Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
In Metropolitan Lima, small and medium-sized enterprises (SMEs) face significant challenges in obtaining financing, primarily due to high interest rates and stringent requirements from traditional financial institutions. This research introduces a crowdlending system based on smart contracts backed...
| Autores: | , , |
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| Formato: | artículo |
| Fecha de publicación: | 2023 |
| País: | Perú |
| Recursos: | Universidad Peruana de Ciencias Aplicadas |
| Repositorio: | UPC-Institucional |
| Idioma: | inglés |
| OAI Identifier: | oai:repositorioacademico.upc.edu.pe:10757/673086 |
| Acesso em linha: | https://doi.org/10.1109/ICALTER61411.2023.10372891 http://hdl.handle.net/10757/673086 |
| Access Level: | acceso embargado |
| Palavra-chave: | blockchain crowdlending smart contract SMEs https://purl.org/pe-repo/ocde/ford#2.11.00 |
| Resumo: | In Metropolitan Lima, small and medium-sized enterprises (SMEs) face significant challenges in obtaining financing, primarily due to high interest rates and stringent requirements from traditional financial institutions. This research introduces a crowdlending system based on smart contracts backed by blockchain technology as a solution to these obstacles. A validation with end users was conducted, and the results obtained demonstrated an impressive compliance rate of 99%. This innovative approach provides a secure, transparent, and efficient environment, offering a robust solution to the financing needs of SMEs in the region. |
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