Private loans like women

Less risk and more transparency. That’s why women prefer Social Lending.

The famous expression “men come from Mars and women from Venus” also applies in the world of finance.

Recent studies have shown that women have a risk attitude and make investment choices different from those of men. If on Mars it is mainly focused on traditional investments, that is on the stock and bond market, online lending platforms, first of all, crowdfunding and peer-to-peer lending, are fashionable.

In the p2p lending the lion’s part is played by women .

Women’s investments are becoming a force that should not be underestimated, also because their portfolio begins to weigh more than that of men. In the United Kingdom, for example, the number of single women has almost doubled in recent years and one in four young women earns more than their partner. This is why a recent research conducted by Crowdstacker, a London P2P lending platform, has sought to make the female universe of investments less mysterious

Not just a matter of intuition. Peer-to-peer lending is a rapidly growing market in Europe too, with the UK leader. A study by Morgan Stanley shows that in 2014 the sector recorded an increase of 144% compared to the previous year, for a turnover of about 3.5 billion euro. And then one would say that it is all thanks to the marked feminine intuition. In truth, this is only one aspect. The p2p lending has proved capable of responding effectively to the need for transparency and sharing. In fact, women seek a more ethical and protected investment that presents fewer risks, more protection, possible ways out, constant monitoring, comfort. All features of the new forms of online loans. Another factor that encourages greater participation by women is free access. Because the web is the most democratic medium there is, and it does not make distinctions.

Research results. Intrigued by the Crowdstacker studio, we went to the bottom to see what parameters it was conducted on. The assumption is the way in which we all approach investment, from which questions we ask and in what order. The first question from a woman who wants to invest is: “What are the risks?”, While a man would ask, “How much do I earn?”. This difference in approach, on the one hand demonstrates a greater demand for protection by women; on the other, it highlights their willingness to make a more informed choice and to want to be more informed. And in this sense the p2p lending platforms are equipped to respond to the best, explaining all the steps in a complete and exhaustive way, accompanying investors throughout the duration of the investment, and equipping themselves to make them feel masters of their future, at all times . Even when they decide to change course, withdrawing their money before the agreed deadline. In fact, this greater security is one of the bases of the business of the peer-to-peer lending platforms: what they promise is, yes, an average return expected on the single transaction, but at the same time a more secure and constant return with respect to stock stocks traditional. If the British peer-to-peer recorded a volume of 1.6 billion pounds last June ( Telegraph ) it is also thanks to the efforts of the platforms to make the experience of the loan itself as ethical and protected as possible.

Also here in we work to ensure autonomy and awareness in the management of the lenders’ investments. We have studied the “rapid return” formula in cases where a lender, for unexpected expenses or liquidity needs, wants to quickly get back his money, (subject to the availability of other investors to take over) without waiting for the loans to be completed. And finally, we remind you that the Lender Protection fund is active in , which protects the lenders’ capital even more. And beyond the differences, we continue to work to be able to meet the needs of those who land from Mars and those arriving from Venus.