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Online Social Lending: The Effect of Cultural, Economic and Legal Frameworks

This study is based on a hand-collected dataset of over 7,300 peer-to-peer (P2P) loans granted in common law nations (U.S.A., U.K., India and Kenya) and civil law nations (Italy, Brazil, Germany, Finland, China and South Korea) between 2008 and 2013. Overall, peer-to-peer loans granted in common law nations are larger and have significantly lower interest rates and longer payback periods than those granted in civil law nations. Furthermore, controlling for the number of bidding days, peer-to-peer loans in common law nations seem to get funded more quickly, especially in nations with higher Hofstede masculinity scores.