Rezaprasga, Arghasa (2018) BUSINESS MODEL ANALYSIS OF INVESTREE’S PEER-TO-PEER LENDING PLATFORM. Skripsi thesis, PPM Manajemen.
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Abstract
The business model analysis of Investree shows that the platform possesses a sound and viable strategy. The focal point of a business model canvas is the value offered to the customer, which helps them solve their problem. Indonesia is struggling to reach a high amount of financial inclusion, and P2P lending may help alleviate that problem. Investree allows people to spend a relatively small amount of capital to invest, which helps small-time investors and aspiring business owners. Previously, underserved and underbanked citizens would have a hard time raising funds to properly start a business. P2P lending increases the accessibility of investment and/or credit opportunities for underserved and underbanked citizens (Buckingham et al, 2017). The alternative finance industry of Indonesia requires a precursor, someone to give the underserved and underbanked people a chance to fund their business. This explains the differing policies of Investree and LendingClub. For example, LendingClub strictly limits its borrowers’ debt-to-income ratio to 30%, while Investree does not place such a restriction. The minimal amount of investment for a lender is also an indication that the two companies aim for different things.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Uncontrolled Keywords: | Finance, Business model analysis, Business model canvas |
| Subjects: | D Finance > D Finance |
| Divisions: | Program Studi Sarjana > Manajemen Bisnis |
| Depositing User: | Slamet SPJ Pujiana |
| Date Deposited: | 31 Mar 2020 08:44 |
| Last Modified: | 10 Aug 2022 02:01 |
| URI: | http://repo.ppm-manajemen.ac.id/id/eprint/119 |
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