P2Pثقييم مؤشرات الأداء المالي لمنصات الإقراض

Abstract

This research aims to study and evaluate the financial performance of peer-to-peer (P2P) lending platforms, with a focus on Lending Club as a case study. This comes in light of the rapid developments witnessed in the financial sector as a result of integrating financial technology (Fintech) into banking services, especially in alternative financing models. The study's objectives revolve around identifying the techniques and applications of financial technology, analyzing the business model of P2P lending platforms, and assessing the financial performance of Lending Club through a set of financial ratios, including liquidity, profitability, efficiency, leverage, and market indicators.The study relied on the descriptive analytical method for the theoretical part and on the case study approach for the practical part, where the financial performance of the platform was analyzed during the period from 2021 to 2024. The results showed that the year 2022 was exceptional in terms of financial performance, while 2023 witnessed a relative decline despite some positive indicators such as the growth in net interest income. In 2024, a slight improvement in the company’s performance was observed compared to the previous year.These results reflect the importance of monitoring financial indicators in assessing the sustainability and growth of digital lending platforms, and highlight the challenges they face amid market fluctuations.