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4 Ways An Interest Rate Hike Will Impact Investors

In Credit Risk Modeling, Industry News by Jesse VelezLeave a Comment

This post was originally featured on October 5, 2015 in Orchard Platform’s Thought Leadership Series, where blog series where marketplace lending leaders share their industry insights. Below I share insights gained from my 10+ years of experience overseeing the loss forecasting of $9+ billion diverse small business lending products and managing $100+ billion in retirement assets. On September 17 the Federal Reserve …

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Five Common Mistakes P2P Loan Investors Make: Investing In A Single Platform (Part 3 of 5)

In Investment Mistakes by Kitty LinLeave a Comment

Mistake #3: Investing in A Single Platform (Part 3 of 5) A few weeks ago, we briefly examined the issue of diversification in the first post of our series (Mistake#1: Insufficient Diversification) and unsurprisingly, it creeps up again. We discovered that many investors believe that it is sufficient to diversify their portfolios by purchasing multiple notes on one lending platform. …

6 Factors to Consider When Investing on Lending Platforms

In Industry News by Kitty LinLeave a Comment

On October 30, 2015, many key players in the marketplace lending industry submitted their comments to the U.S. Department of Treasury’s RFI for the online marketplace lending industry. While sifting through many of the comments, I’ve selected a few excerpts that might be relevant to investors looking into the space. In this blog post, we’ll explore the benefits and risk …

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NSR Invest and MonJa Announce Strategic Partnership

In Company News by Joanna LaiLeave a Comment

MonJa will partner with NSR Invest to bring institutional analytics and performance reporting to financial advisors in peer-to-peer lending. This strategic partnership was announced in  Crowdfundinsider on September 28, 2015. Below is the original PRNewsWire release. DENVER and SAN FRANCISCO, Sept. 26, 2015 /PRNewswire/ — NSR Invest, a leading peer-to-peer investment management platform, and MonJa, a leading provider of market insights for …

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Five Common Mistakes P2P Loan Investors Make: Using Simple Filters (Part 2 of 5)

In Investment Mistakes by Kitty LinLeave a Comment

A few weeks ago, MonJa launched our “5 Common Mistakes P2P Loan Investors Make”  blog series. This week, we will talk about the second mistake investors make in peer-to-peer lending. These analytical findings will shed insight to those who are against using credit models. 5 Mistakes P2P Loan Investors Make – Using Simple Filters (Part 2 of 5) As peer to …

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What’s The Madden With You?

In Credit Risk Modeling, Industry News, Marketplace Lending by Jesse VelezLeave a Comment

The Madden v. Midland Funding, LLC ruling proves the importance of understanding the regulatory risk faced when pricing any asset class- especially in marketplace lending. Below is the MonJa analysis on how this ruling effects p2p institutional investors. First though, some of the facts: For a Madden v. Midland case overview, check out Lend Academy’s post “Madden 2015 Has Nothing to …

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5 Common Mistakes P2P Loan Investors Make: Insufficient Diversification (Part 1 of 5)

In Investment Mistakes by Joanna LaiLeave a Comment

MonJa is excited to announce their five part blog series “5 Common Mistakes P2P Loan Investors Make”. With the growth of peer-to-peer lending, more institutional investors are investing in marketplace platforms. There are several introductory guides out there on p2p lending, yet investors are applying sophisticated credit strategies in buying loans- something basic guides don’t address. As MonJa has been …

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A Day In The Life Of A MonJa Intern

In MonJa Life by Joanna LaiLeave a Comment

Two rockstar interns joined the MonJa team this summer. When they’re not amazing us with their lightening speed coding abilities, they keep us laughing with their amusing comments and millennial insights. We asked them to share about their summer experiences. Zi Wei, an anime loving sophomore at the University of Illinois Urbana Champaign, illustrates that MonJa life in a cartoon strip. While …

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Loan Selection In P2P Lending: Does It Actually Work?

In Marketplace Lending by James Wu

The major P2P lending platforms, such as Lending Club and Prosper, have been terrific at underwriting and setting a level playing field for marketplace lending – and several of them have recently launched or improved their passive vehicles; this is great news for investors seeking passive income with minimal amount of hassle. A common question that I often get is, …

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Survival Analysis Applied to Marketplace Loans

In Credit Risk Modeling by Matt KelsoLeave a Comment

MonJa would like to introduce Professor Matthew Dixon, whose current research interests include credit modeling for peer-to-peer loans. Over the last several months, Prof Dixon and Litong Dong, recent graduate of USF, have engaged in a collaborative research project with us here at MonJa. Their research focuses on survival analysis and how it might apply to marketplace notes. Today’s post is …