which we highlight the top features on websites and mobile apps among our coverage group. This year, we benchmark industry leaders across six critical, high-level categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
We reserve the gold medal for site or app features that offer an exceptionally valuable service in an efficient, logical design. We present the silver medal for features of similar value with a few small drawbacks. Finally, we award a bronze medal for those features that are admittedly imperfect but still offer clients a noteworthy service. In this slide deck, we highlight the gold medal winners across all categories.
With 2017 coming to a close, we present the second annual Healthcare Monitor Awards, offering an analysis of the state of the health insurance industry in terms of the best digital resources available to members. This year we benchmark industry leaders across six critical categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
The gold medal is reserved for capabilities that offer an exceptionally valuable service to members in a user-friendly interface. The silver medal recognizes resources that offer strong functionalities while suffering from a few small flaws. Finally, the bronze medal goes to resources that, though imperfect, offer members an excellent or uniquely valuable service. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to introduce the results of our sixth annual Life Insurance Monitor Awards. We benchmark the life insurance industry across six critical categories in which we award gold, silver and bronze medals.
As in past years, the gold medal is reserved for exceptionally valuable services. We award the silver medal for features with similar value that lack some of the outstanding attributes and functions of the best offerings. The bronze medal recognizes firms with a strong or unique service that do not meet the highest standards in the category. In this slide deck, we highlight the gold medal winners across all categories. These medals reveal where the insurance industry is succeeding in the development of digital features.
Our analysis focuses only on specific attributes and does not attempt to rate the overall quality of the sites or apps that we review. Excellence in select areas may earn firms some distinction in this report, but readers should keep in mind that medals are awarded for highly focused, individual categories and are not intended as general endorsements.
Annuity and Life Insurance Product Update - Q4 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. Inside, we provide a rundown of new products introduced on coverage group firms’ websites in the fourth quarter of 2017 and highlight their key features.
Corporate Insight is pleased to introduce the results of our 11th annual Annuity Monitor Awards. We benchmark the annuity industry across six critical categories, awarding gold, silver and bronze medals in each based on how firms meet our criteria.
As in past years, the gold medal is reserved for exceptionally valuable services. The silver medal rewards features with similar value that lack some of the outstanding attributes and functions of the best offerings. The bronze medal recognizes firms with a strong or unique service that do not meet the highest standards in the respective category.
Our analysis focuses only on specific attributes and does not attempt to rate the overall quality of the sites or apps that we review. Excellence in select areas may earn firms some distinction in this report, but readers should keep in mind that medals are awarded for highly focused, individual categories and are not intended as general endorsements.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2017. We highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
Annuity and Life Insurance Product Update - Q3 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of new products introduced on coverage group firms’ websites in the third quarter of 2017 and highlight their key features.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group in the first half of 2017. Inside, we highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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Nike Supply Chain
Globalization of Nike
Nike Manufacturing Process
Rubber Materials Nike
Ethylene Vinyl Acetate Nike
Genuine Leather Nike
Synthetic Leather Nike
Cotton in Nike Apparel
Nike Shops Worldwide
Nike Manufacturing Countries
Cold Cement Assembly Nike
3D Printing Nike Shoes
Nike Product Development
Nike Marketing Strategies
Nike Customer Feedback
Nike Distribution Centers
Automation in Nike Manufacturing
Nike Consumer Direct Acceleration
Nike Logistics and Transport
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Peer-to-Peer Lending: Examining the Industry and the Borrower Experience
1. COPYRIGHT 2013 CORPORATE INSIGHT, INC.
PEER-TO-PEER LENDING
EXAMINING THE INDUSTRY AND THE BORROWER EXPERIENCE
AUTHOR: JOHN GREENOUGH
PUBLISHED: OCTOBER 2013
2. TABLE OF CONTENTS
2
Introduction to P2P Lending
P2P Lender Profiles
o Prosper
o Lending Club
Prosper vs. Lending Club
Five Key Takeaways
Corporate Insight Thought Leadership
About Corporate Insight
About the Author
4. 4
INTRODUCTION P2P LENDING INDUSTRY OVERVIEW
Online peer-to-peer (P2P) lending websites, often
referred to as “Shadow Lenders”, have gained
significant traction since the credit crunch resulting
from the 2008 financial crisis. The purpose of these
rapidly-growing websites is to facilitate loans of
under $35,000 between borrowers and investors.
The result is a transparent loan platform where
individual investors can determine a borrower’s
credit worthiness and partially or fully fund a loan at
an attractive interest rate.
Investors and borrowers alike have found significant
value in these online platforms, as they allow them
to bypass banks when conducting business. Top P2P
lending platforms have been valued at over $1
billion and continue to grow.* Collectively, the top
two firms originated $871 million in loans last year.
Let’s take a closer look at the borrower experience,
by examining the enrollment and loan processes.
Source: Dugan, Ianthe. "Consumers Find Investors Eager to Make 'Peer-to-Peer' Loans - WSJ.com." The Wall Street Journal - Breaking
News, Business, Financial and Economic News, World News & Video - Wall Street Journal - Wsj.com. N.p., n.d. Web. 6 Aug. 2013.
<http://online.wsj.com/article/SB100014241278873237408045786017737
5. BORROWER ENROLLMENT PROCESS
Borrower signs up for the service by providing basic
information
P2P lending platform runs credit check to ensure borrower
meets basic borrowing requirements
Borrower is granted access to create a loan profile on P2P
website
Website verifies borrower’s identity by requesting the
borrower to mail copies of Social Security card, W-2 form,
and other forms of identification
5
INTRODUCTION
The borrower enrollment experience on a P2P lending site is
straightforward but firms perform their due diligence:
6. BORROWER LOAN PROCESS
6
INTRODUCTION
Borrower’s loan profile is published on the website for
investors to crowdfund, often in small increments
Once fully funded, a third party bank issues the loan
to the borrower and creates sliced securities for each
investor to collect returns from the borrower
Borrower makes payments back to P2P lending
platform, which re-issues funds to security holders
Once enrolled, borrowers may publish a loan to the firms’ online platforms:
8. PROSPER COMPANY PROFILE AND KEY STATISTICS
Prosper:
Founded in 2006 as First P2P Lending Platform
$ Amount Funded to Date $500,000,000*
# of Members 1.9 million*
APR** 6.73%-35.36%
Average ROI 9.09%
Loan Amount Minimum $2,000
Loan Amount Maximum $35,000
Loan Term 3-5 Years
Average Default Rate 5.8%
8
PROSPER
*As of September 2013
**APR is determined by Prosper based on credit worthiness. Please see a full list of APR’s based Prosper
Rating and average default rates of each rating on next slide.
Prosper Default Rates Based on
Prosper Rating**
9. RATES AND FEES
9
PROSPER
Borrower Rate and APR Based on Prosper Rating
Prosper assigns
applicants an APR
based on credit
worthiness and
informs them of their
Prosper Rating.
A closing fee for the
loan is determined by
the individual’s
Prosper Rating.
The firm charges
lenders a 1% annual
loan servicing fee.
10. ENROLLMENT
Prosper’s enrollment process is similar to applying for a credit card online:
o Applicant initially enters: amount of the loan, how they will use the loan and their
current credit quality.
o Application requires basic personal information: name, date of birth, mailing
address, employment information, etc.
o Prosper runs a credit check and instantly approves or rejects applicants.
10
PROSPER
Step 1 of Loan Application Step 2 of Loan Application
11. LOAN PROFILES
11
PROSPER
Provides detailed
information about
borrowers credit
history and current
employment
Description of loan
shows personal
statement of what the
loan will be used for
and why borrower
considers themselves
to be a good
candidate
Loan Profile as Posted on Prosper Loan Board
If loan is 70% funded,
borrower can choose
to partially fund the
loan at the end of the
listing period
The borrower fills out a loan profile which is posted to a loan board for investors to
examine and potentially fund:
Highlights of the main
features and terms of
the loan
States primary
borrower information;
Purpose of Loan, Rate,
Monthly Payment
12. ONLINE TOOLS
The Prosper Borrowing page allows users to view/edit their current loan listing,
make a payment, complete the Prosper verification process to receive the loan,
and create a new loan listing.
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PROSPER
Borrower Rate and APR Based on Prosper Rating
13. LENDING CLUB COMPANY PROFILE
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LENDINGCLUB
Lending Club
Founded in 2007
$ Amount Funded to Date $2,595,182,275
APR* 6.03%-28.69%
Average ROI 5.57%-9.16%
Loan Amount Minimum $1,000
Loan Amount Maximum $35,000
Loan Term 3-5 Years
Average Default Rate 4%
Most Common Reasons for Loan**
*As of August 2013
**Credit Card Refinance/Debt Consolidation accounts for 80.67% as reason for loan
14. RATES AND FEES
Total loans issued by Lending
Club has skyrocketed since 2011
and continues to grow.
1%-5% origination fee is charged
based on borrowers loan
grade/term.
1% servicing fee is charged to
the investor.
14
LENDINGCLUB
Loans Issued by Lending Club since Foundation
Lending Club Ratings and Associated APRs
15. ENROLLMENT
Enrollment is fast and easy:
o Borrower’s required to
provide basic personal
information
o Credit check is run on all
applicants.
o If approved, Lending Club
instantly shows the rate the
borrower qualifies for
15
LENDINGCLUB
Lending Club Application Approval Page
16. Lending Club Borrower Profile as Listed on Loan Board (Truncated)
LOAN PROFILE
16
P2PLENDERPROFILES:THELENDINGCLUB
Credit profile
provides detailed
credit information,
almost identical to
Prosper
Q&A adds a unique
feature, which Prosper
lacks, for investors to
ask borrowers about
the purpose of the
loan and their
financial history
Although aesthetically less pleasing than Prosper, the Lending Club profile provides
more digestible information, as well as an added Q&A section for investors to ask
borrowers questions.
Income is broken
down by month and is
specific, giving the
investor a
comprehensible view
of if borrower will be
able to pay off loan
monthly
Current funding is
broken down into a
dollar amount and
lists the number of
investors so far
18. RATES AND FEES
Prosper and Lending Club offer nearly identical APR’s and servicing fees.
Prosper’s closing fee is advertised as being slightly higher than The Lending
Club’s origination fee.
Advantage: The Lending Club
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PROSPERVS.LENDINGCLUB
Rates/Fees The Lending Club Prosper
APR 6.03%-28.69% 6.73%-35.36%
Origination/Closing Fee 1%-5% 2%-5%
Investor Fee 1% 1%
19. ONLINE USER EXPERIENCE
Lending Club provides more transparent information to both the borrower
and lender about the loan process, borrower requirements and associated
fees on its public site.
While Prosper’s site is more aesthetically pleasing, Lending Club provides a
more detailed and digestible loan profile which may attract more investors,
resulting in potentially better rates for borrowers.
Advantage: Lending Club
19
PROSPERVS.LENDINGCLUB
Feature Lending Club Prosper
Profile Set Up ✔
Profile Management ✔
Loan Profile ✔
Public Site Information ✔
Navigation ✔
20. CORPORATE STRUCTURE
Lending Club is currently valued at $1.55 billion.
Prosper recently raised $25 million in a new round of investment with backers
that included BlackRock.
Lending Club’s backers and Board of Directors include well-known individuals,
such as Larry Summers, John Mack, and Google, which may entice users based
on their leadership’s prior success in the financial markets.
Advantage: Lending Club
20
PROSPERVS.LENDINGCLUB
21. FINAL VERDICT
Lending Club provides a slightly better user experience and lower rates/fees
than Prosper. What really tips the scales in Lending Club’s favor is the firm’s
strong corporate structure and growth prospects as they are expected to go
public in the next year.
Leader: Lending Club
21
PROSPERVS.LENDINGCLUB
23. FIVE KEY TAKEAWAYS
23
KEYTAKEAWAYS
1. Lending Club and Prosper offer a viable option for qualified borrowers to
receive a personal loan away from the traditional brick-and-mortar
institutions.
2. Shadow lending websites provide a one-stop-shop for borrowers to receive
their loan, while providing the tools necessary to manage that loan.
3. From a borrower’s perspective, it’s very difficult to be approved to join
either website. Lending Club, for example, only accepts roughly 10% of all
applicants. While this is beneficial for investors and those who qualify for
these loans, by no means will these websites replace ‘pay-day loan’
boutiques.
4. It seems unlikely for shadow lenders to move beyond loans over $35,000
without becoming heavily regulated. With an influx of investors joining
because of the high ROI, P2P Lenders must ensure that borrower
requirements do not dip to meet the demand.
5. As many critics cite, the growth of these websites will help to alleviate any
predatory loan practices by offering fair rates and not imposing substantial
fees.
24. CORPORATE INSIGHT THOUGHT LEADERSHIP
24
Tablet-Friendly Web Design: Best Practices for Financial Services
The study examines the tablet-friendly website features provided by four leading firms across
financial services and provides recommendations for financial services firms building tablet-
optimized websites.
Next-Generation Investing: Financial Startups and the Future of Financial Advice
CI tracks over 100 startups that covers a wide range of new ideas across financial advice and
investing. This study will focus on each idea, analyze compares them to what established financial
institutions offer and examine the potential impact on the industry. Download the study preview!
Alternative Investments: How Asset Management Firms Frame Their Funds
This whitepaper examines the online content leading firms are using to educate investors and
financial advisors about alternative investments and takes a look ahead to what's next for these
products.
Facebook Marketing Campaigns - Social Media Initiatives in the Insurance Industry
This slide deck highlights some of the engaging Facebook marketing campaigns initiated by P&C
Insurance Monitor firms this year and offers a few Facebook marketing tips for insurers.
2013 Mobile Finance Trends and Innovations
This slide deck includes commentary on mobile developments, key takeaways for financial services
firms and thoughts on what’s next for mobile finance.
25. ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nation’s leading
financial institutions. For over 20 years, the firm has tracked technological developments in the financial
services industry, identifying best practices in online banking and investing, online insurance, mobile
finance, active trading platforms, social media and other emerging areas. There are no assumptions in
Corporate Insight’s work – we use live accounts at all of the firms we research, providing our clients with
unparalleled, unbiased intelligence on the competition.
Corporate Insight welcomes the opportunity to speak with the media. If you are interested in citing our
research or would like to schedule an interview with one of our analysts, please Joshua Grandy, Director
of Public Relations, at 646-876-7524 or pr@corporateinsight.com.
Media Inquiries
25
DOUG MILLER
Director of Research
Banking, Brokerage and Credit Cards
646-454-2664
dmiller@corporateinsight.com.
JOSHUA GRANDY
Director of Public Relations
646-876-7526
pr@corporateinsight.com
26. ABOUT THE AUTHORABOUTTHEAUTHOR
JOHN GREENOUGH
RESEARCH ASSOCIATE
BANK MONITOR AND CREDIT CARD MONITOR
John Greenough is a Research Associate for
Corporate Insight’s Bank Monitor and Credit Card
Monitor research services. John focuses on tracking
the online user experience, tools and products
offered by leading banks and credit card issuers. This
slide deck is the result of extensive research he
performed into the P2P lending industry and the
borrower experience leading firms in the space are
offering online.
Bank Monitor & Credit Card Monitor are service marks of Corporate Insight, Inc.; all rights reserved. 26