Investigation of Online Peer to Peer lending as a means to facilitate entrepreneurial finance in South Africa

Simple item page
dc.contributor.authorPholo, Makgowe Adam
dc.date.accessioned2022-09-23T12:03:47Z
dc.date.available2022-09-23T12:03:47Z
dc.date.issued2021
dc.descriptionA dissertation submitted to the Wits Business School, Faculty of Commerce, Law and Management, University of the Witwatersrand in partial fulfilment of the requirements for the degree of Master of Management (in Finance and Investments), 2021en_ZA
dc.description.abstractWith technological advancement in the financial sector over the last few years, there now exists digital business loan providers for both SMMEs and retail borrowers. These digital loans have expanded the scope of alternative sources of borrowing and funding alike. The adoption of these fintech funding models has been somewhat slow in South Africa, but if the success of other countries' adoption of these models, particularly peer to peer lending, is anything to go by, this fintech funding model could fill the gap that currently exists in SMME funding. Data is gathered from SMMEs as well as potential investors on the usage of Online Peer to Peer lending as both a funding mechanism as well as an investment proposition. The purpose of this data gathering -- via a survey --was to obtain Online Peer to Peer participants' views and/or perceptions about the effectiveness of online peer to peer lending, awareness of alternative (particularly fintech) funding models as well as their receptiveness to conducting financial transactions online. The survey found that the majority of entrepreneurs and investors believe that online peer to peer lending can bridge the financing gap left by traditional financing institutions in South Africa. Awareness of available fintech financing methods in South Africa is very low amongst both entrepreneurs and retails investors according to the research results in this paper. This suggests more could be done around socializing this form of financing to the general populace. The findings of the research also suggested overall that there is a viable business case for alternative financing for SMMEs in South Africa. In addition, the results of the survey indicated that the slow adoption of this fintech financing models in South Africa creates an opportunity for new fintech start-ups to participate in this market due to the low barrier to entryen_ZA
dc.description.librarianCK2022en_ZA
dc.facultyFaculty of Commerce, Law and Managementen_ZA
dc.identifier.urihttps://hdl.handle.net/10539/33330
dc.language.isoenen_ZA
dc.rights.holderUniversity of the Witswatersrand, Johannesburg
dc.schoolWits Business Schoolen_ZA
dc.subjectOnline Peer to peer lending
dc.subjectP2P lending
dc.subjectRowdfunding
dc.subjectFintech
dc.subjectInvestor
dc.subjectLender
dc.subject.otherSDG-8: Decent work and economic growth
dc.titleInvestigation of Online Peer to Peer lending as a means to facilitate entrepreneurial finance in South Africaen_ZA
dc.typeDissertationen_ZA
Files
Original bundle
Now showing 1 - 1 of 1
Thumbnail Image
Name:
MMFI-ThesisRpt_Adam Pholo 2069837 Final.pdf
Size:
555.75 KB
Format:
Adobe Portable Document Format
Description:
Download
License bundle
Now showing 1 - 1 of 1
No Thumbnail Available
Name:
license.txt
Size:
1.71 KB
Format:
Item-specific license agreed upon to submission
Description:
Download
Collections
Electronic Theses and Dissertations (Masters/MBA)