IDEAS home Printed from https://ideas.repec.org/a/eme/jamrpp/jamr-05-2024-0163.html
   My bibliography  Save this article

Impact of behavioral factors on the investor’s intention in peer-to-peer lending

Author

Listed:
  • Ritika
  • Ashu Khanna

Abstract

Purpose - Peer-to-peer lending has emerged as a promising alternative investment avenue globally. This study explores the variables influencing investors' intention in peer-to-peer lending. Studying these factors is crucial for inspiring investor motivation, which leads to the growth of peer-to-peer lending platforms in India. Design/methodology/approach - The research utilizes information gathered from 293 investors of the Rang de platform through a questionnaire. It employs ordinal logistic regression to assess how demographic characteristics, investor experience, social projects and investment factors influence the study’s outcomes. Findings - The research indicates that the education qualification and income level of the investors are significant demographic variables in their investment decisions. Moreover, social projects, the experience of the investors and investment factors affect their intent to invest more in peer-to-peer lending projects. Research limitations/implications - It helps stakeholders and borrowers of crowdfunding platforms think about these aspects when creating plans to bring in and keep investors. This approach also enhances the openness and dependability of lending processes. Originality/value - This research sheds light on Indian investors' behavior toward peer-to-peer lending platforms and includes new investment factors like project categories and impact partners that other researchers did not identify.

Suggested Citation

  • Ritika & Ashu Khanna, 2024. "Impact of behavioral factors on the investor’s intention in peer-to-peer lending," Journal of Advances in Management Research, Emerald Group Publishing Limited, vol. 22(1), pages 111-128, October.
  • Handle: RePEc:eme:jamrpp:jamr-05-2024-0163
    DOI: 10.1108/JAMR-05-2024-0163
    as

    Download full text from publisher

    File URL: https://www.emerald.com/insight/content/doi/10.1108/JAMR-05-2024-0163/full/html?utm_source=repec&utm_medium=feed&utm_campaign=repec
    Download Restriction: Access to full text is restricted to subscribers

    File URL: https://www.emerald.com/insight/content/doi/10.1108/JAMR-05-2024-0163/full/pdf?utm_source=repec&utm_medium=feed&utm_campaign=repec
    Download Restriction: Access to full text is restricted to subscribers

    File URL: https://libkey.io/10.1108/JAMR-05-2024-0163?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    More about this item

    Keywords

    Investors; Credit ratings; Ordinal logistic regression; Experience; Peer-to-Peer lending; C01; G11; G18; G24; G40;
    All these keywords.

    JEL classification:

    • C01 - Mathematical and Quantitative Methods - - General - - - Econometrics
    • G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions
    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • G40 - Financial Economics - - Behavioral Finance - - - General

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eme:jamrpp:jamr-05-2024-0163. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Emerald Support (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.