Does Gender Affect Funding Success at the Peer-to-Peer Credit Markets? Evidence from the Largest German Lending Platform

Barasinska, Nataliya; Schäfer, Dorothea

doi:10.2139/ssrn.1738837

Cited by 22 publications

(11 citation statements)

References 23 publications

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“…Evidence for the largest U.S. peer-to-peer lending platform shows that women are more likely to obtain funds than men (Ravina, 2008;Pope and Sydnor, 2008). In contrast, gender does not affect loan access on the largest German peer-topeer lending platform (Barasinska and Schäfer, 2010).…”

Section: Independent Variablesmentioning

confidence: 88%

“…While the evidence on discrimination against female borrowers is mixed (Barasinska and Schäfer, 2010;Alesina et al, 2008;Ravina, 2008, Pope andSydnor, 2008;Blanchflower et al, 2003;Cavalluzzo et al, 2002), there is ample evidence on discrimination of ethnic entrepreneurs on loan markets, especially in the U.S. (e.g. Blanchflower et al, 2003;Cavalluzzo and Wolken, 2005;Bruder et al, 2011).…”

Section: Literature Review and Hypothesesmentioning

confidence: 99%

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Leasing by small enterprises

Neuberger

Räthke-Döppner

2013

Applied Financial Economics

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Standard-Nutzungsbedingungen:Die Dokumente auf EconStor dürfen zu eigenen wissenschaftlichen Zwecken und zum Privatgebrauch gespeichert und kopiert werden.Sie dürfen die Dokumente nicht für öffentliche oder kommerzielle Zwecke vervielfältigen, öffentlich ausstellen, öffentlich zugänglich machen, vertreiben oder anderweitig nutzen.Sofern die Verfasser die Dokumente unter Open-Content-Lizenzen (insbesondere CC-Lizenzen) zur Verfügung gestellt haben sollten, gelten abweichend von diesen Nutzungsbedingungen die in der dort genannten Lizenz gewährten Nutzungsrechte. Terms of use: Documents in AbstractUsing internal data of a leasing company in Germany, we examine the determinants of the probability and use of leasing by small firms. We find that small and young firms are likely to be constrained on the leasing market but use leasing to increase their debt capacity. Beyond contract-and firm-specific characteristics, demographic and socio-economic characteristics of the entrepreneur matter. Older and higher qualified entrepreneurs have easier access to leasing than those who are younger or non-educated, but the latter lease more than highly educated entrepreneurs. Female and non-married entrepreneurs of young firms use leasing to increase their debt capacity. These results are important for aging populations where the financing of entrepreneurial activities by highly qualified, older and female persons are important to sustain growth.JEL classification: D23, D92, G21, G31, G32, J14, J16

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Section: Independent Variablesmentioning

confidence: 88%

Section: Literature Review and Hypothesesmentioning

confidence: 99%

Leasing by small enterprises

Neuberger

Räthke-Döppner

2013

Applied Financial Economics

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“…In this type of crowdfunding, funders can earn an interest payment that was contractually agreed upon before the loan was made (Giudici et al, 2012). These kinds of contracts can either be between private persons, so called peer-to-peer lending (Hemer et al, 2011;Kaltenbeck, 2011;Kortleben & Vollmar, 2012), or between private persons and companies (Barasinka & Schäfer, 2010;Mach, Carter, & Slattery, 2013).…”

Section: Donation-based Crowdfundingmentioning

confidence: 99%

Strategies for reward-based crowdfunding campaigns

Kraus

Richter

Brem

et al. 2016

Journal of Innovation & Knowledge

169

113

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JEL classification: M13 O3 O31 O320 Keywords: Crowdfunding Reward-based Success factors Germany fsQCA Communication a b s t r a c t Crowdfunding represents an alternative way of funding entrepreneurial ventures -and is attracting a high amount of interest in research as well as practice. Against this background, this paper analyzes reward-based crowdfunding campaign strategies and their communication tools. To do this, 446 crowdfunding projects were gathered and empirically analyzed. Three different paths of successful crowdfunding projects could be identified and are described in detail. Practical implications of crowdfunding strategies are derived, and are dependent on the required sales effort and the project added value. The terms communicator, networker and self-runner are created for this crowdfunding strategy and filled with practical examples. This paper contributes to the literature in different ways: first, it sheds more light on the developing concept of crowdfunding, with an overview of current academic discussions on crowdfunding. Furthermore, the analysis of success factors for crowdfunding initiatives adds to an emerging area of research and allows entrepreneurs to extract best practice examples for increasing the probability of successful crowdfunding projects under consideration of the key influencing factors of communication. Códigos JEL: M13 O3 O31 O320r e s u m e n El crowdfunding representa un modo alternativo de financiar proyectos empresarialesy está atrayendo un gran interés tanto en el ámbito de la investigación como en la prác-tica. En este contexto, este artículo analiza las estrategias de campañas de crowdfunding de recompensa y sus herramientas de comunicación. Con este fin, se han reunido y

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“…Investors receive a fixed interest rate in this case. These kinds of contracts can either be made between private persons when a private investors finances a private fundraiser (Peerto-Peer-Lending) (Hemer et al, 2011;Kaltenbeck, 2011;Kortleben and Vollmar, 2012), or from private persons to companies (Barasinka and Schäfer, 2010;Mach et al, 2013).…”

Section: Copyright By Author(s); Cc-by 410mentioning

confidence: 99%

Crowdfunding: The Current State Of Research

Bouncken¹,

Komorek²,

Kraus³

2015

IBER

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Crowdfunding represents an alternative way of funding compared to traditional borrowing. As a principle, crowdfunding is open to everyone - private persons as well as economic actors. A group of people, the crowd, financially contributes small amounts to projects, products or ideas. These projects, products or ideas are owned by fundraisers (e.g. entrepreneurs or private persons), seeking for money in order to get their project realized. Fundraisers search for investors directly or via a specific digital platform, referred to as intermediaries. Crowdfunding represents a recent web 2.0 based phenomenon gaining more and more scientific attention. Therefore, this article seeks to give an overview on the current state of scientific knowledge on the topic, summarizing core definitions as well as characteristics.

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Does Gender Affect Funding Success at the Peer-to-Peer Credit Markets? Evidence from the Largest German Lending Platform

Cited by 22 publications

References 23 publications

Leasing by small enterprises

Leasing by small enterprises

Strategies for reward-based crowdfunding campaigns

Crowdfunding: The Current State Of Research

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