Silahkan ikuti intruksi di bawah ini:
1. Mengikuti perkuliahan BD307 di Zoom maupun Offline (Absen Hadirkugo)
2. Membaca Materi BD307 – Business Financial Technology yang telah diberikan pada email masing-masing dan mengerjakan Modul 3.
3. Pahami mengenai Platform Shortlink bysl.pw dan Image Hosting Platform pastibisa.app yang dikelola oleh Mahasiswa Universitas Raharja.
4. Buat masing-masing:
– 1 shortlink dan 1 QR code Modul Business Fintech milik pribadi yang suda tertera nama masing-masing (Create pada web bysl.pw)
– 1 link gambar QR Code (Upload pada pastibisa.app dan ambil linknya)
Berikan bukti dokumentasi jika sudah dikerjakan melalui CerMi di Web BisGen.
Semangat ^^
Status= 100%
Keterangan= Saya sudah mengerjakan dengan baik dan benar
Bukti=
1. Module 3: Peer-to-Peer (P2P) Lending & Crowdfunding
This module examines the rise of alternative financing models that bypass traditional banks. It covers the mechanics of P2P lending and various types of crowdfunding, analyzing their benefits, risks, and impact on financial inclusion and access to capital for individuals and small businesses.
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- Suggested Materials:
- LendingClub and Prosper websites (explore their business models).
- Kickstarter or Indiegogo websites (analyze a successful campaign).
- Academic paper on the risks and rewards of P2P lending
- Checklist of Questions:
- What are the ethical considerations in equity-based crowdfunding?
- Identify the key stakeholders in a P2P lending platform and their respective roles.
- Suggested Materials:
- Answer
- Ethical considerations in equity-based crowdfunding primarily revolve around fairness, transparency, investor protection, and due diligence, especially considering that many investors in this space are not professional or experienced investors.
- Borrower=To get funds quickly, affordably and on favorable terms. Investor/Lender=To earn interest and achieve investment returns that are generally higher than traditional savings. P2P Platform Operator=They facilitate transactions, conduct due diligence, match borrowers with investors, collect payments, and charge fees for their services. They are responsible for the platform’s technology and compliance. Regulators=To ensure platforms operate fairly, transparently, and legally; to protect consumers from fraud and excessive risk; and to maintain financial stability. Credit Bureau/Rating Agency=To supply critical data to the platform to assess the creditworthiness and default risk of borrowers.. Payment Processor/Bank=To manage cash inflows and outflows safely and efficiently for loan disbursement and repayment.
2.
https://bysl.pw/Modul-AuliaAugestKaryaSastra-BussinesFinancialTechnology