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Updated: Aug 23, 2025

A Mass Spectrometry-Based Approach to Identify Phosphoprotein Phosphatases and their Interactors

A Mass Spectrometry-Based Approach to Identify Phosphoprotein Phosphatases and their Interactors

Published on: April 29, 2022

P2P lending platforms in Malaysia: What do we know?

Lan Thi Phuong Nguyen¹, Wisdom Kalabeke¹, Saravanan Muthaiyah¹

¹FACULTY OF MANAGEMENT, MULTIMEDIA UNIVERSITY, CYBERJAYA, SELANGOR, 63100, Malaysia.

|April 17, 2023

Summary

Individual investors in Malaysia

Keywords:

FinTech platforms P2P lending platforms SMEs credit rating default risk individual investors

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Area of Science:

Financial Technology (FinTech)
Peer-to-Peer (P2P) Lending
Investment Risk Analysis

Background:

Financial Technology (FinTech) has led to the rise of Peer-to-Peer (P2P) lending platforms in Malaysia since 2016, regulated by the Securities Commission.
P2P lending offers individual investors higher potential returns than traditional lenders but also entails increased default risks from borrowers.
Understanding potential risk exposures is crucial for individual investors to make informed decisions on P2P lending platforms.

Purpose of the Study:

To explore potential risk exposures faced by individual investors on licensed P2P lending platforms in Malaysia.
To analyze the relationship between interest rates and key risk factors in the Malaysian P2P lending market.

Main Methods:

Manual data collection from nine P2P lending platforms over a five-month period.
Examination of relationships between interest rates and risk factors: credit rating, industry, business stage, loan purpose, and loan duration.

Main Results:

Significant variations in interest rates were observed for loans with similar credit ratings, loan purposes, and business stages.
Shorter loan durations were associated with higher interest rates compared to longer durations.
Loans from companies within the same industry generally exhibited similar interest rates.

Conclusions:

This study provides novel insights into Malaysia's P2P lending landscape using firsthand-collected data.
Findings on the interplay between interest rates and risk factors (credit rating, industry, business stage, loan purpose, loan duration) are valuable for investors.
The results empower individual investors to better assess risks and opportunities within Malaysian P2P lending platforms.