Jonas Schmidt, Author at P2PMarketData
Jonas Schmidt is the co-founder of P2PMarketData. He contributes especially with in-depth articles about market developments where he uses his background in social science and economics to analyze data in crowdfunding and the peer-to-peer lending industry.
Crowdfunding
Peer to Peer Lending
Interview with LendSecured CEO - Ņikita Gončars
In this interview you can read about the CEO of LendSecured Nikita Gončars tell the story of LendSecured, what it was like to launch a platform during Covid, how it is to invest on their platform and much more.
Jonas Schmidt • December 17th, 2021
Peer to Peer Lending
Interview with Mocasa CEO - Claire Cheung
Hear the CEO of Mocasa talk about why the platform was launched, what investment products they offer, how they handle risk, their future ambitions, and much more.
Jonas Schmidt • November 9th, 2021
Peer to Peer Lending
Real Estate Crowdfunding
Interview with Profitus CEO - Viktorija Vanagė
Profitus is one of the leading real estate crowdfunding platform in Lithuania. In this interview, Profitus CEO Viktorija Vanagė explains how she sees real estate crowdfunding, the impact of Covid on Prfitus, the future ahead and much more.
Jonas Schmidt • August 2nd, 2021
Peer to Peer Lending
Interview til Afranga COO – Yonko Chuklev
Afranga is a newly launched marketplace lending platform from the Bulgarian loan originator, Stikcredit. In this interview, we talk with Afranga COO Yonko Chuklev about the platform’s structure, business model and future plans.
Jonas Schmidt • April 26th, 2021
Peer to Peer Lending
Interview with DoFinance CEO – Jänis Kulikovskis
DoFinance is in the middle of restructuring their platform in the wake of problems induced by the Covid-19 pandemic. The CEO and Co-Founder Jänis Kulikovskis’ asked for an interview to try and explain the issues they are facing.
Jonas Schmidt • April 12th, 2021
Peer to Peer Lending
Interview with Kuflink CEO – Narinder Khattoare
The Kuflink peer-to-peer lending platform was established in 2017 but is already an established player within UK-based property lending. We had a talk with Kuflink CEO Narinder Khattoare to learn more about his take on the P2P lending industry.
Jonas Schmidt • March 24th, 2021
Peer to Peer Lending
Interview with TWINO CEO – Anastasija Oļeiņika
In this interview, you can learn more about the TWINO company ownership structure, how TWINO is trying to mitigate investor risk, and essentials about investing on TWINO, explained directly by CEO Anastasija Oļeiņika.
Jonas Schmidt • March 11th, 2021
Peer to Peer Lending
Interview with Income Marketplace CEO – Kimmo Rytkönen
Income Marketplace is a new, upcoming peer-to-peer platform with great ambitions. The platform want to provide highly-secured loans from emerging markets, and strives to make investor safety their trademark. We had a talk with CEO Kimmo Rytkönen.
Jonas Schmidt • February 16th, 2021
Real Estate Crowdfunding
Raising funds
The Ultimate Guide to Real Estate Crowdfunding: Everything You Need to Know
What are the benefits for real estate developers and investors? How does real estate crowdfunding work. Here is the ultimate guide about real estate crowdfunding for both beginners and experts!
Jonas Schmidt • February 8th, 2021
Peer to Peer Lending
What is Balance Sheet Lending? How is it different from typical P2P Lending?
In balance sheet lending (also called portfolio lending), the platform entity provides a loan directly to a consumer or business borrower. The loan is on the platforms balance sheet. The loan process is direct, like working with a bank.
Jonas Schmidt • February 2nd, 2021
Peer to Peer Lending
What Is a Secondary Market?
Secondary markets in peer-to-peer lending are marketplaces that allow you to buy and sell already funded loans after the repayment period has begun. Lenders use it to exit loans early. Investors use it to allocate or earn a return from re-selling.
Jonas Schmidt • February 2nd, 2021
Peer to Peer Lending
EvoEstate Interview with Co-founder Gustas Germanavicius
In this article, we talk with Gustas Germanavičius, Co-founder of EvoEstate, about his views on the real estate crowdfunding industry, what you can expect as an investor, and what the future brings for this real estate crowdfunding aggregator.
Jonas Schmidt • January 20th, 2021
Peer to Peer Lending
What is Buyback Guarantee in P2P Lending?
In Peer-to-Peer lending, a buyback guarantee is a contract between the lender and the loan originator. Its purpose is to protect lenders against borrower defaults and reckless behavior. The loans is safety for investors, but does it work?
Jonas Schmidt • January 18th, 2021
Peer to Peer Lending
Crypto Lending
Real Estate Crowdfunding
How We Review Platforms
On P2PMarketData we publish unbiased, trustworthy platform reviews. This means that the content of the review and the opinions expressed about the given platform are our own and not influenced by potential payment received from advertisers.
Jonas Schmidt • November 21st, 2020
Peer to Peer Lending
P2P Lending Explained: Business Models, Definitions & Statistics
Peer-to-Peer (P2P) lending is a type of debt-based crowdfunding facilitated by online P2P lending platforms that connect borrowers and lenders by circumventing conventional loan processes, requirements, and intermediaries.
Jonas Schmidt • October 17th, 2020
Markets
Peer to Peer Lending
P2P Lending in Croatia
The Croatian Market for Crowdfunding and Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance (CCFA) on the global market of alternative finance and the Best P2P Lending Platforms in Croatia.
Jonas Schmidt • September 21st, 2020
Markets
Peer to Peer Lending
P2P Lending in Cyprus
The Cypriot Market for Crowdfunding and P2P Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Cyprus had a total funding volume of €56.6 million in 2018, up from €10,000 in 2017.
Jonas Schmidt • August 23rd, 2020
Markets
International Funding Volumes July 2020
This is the first funding volume report published by P2P Market Data and in the future a new post will be published on a monthly basis as we receive fresh monthly funding data from all the platforms.
Jonas Schmidt • August 20th, 2020
Markets
Peer to Peer Lending
P2P Lending in Poland
The Polish Market for Crowdfunding and P2P Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Poland had a total funding volume of €297.6 million in 2018, up from €158.3 million in 2017.
Jonas Schmidt • August 4th, 2020
Markets
Peer to Peer Lending
P2P Lending in Portugal
The Portuguese Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Portugal had a total funding volume of €14.8 million in 2018, up from €8.3 million in 2017.
Jonas Schmidt • July 31st, 2020
Markets
Peer to Peer Lending
P2P Lending in Slovakia
The Slovak Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Slovakia had a total funding volume of €20.3 million in 2018, up from €10.2 million in 2017.
Jonas Schmidt • July 30th, 2020
Markets
Peer to Peer Lending
P2P Lending in the Czech Republic
The Czech Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, the Czech Republic had a total funding volume of €51.5 million in 2018, up from €26.5 million in 2017.
Jonas Schmidt • July 15th, 2020
Markets
Peer to Peer Lending
P2P Lending in Bulgaria
The Bulgarian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Bulgaria had a total funding volume of €36.1 million in 2018, up from €10.7 million in 2017.
Jonas Schmidt • July 6th, 2020
Peer to Peer Lending
Provision Funds in P2P Lending: Protection in Case of Loan Defaults
Provision funds helps to reduce the risk of investing in P2P lending by creating a safety buffer that P2P platforms can use to anticipate unforeseen circumstances. The goal is to offer a higher level of protection against losses. Does it work?
Jonas Schmidt • June 25th, 2020
Peer to Peer Lending
Is P2P Lending a Scam? – How to Avoid Investing in a P2P Lending Scam
Before carrying out bigger investments, it is normal to be worried about to what extent your investment will be safe. This article will dive into fraudulent P2P lending platforms and equip you with the tools to avoid the next P2P Lending scam.
Jonas Schmidt • June 21st, 2020
Markets
Peer to Peer Lending
P2P Lending in Lithuania
The Lithuanian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Lithuania had a total funding volume of €121.8 million in 2018, up from €61.3 million in 2017.
Jonas Schmidt • June 19th, 2020
Markets
Peer to Peer Lending
P2P Lending in Latvia
The Latvian Market for Crowdfunding and Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Estonia had a total funding volume of €227.3 million in 2018, up from €92.2 million in 2017.
Jonas Schmidt • June 14th, 2020
Markets
Peer to Peer Lending
P2P Lending in Estonia
The Estonian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Estonia had a total funding volume of €142.4 million in 2018, up from €81.2 million in 2017.
Jonas Schmidt • June 10th, 2020
Startup investing
Investing in Startups with Equity Crowdfunding
Investing in unlisted startup companies was previously only a possibility for business angels, venture capitalists or wealthy individuals. With the rise of crowdfunding, or specifically equity-based crowdfunding, it is now possible for everyone.
Jonas Schmidt • June 8th, 2020
Markets
Peer to Peer Lending
P2P Lending in Russia
The Russian Market for Crowdfunding According to data from the latest report published in 2020 by the Cambridge Centre for Alternative Finance, Russia had a total funding volume of €105.6 million in 2018, up from €28.4 million in 2017.
Jonas Schmidt • June 7th, 2020
Markets
Peer to Peer Lending
P2P Lending in Belgium
The Belgian Market for Crowdfunding According to data from the latest report published in 2020 by the Cambridge Centre for Alternative Finance, Belgium had a total funding volume of €44.6 million in 2018.
Jonas Schmidt • May 29th, 2020
Markets
Peer to Peer Lending
P2P Lending in Austria
The Austrian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Austria had a total funding volume of €35.1 million in 2018, up from €32.9 million in 2017.
Jonas Schmidt • May 26th, 2020
Markets
Peer to Peer Lending
P2P Lending in Spain
The Spanish Market for Crowdlending According to data from the latest report by Cambridge Centre for Alternative Finance, Spain had a total funding volume of €374.1 million in 2018, up from €160.5 million in 2017.
Jonas Schmidt • May 22nd, 2020
Markets
Peer to Peer Lending
P2P Lending in Italy
The Italian Market for Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Italy had a total funding volume of €475.5 million in 2018, up from €240.7 million in 2017.
Jonas Schmidt • May 21st, 2020
Peer to Peer Lending
Crowdfunding Statistics Worldwide: Market Development, Country Volumes, and Industry Trends
Table of Contents Where last year’s worldwide crowdfunding statistics showed a market in rapid growth in all regions of the world, a recently published report displays a more varied situation.
Jonas Schmidt • May 16th, 2020
Markets
Peer to Peer Lending
P2P Lending in Denmark
The Danish Market for Crowdlending According to data the Cambridge Centre for Alternative Finance, Denmark had a total alternative finance and crowdfunding funding volume of DKK 943.9m (€129.2m) in 2018.
Jonas Schmidt • May 3rd, 2020
Markets
Peer to Peer Lending
P2P Lending in Norway
The Norwegian Market for Crowdlending In 2019, the total Norwegian market for crowdfunding reached a yearly funding volume of NOK 442 million (~€38.4 million). This corresponds to a yearly growth of 72.2%, up from NOK 256.7 million in 2018.
Jonas Schmidt • April 28th, 2020
Markets
Peer to Peer Lending
P2P Lending in Sweden
The Swedish Market for Crowdlending According to data from the latest report by Cambridge Centre for Alternative Finance, Sweden had a total funding volume of €266.1 million in 2018. In 2017, up from a total volume of €196,1 million in 2017.
Jonas Schmidt • April 26th, 2020
Crowdfunding
Raising funds
Reward Crowdfunding Explained
Reward crowdfunding is a very popular way for startups and entrepreneurs to receive the necessary capital in order to initialize the first steps of getting a business up and running. This is mostly done by pre-selling a product to fund the campaign.
Jonas Schmidt • April 20th, 2020
Markets
Peer to Peer Lending
P2P Lending in Finland
The Finnish Market for Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Finland had a total funding volume of €196.76 million in 2017.
Jonas Schmidt • April 17th, 2020
Crowdfunding
Raising funds
Fundraising with Donation Crowdfunding
Donation-based crowdfunding has proved an efficient way for small charities to not only raise funds for charitable causes but also to broaden their network and create awareness about their organization. This article takes you through all aspects.
Jonas Schmidt • April 15th, 2020
Markets
Peer to Peer Lending
P2P Lending in Ireland
The Irish Market for Peer-to-Peer Lending The first P2P lending platform in Ireland opened in 2013 (Linked Finance), so the P2P lending market in Ireland is still relatively young, but more platforms are opening on an ongoing basis.
Jonas Schmidt • April 10th, 2020
Markets
Peer to Peer Lending
P2P Lending in the Netherlands
The Dutch Market for Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, the Netherlands had a total funding volume of €279.9 million in 2017.
Jonas Schmidt • April 9th, 2020
Markets
Peer to Peer Lending
P2P Lending in Switzerland
In 2018, the total crowdfunding in Switzerland had a funding volume of 516 million CHF that was split between five different crowdfunding models. Equity crowdfunding, P2P lending, invoice trading, reward and donation-based crowdfunding.
Jonas Schmidt • April 7th, 2020
Markets
Peer to Peer Lending
P2P Lending in the United Kingdom
The UK Market for Peer-to-Peer Lending is, by far, the largest P2P lending market in the European region taking up a market share of astonishing 72.5%. The same is true when it comes to the overall category of crowdfunding (market share of 67.7%).
Jonas Schmidt • March 29th, 2020
Markets
Peer to Peer Lending
P2P Lending in France
The French Market for Peer-to-Peer Lending France has been the largest market for alternative finance in continental Europe since 2013. In the latest report from the Cambridge Centre for Alternative Finance, France had a volume of €661.3 million.
Jonas Schmidt • March 22nd, 2020
Markets
Peer to Peer Lending
P2P Lending in Germany
With a market share of 17.7%, Germany is the second-largest market for peer-to-peer (P2P) investing in Europe, surpassed only by France. P2P investing covers more than P2P Lending but it demonstrates the importance of P2P Lending in Germany.
Jonas Schmidt • March 21st, 2020
Peer to Peer Lending
What is Social Impact Lending and how does it support borrowers
For social enterprises, it can be challenging to find sufficient unrestricted funds via bank finance to scale up their activities or develop a new line of business. Social Impact Lending can be a solution to earn a return while impacting societies.
Jonas Schmidt • February 21st, 2020
Crowdfunding
Raising funds
Crowdfunding Explained: The Ultimate Crowdfunding Guide
Crowdfunding is an industry in rapid growth all over the world, with great potential for both fundraisers and funders. Crowdfunding is the way of raising funds from the public for either a business, an individual, a project, or a campaign.
Jonas Schmidt • November 24th, 2019
Peer to Peer Lending
Peer-to-Peer Student Lending: Lend to Students with P2P Loans
Pursuing an MBA or other types of higher education requires financing – especially if you are aiming for a program at a top university. In recent years a new trend for financing Student Loans has risen, the so called Peer-to-Peer Student Lending.
Jonas Schmidt • September 23rd, 2019
Peer to Peer Lending
The Future of P2P Lending in China: Is There a Time After the Great Cleanup?
Chinese crowdfunding and especially the peer-to-peer (P2P) lending industry in China has experienced some turbulent years – and probably will in the coming years as well. From being almost nonexistent in 2012, to becoming perhaps nonexistent.
Jonas Schmidt • July 13th, 2019
Peer to Peer Lending
Crowdfunding in China: A Rise and Fall
China is the world’s largest contributor when it comes to funds raised through crowdfunding. In China, crowdfunding as a source of finance has emerged quickly and evolved with incredible speed. However, only recently the sector has pressured.
Jonas Schmidt • July 12th, 2019
Peer to Peer Lending
Crowdfunding
What is Invoice Trading?
Invoice trading is also known as p2p invoice finance or invoice crowdlending and is a type of peer-to-peer lending that allows individuals or institutional investors to purchase invoices or receivable notes from a business at a discount.
Jonas Schmidt • July 1st, 2019
Crowdfunding
Crowdfunding in Europe: Market Size by Country & Finance Model (2019)
Crowdfunding in Europe consists of different types of alternative financing of which p2p consumer lending with a 42% market cap is the largest. The highest funding volume still originates from the UK followed by France, Germany and the Netherlands.
Jonas Schmidt • June 5th, 2019
Peer to Peer Lending
P2P Business Lending: Investing in Business Loans
Business crowdlending or p2p business lending is a type of lending-based crowdfunding where individuals or institutional funders will provide a loan to a business borrower – typically a small or medium-sized enterprise.
Jonas Schmidt • May 25th, 2019
Peer to Peer Lending
Consumer Crowdlending: From Niche to Mass Market
Consumer crowdlending or p2p consumer lending covers unsecured loans to private individuals funded by either individuals. The loans can have a high variety of possible uses, such as loans for cars, refinancing, travel, wedding, or student loans.
Jonas Schmidt • May 20th, 2019
Peer to Peer Lending
What is P2P Lending “Skin in the Game”?
Skin in the game in p2p lending is a term used to describe the situation where P2P loan originators are risking losing their own money together with lenders buying their approved loans. The skin in the game is usually between 5 % and 15 %.
Jonas Schmidt • March 23rd, 2019
Peer to Peer Lending
The Two Peer-to-Peer Lending Business Models
Have you also noticed there are different online lending models in the so-called P2P Lending market? This short article will take you through the differences in the two ways of lending money to strangers online and provide you with a useful guide.
Jonas Schmidt • March 20th, 2019
Peer to Peer Lending
Diversification in P2P Lending
What is Diversification? Diversification is a risk management technique used to create variety in the investments of your portfolio. The idea behind diversification techniques to manage risks resides in Peer-to-Peer Lending is very valid.
Jonas Schmidt • March 15th, 2019
Peer to Peer Lending
Indirect and Direct Investment Structure in Peer to Peer Lending
The importance of investment structure in peer-to-peer lending is often overlooked, but how the loans you are investing in are structured can have a massive impact on your risk as an investor. Learn how to know the differences in structures.
Jonas Schmidt • March 14th, 2019
Peer to Peer Lending
What is a Loan Orginator in P2P Lending?
In peer-to-peer lending, a Loan Originator (LO) is a sales entity that uses marketing to acquire borrowers looking for a loan. Loan originators are acting as the fourth part in the peer-to-peer lending process and it carries a different risk.
Jonas Schmidt • March 1st, 2019