Peer-to-peer banking is an online system that allows individual members to complete financial transactions with one another by using an auction style process that lets members offer loans for a specific amount and at a specific rate. Buyers have the option to look for an amount and rate of interest that meets their needs.
All members are categorized by their risk level. Members can browse for other people based on various demographic information.
Since P2P banking does not use third party banking institution intermediaries the rates and terms are often much more favourable for the members.
Unlike conventional banking where the spread between deposit rates and lending rates are consumed to finance the bank's administrative and logistic expenses, both lenders and borrowers get to save such costs, while paying certain commission to the P2P portal provider and/or the credit rating agency.
https://en.wikipedia.org/wiki/Peer-to-peer_banking
Wateja wapo wenye pesa za kukopesha watu wapo, wenye mahitaji ya kukopa wapo, Kwanini platform hii enterpreneur mmoja asianzishe.., au kwanini hata huu mtandao wa JF wenye watembeleaji wengi wasianzishe hii platform ? au sheria zinakataza (this will be another money making kwa site)
Mfano wa Platform ni hii Zopa | Peer-to-Peer Lending & Loans | Invest Money in P2P
ambayo ipo UK
c.c Invisible
hili jambo ni jema sana...lakini///msukumo wa ndani ya nafsi za wadau//...............unajua hata walioleta wazo la mpesa ni wakenya na leo hii ni masikini kwani wazo lao lilichukuliwa na wenye nguvu........p2p banking...kwa hapa kwetu wanataka nani ata nini ili iwe nini..na ndio tatizo
Unajua hapa issue sio kwamba ni wazo jipya (tayari lipo na linafanyika pengine) cha muhimu ni platform (middle man) anayewakutanisha watoa mikopo na wapokea mikopo, na yeye kula commission kidogo maybe kutoka kwenye faida ya mkopaji, na hio platform sio kazi kivile kuanzisha (sheria kuzingatiwa)..., kwa hii ikianzishwa hapa bongo nadhani ni cash cow nzuri ambayo itampatia muanzishaji pesa, wakopaji sehemu ya kukopa na wenye pesa zilizolala sehemu ya kuziweka.
Pia hii P2P loans pia inaweza kutumika kama mtu ana wazo, mfano hata anataka kutoa movie, analeta idea watu wakiamua wanampa mtaji anafanyia kazi yake, na inategemea mapatano inawezekana kwanza wale waliotoa mtaji kwanza wanakula faida ya pesa zao alafu ndio mwenye wazo anaendelea kula pesa zake to infinity...
VICOBA.......yaweza pewa dhamana hiyo....au saccos na blah blah zingine kwa kuanzia.....
Ndio hata wewe kama ukifuata sheria nadhani unaweza kuanzisha hii platform.., issue ni kwamba sababu wakopeshaji ni watu wengi wa sehemu mbalimbali hii kitu inabidi iwe online.., ndio maana nikasema hata JF ambayo ina mtandao tayari inaweza ikaweka hii platform, au saccos yoyote au jamii yoyote au watu wowote wanaweza kuamua kuanzisha mtandao na kuanza kazi.., issue itakuwa tu ni kwenye kuchuja na kuhakikisha wakopeshwaji wanalipa, hao wakopeshaji inakuwa rahisi tu mtu yoyote ana-advertise na platform inakuwa na dhamana ya kuhakikisha huyo mtu ni genuine