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<p>Civilization has a rich history of trust-based informal lending, where individuals borrow and lend without collateral or formal guarantees. This traditional method is evolving technologically, leading to peer-to-peer (P2P) lending platforms. This study examines factors influencing funding success and default risk among borrowers on P2P lending platforms through a systematic literature review based on the PRISMA model. Additionally, it employs social network analysis (SNA) to explore the intricate relationships and structural patterns within borrowers’ social networks, identifying key determinants of funding success and default risk. The findings underscore the significant role of social capital and income in shaping lending outcomes, offering insights into the complexities of assessing creditworthiness in online lending. These results enhance understanding of financial risk management and provide strategic guidance for P2P lending platforms, bridging traditional lending practices with modern financial technology.</p>

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Factors affecting the probability of funding success and default risk of borrowers in P2P lending: a social network analysis approach

  • 期刊论文

  • 发表日期：

    2025年3月19日

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  • Sahiba Khan,
  • Ranjit Singh,
  • Jayashree Bhattacharjee

摘要

Civilization has a rich history of trust-based informal lending, where individuals borrow and lend without collateral or formal guarantees. This traditional method is evolving technologically, leading to peer-to-peer (P2P) lending platforms. This study examines factors influencing funding success and default risk among borrowers on P2P lending platforms through a systematic literature review based on the PRISMA model. Additionally, it employs social network analysis (SNA) to explore the intricate relationships and structural patterns within borrowers’ social networks, identifying key determinants of funding success and default risk. The findings underscore the significant role of social capital and income in shaping lending outcomes, offering insights into the complexities of assessing creditworthiness in online lending. These results enhance understanding of financial risk management and provide strategic guidance for P2P lending platforms, bridging traditional lending practices with modern financial technology.