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Author:Zhang, Juanjuan 

Journal Article
The wisdom of crowdfunding

Microloans, also known as microfinancing, peer-to-peer lending, and crowdfunding, started out as a means for individuals, such as impoverished borrowers who lack collateral and underprivileged women in third world countries, to provide for themselves. The way microloan markets operate is quite straightforward. There are no banks. Interested individuals come together on a microloan platform and directly borrow and lend with each other.
Communities and Banking , Issue Winter , Pages 30-31

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