http://surprisinglyfree.com/2009/11/12/the-fate-of-peer-to-peer-lending/ Surprisingly Free is the site of the Technology Policy Program of the Mercatus Center at George Mason University. Here you'll find our blog and weekly podcast at the intersection of tech, policy, and economics. Mon, 06 Sep 2010 12:08:18 +0000 hourly 1 http://wordpress.org/?v=abc http://surprisinglyfree.com/2009/11/12/the-fate-of-peer-to-peer-lending/comment-page-1/#comment-392 Stefanie Haeffele-Balch Fri, 13 Nov 2009 19:44:08 +0000 http://surprisinglyfree.com/?p=639#comment-392 Lorne, thank you for your suggestion. I am interesting in seeing the different structures of each of these institutions and how their default rates differ. Let me be clear that I think all of these sites are Amazing! - they do a lot of good for people within the United States as well as around the world. Many of Prosper's problems may be site specific but all of the lending institutions are affected by the same regulation or have designed their structure in order to avoid regulation (Kiva is no-interest lending). My hypothesis is that these institutions, while doing good, are on the whole hindered from further innovation, improvement, and ultimately (possibly) success. Lorne, thank you for your suggestion. I am interesting in seeing the different structures of each of these institutions and how their default rates differ. Let me be clear that I think all of these sites are Amazing! – they do a lot of good for people within the United States as well as around the world. Many of Prosper's problems may be site specific but all of the lending institutions are affected by the same regulation or have designed their structure in order to avoid regulation (Kiva is no-interest lending). My hypothesis is that these institutions, while doing good, are on the whole hindered from further innovation, improvement, and ultimately (possibly) success.

]]> http://surprisinglyfree.com/2009/11/12/the-fate-of-peer-to-peer-lending/comment-page-1/#comment-393 Lorne Fri, 13 Nov 2009 17:40:54 +0000 http://surprisinglyfree.com/?p=639#comment-393 Good post, but I'm a lender on these platforms and you seem to only focus on the one that has been plagued with problems. You should include more about Lending Club, which is doing a great job picking the right US borrowers, as well as Kiva and Microplace, which are doing a fantastic job at helping others in third world countries. Good post, but I'm a lender on these platforms and you seem to only focus on the one that has been plagued with problems. You should include more about Lending Club, which is doing a great job picking the right US borrowers, as well as Kiva and Microplace, which are doing a fantastic job at helping others in third world countries.

]]> http://surprisinglyfree.com/2009/11/12/the-fate-of-peer-to-peer-lending/comment-page-1/#comment-394 Wiseclerk Fri, 13 Nov 2009 15:13:49 +0000 http://surprisinglyfree.com/?p=639#comment-394 Good post Good post

]]> http://surprisinglyfree.com/2009/11/12/the-fate-of-peer-to-peer-lending/comment-page-1/#comment-67 Stefanie Haeffele-Balch Fri, 13 Nov 2009 14:44:08 +0000 http://surprisinglyfree.com/?p=639#comment-67 Lorne, thank you for your suggestion. I am interesting in seeing the different structures of each of these institutions and how their default rates differ. Let me be clear that I think all of these sites are Amazing! - they do a lot of good for people within the United States as well as around the world. Many of Prosper's problems may be site specific but all of the lending institutions are affected by the same regulation or have designed their structure in order to avoid regulation (Kiva is no-interest lending). My hypothesis is that these institutions, while doing good, are on the whole hindered from further innovation, improvement, and ultimately (possibly) success. Lorne, thank you for your suggestion. I am interesting in seeing the different structures of each of these institutions and how their default rates differ. Let me be clear that I think all of these sites are Amazing! – they do a lot of good for people within the United States as well as around the world. Many of Prosper's problems may be site specific but all of the lending institutions are affected by the same regulation or have designed their structure in order to avoid regulation (Kiva is no-interest lending). My hypothesis is that these institutions, while doing good, are on the whole hindered from further innovation, improvement, and ultimately (possibly) success.

]]> http://surprisinglyfree.com/2009/11/12/the-fate-of-peer-to-peer-lending/comment-page-1/#comment-66 Lorne Fri, 13 Nov 2009 12:40:54 +0000 http://surprisinglyfree.com/?p=639#comment-66 Good post, but I'm a lender on these platforms and you seem to only focus on the one that has been plagued with problems. You should include more about Lending Club, which is doing a great job picking the right US borrowers, as well as Kiva and Microplace, which are doing a fantastic job at helping others in third world countries. Good post, but I'm a lender on these platforms and you seem to only focus on the one that has been plagued with problems. You should include more about Lending Club, which is doing a great job picking the right US borrowers, as well as Kiva and Microplace, which are doing a fantastic job at helping others in third world countries.

]]> http://surprisinglyfree.com/2009/11/12/the-fate-of-peer-to-peer-lending/comment-page-1/#comment-65 Wiseclerk Fri, 13 Nov 2009 10:13:49 +0000 http://surprisinglyfree.com/?p=639#comment-65 Good post Good post

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