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Recent regulatory changes may spell trouble for peer-to-peer lending platforms, affecting both lenders and borrowers. Coffee lovers should brace for higher prices driven by weather, shipping delays, and regulatory shifts, with recovery not expected until 2025. Meanwhile, the Social Stock Exchange in India is gaining momentum, providing crucial support to charitable organizations facing fundraising challenges, as seen with the non-profit Swadesh's impressive fundraising efforts.
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Quick takeaways
- The Reserve Bank of India's new guidelines on peer-to-peer lending are reshaping the market, raising concerns about lender trust and participation.
- The Social Stock Exchange aims to increase funding credibility for non-profits in India by connecting donors with legitimate initiatives, promoting social welfare.
Deep dives
Impact of RBI's New P2P Lending Guidelines
The Reserve Bank of India's (RBI) recent guidelines on peer-to-peer (P2P) lending significantly reshape the landscape. The new rules prohibit P2P platforms from offering credit guarantees to lenders, requiring them to face potential losses without protection. Additionally, every loan must now be individually approved, undermining previous practices that allowed for diversification and simplification for lenders. These changes raise concerns about the future trust and participation of lenders in P2P platforms, potentially altering the dynamics of this lending model in India.
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