Peer-to-peer lending

Peer-to-peer lending (also known as person-to-person lending, peer-to-peer investing, and social lending; abbreviated frequently as P2P lending) is the practice of lending money to unrelated individuals, or "peers", without going through a traditional financial intermediary such as a bank or other traditional financial institution. This lending takes place online on peer-to-peer lending companies' websites using various different lending platforms and credit checking tools. Overview[edit] The interest rates are set by lenders who compete for the lowest rate on the reverse auction model, or are fixed by the intermediary company on the basis of an analysis of the borrower's credit.[1] Borrowers assessed as having a higher risk of default are assigned higher rates. Lenders mitigate the individual risk that borrowers will not pay back the money they received by choosing which borrowers to lend to, and mitigate total risk by diversifying their investments among different borrowers.

Peer-to-peer lenen What is Kickstarter 1. Kickstarter is a new way to fund creative projects. We’re a home for everything from films, games, and music to art, design, and technology. Kickstarter is full of projects, big and small, that are brought to life through the direct support of people like you. Since our launch in 2009, 6 million people have pledged $1 billion, funding 60,000 creative projects. 2. The filmmakers, musicians, artists, and designers you see on Kickstarter have complete control over and responsibility for their projects. 3. Project creators set a funding goal and deadline. 4. Backers are supporting projects to help them come to life, not to profit financially. 5. Mozart, Beethoven, Whitman, Twain, and other artists funded works in similar ways — not just with help from large patrons, but by soliciting money from smaller patrons, often called subscribers. 6. It’s supporting their dream to create something that they want to see exist in the world. 7.

Cyclos: software voor online en mobiel bankieren STRO ontwikkelde in 2003 de eerste versie van Cyclos: software voor transacties in lokaal geld projecten.De allernieuwste versie van Cyclos biedt deelnemers de mogelijkheid van transacties met lokaal geld via PC, betaalkaart of mobieltje. Honderden lokale bedrijfsnetwerken en lokaal geld projecten wereldwijd gebruiken Cyclos inmiddels naar volle tevredenheid Mogelijkheden van CyclosMet Cyclos kunnen leden van lokaal geld projecten zonder tussenkomst van derden transacties verrichten met een intern ruilmiddel. Cyclos heeft vele functionaliteiten, zoals een marktplaats voor vraag en aanbod, liquiditeitsheffing om geld te laten rollen, beoordelingen van transacties, etc.Programmeurs kunnen relatief makkelijk nieuwe functionaliteiten aan het bestaande systeem toevoegen. Cyclos voor lokaal geld initiatieven in NederlandVoor lokaal geld initiatieven zoals LETS-groepen biedt Cyclos de mogelijkheid om zonder tussenkomst van derden transacties te verrichten en advertenties te plaatsen.

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