step 3 Analysis step 1: Ranking the characteristics that affect lenders’ conclusion
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To put it briefly, P2P programs explore different methods to attract loan providers and relieve their fear of borrowers’ honesty. In today’s study, we evaluate lenders’ order out-of choices towards the means these companies behave whenever setting the rate. The original research usually explore and therefore attributes much more extreme and you may features an elevated effect on the latest lenders’ decision-to make procedure. Whereas, early in the day knowledge mainly assessed loan providers having fun with an effective retrospective strategy [i.e., 5, 18,19,20,21], the current data addresses so it question out of various other perspective-exploring not merely the factors one loan providers report since the influencing their decision-and work out, and in addition their order off preferences. This allows me to assess the facts that have the most influence on lenders’ decision making, and you can and this items are minimal for them. The second studies shifts the analysis attention into the people, and explores if they to take into consideration the fresh new lenders’ preferences, which means if they are interested in gaining the lenders otherwise the new individuals.