Revision as of 22:21, 27 September 2015

Consume(er)ium list of alternative financial services lists

What are alternative financial services?

This is the Consume(er)ium list of w:alternative financial services lists.

Often the spectrum ranges from brute loan sharking in operations known as w:payday loans all the way to almost respectable interest taking of non-collateralized loans.

What is APR, why does it matter?

In EU all loaning operations must show the w:annual percentage rate or APR for their example loans in their marketing. This can range from hundreds of percent to few tens of percent. Credit card debt is approximatelly the 10-15% zone.

Peer-to-peer lending

Peer-to-peer lending, abbreviated P2PL, is the practice of lending money to unrelated individuals, or "peers", without going through a traditional financial intermediary such as a bank or other traditional financial institution. P2PL is not to be confused with peer to peer investing (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending platforms and credit checking tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending. ( Wikipedia )

Microcredit and other microfinance

Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history. ( Wikipedia ) on microcredit

Europe

Lists of P2P financial services in Europe

Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk

Finland

List of Finnish alternative financial services lists

List of P2P financial services in Finland

http://www.fellowfinance.fi/
https://fixura.fi/
https://www.lainaaja.fi/
https://www.trustbuddy.fi/ by TrustBuddy AB (NO)

Lists of P2P financial services in Finland

http://www.tuntitili.fi/vertaislaina

UK

http://p2pfa.info/ - Peer-to-peer Finance Association of UK

@@ Line 1: / Line 1: @@
 = Consume(er)ium list of alternative financial services lists =
+= What are alternative financial services? =
 This is the Consume(er)ium list of [[w:alternative financial services]] lists.
-Often the spectrum is from basically loan sharking operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.
+Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.
+= What is APR, why does it matter? =
 In EU all loaning operations must show the [[w:annual percentage rate]] or APR for their example loans in their marketing. This can range from hundreds of percent to few tens of percent. Credit card debt is approximatelly the 10-15% zone.
+= Peer-to-peer lending =
 '''[[w:Peer-to-peer lending|Peer-to-peer lending]]''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending. ( Wikipedia )
+= Microcredit and other microfinance =
+'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]]. ( Wikipedia ) on microcredit
 = Europe =

Lists of alternative financial services: Difference between revisions