Journal of Scientific Papers


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ISSN 2071-789X

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Strike Plagiarism

  • General Founder and Publisher:

    Centre of Sociological Research


  • Publishing Partners:

    University of Szczecin (Poland)

    Széchenyi István University, (Hungary)

    Mykolas Romeris University (Lithuania)

    Alexander Dubcek University of Trencín (Slovak Republic)

  • Membership:

    American Sociological Association

    European Sociological Association

    World Economics Association (WEA)




A model proposal to determine a crowd-credit-scoring

Vol. 11, No 4, 2018

Antonio Moreno-Moreno,


Universidad de Sevilla,

Sevilla, Spain



A model proposal to determine a crowd-credit-scoring


Emma Berenguer,


Universidad Pablo de Olavide,

Sevilla, Spain


Carlos Sanchís-Pedregosa,


Universidad de Sevilla,

Sevilla, Spain


Universidad del Pacífico,

Lima, Peru





Abstract. Crowdlending is gaining importance as a financial option and is democratizing access to capital markets. However, the key factors that drive investors to choose a given project requires further research. Some authors have identified certain isolated factors, but a holistic approach is needed. To fill this gap, we identified 10 success factors allowing us to build a crowdlending success model. The model leads to establishing the concept of crowd-credit-scoring, in others words, understanding which criteria “crowds” follow when lending money and how different these criteria are from those applied by banking executives. Results will be very useful to establish the crowd-credit-scoring concept. In others words, which are the criteria follow by the “crowd” to lend money and how different are this criteria to the banking executives’ ones.


Received: July, 2018

1st Revision: August, 2018

Accepted: October, 2018


DOI: 10.14254/2071-789X.2018/11-4/4

JEL ClassificationG23, G41

Keywords: Crowdsourcing, crowdfunding, crowdlending, peer-to-peer, credit scoring