The role of lenders´ geographical diversification in P2P transactinos

Detalhes bibliográficos
Autor(a) principal: Maria, Edoardo Di
Data de Publicação: 2020
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
Texto Completo: http://hdl.handle.net/10362/104080
Resumo: In this dissertation,I provide novel evidenceof the impact of geographical diversification on loan interest rates. The findings, based on a unique dataset of all P2P transactions in a UK platformover the period 2010-2013, suggest that more geographically-diversified lenders are more likely to impose lower interest rates in their contract terms in P2P transactions, while more concentrated lenders (in terms of geographical concentration of the activities) practice higher loan interests rate. These results are robust to an alternative econometric approach.
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spelling The role of lenders´ geographical diversification in P2P transactinosPeer-to-peer credit marketsScreeningGeographical diversificationDiversificationDomínio/Área Científica::Ciências Sociais::Economia e GestãoIn this dissertation,I provide novel evidenceof the impact of geographical diversification on loan interest rates. The findings, based on a unique dataset of all P2P transactions in a UK platformover the period 2010-2013, suggest that more geographically-diversified lenders are more likely to impose lower interest rates in their contract terms in P2P transactions, while more concentrated lenders (in terms of geographical concentration of the activities) practice higher loan interests rate. These results are robust to an alternative econometric approach.Gonçalo, RochaRUNMaria, Edoardo Di2020-09-15T08:54:49Z2020-06-042020-05-222020-06-04T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/104080TID:202502236enginfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2024-03-11T04:49:36Zoai:run.unl.pt:10362/104080Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-20T03:40:07.518525Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse
dc.title.none.fl_str_mv The role of lenders´ geographical diversification in P2P transactinos
title The role of lenders´ geographical diversification in P2P transactinos
spellingShingle The role of lenders´ geographical diversification in P2P transactinos
Maria, Edoardo Di
Peer-to-peer credit markets
Screening
Geographical diversification
Diversification
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
title_short The role of lenders´ geographical diversification in P2P transactinos
title_full The role of lenders´ geographical diversification in P2P transactinos
title_fullStr The role of lenders´ geographical diversification in P2P transactinos
title_full_unstemmed The role of lenders´ geographical diversification in P2P transactinos
title_sort The role of lenders´ geographical diversification in P2P transactinos
author Maria, Edoardo Di
author_facet Maria, Edoardo Di
author_role author
dc.contributor.none.fl_str_mv Gonçalo, Rocha
RUN
dc.contributor.author.fl_str_mv Maria, Edoardo Di
dc.subject.por.fl_str_mv Peer-to-peer credit markets
Screening
Geographical diversification
Diversification
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
topic Peer-to-peer credit markets
Screening
Geographical diversification
Diversification
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
description In this dissertation,I provide novel evidenceof the impact of geographical diversification on loan interest rates. The findings, based on a unique dataset of all P2P transactions in a UK platformover the period 2010-2013, suggest that more geographically-diversified lenders are more likely to impose lower interest rates in their contract terms in P2P transactions, while more concentrated lenders (in terms of geographical concentration of the activities) practice higher loan interests rate. These results are robust to an alternative econometric approach.
publishDate 2020
dc.date.none.fl_str_mv 2020-09-15T08:54:49Z
2020-06-04
2020-05-22
2020-06-04T00:00:00Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/masterThesis
format masterThesis
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10362/104080
TID:202502236
url http://hdl.handle.net/10362/104080
identifier_str_mv TID:202502236
dc.language.iso.fl_str_mv eng
language eng
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.source.none.fl_str_mv reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
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instacron:RCAAP
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repository.name.fl_str_mv Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
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