Instruct: Identify the main and secondary category of Arxiv papers based on the titles and abstracts
Query: The Role of Rating and Loan Characteristics in Online Microfunding
  Behaviors   We propose an in-depth study of lending behaviors in Kiva using a mix of
quantitative and large-scale data mining techniques. Kiva is a non-profit
organization that offers an online platform to connect lenders with borrowers.
Their site, kiva.org, allows citizens to microlend small amounts of money to
entrepreneurs (borrowers) from different countries. The borrowers are always
affiliated with a Field Partner (FP) which can be a microfinance institution
(MFI) or other type of local organization that has partnered with Kiva. Field
partners give loans to selected businesses based on their local knowledge
regarding the country, the business sector including agriculture, health or
manufacture among others, and the borrower.Our objective is to understand the
relationship between lending activity and various features offered by the
online platform. Specifically, we focus on two research questions: (i) the role
that MFI ratings play in driving lending activity and (ii) the role that
various loan features have in the lending behavior. The first question analyzes
whether there exists a relationship between the MFI ratings - that lenders can
explore online - and their lending volumes. The second research question
attempts to understand if certain loan features - available online at Kiva -
such as the type of small business, the gender of the borrower, or the loan's
country information might affect the way lenders lend.

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The categories of this paper are: plasm-ph
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The categories of this paper are: atom-ph
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The categories of this paper are: math
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The categories of this paper are: chao-dyn
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The categories of this paper are: econ
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The categories of this paper are: solv-int
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The categories of this paper are: adap-org
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The categories of this paper are: physics
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The categories of this paper are: cmp-lg
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The categories of this paper are: cond-mat
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The categories of this paper are: mtrl-th
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The categories of this paper are: bayes-an
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The categories of this paper are: stat
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The categories of this paper are: chem-ph
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The categories of this paper are: hep-lat
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The categories of this paper are: hep-ph