Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima

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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...

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Detalles Bibliográficos
Autores: Tornero-Cortés, Fabriccio, Cabrera-Campos, Alvaro, Burga-Durango, Daniel
Formato: artículo
Fecha de Publicación:2023
Institución:Universidad Peruana de Ciencias Aplicadas
Repositorio:UPC-Institucional
Lenguaje:inglés
OAI Identifier:oai:repositorioacademico.upc.edu.pe:10757/673086
Enlace del recurso:https://doi.org/10.1109/ICALTER61411.2023.10372891
http://hdl.handle.net/10757/673086
Nivel de acceso:acceso embargado
Materia:blockchain
crowdlending
smart contract
SMEs
https://purl.org/pe-repo/ocde/ford#2.11.00
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spelling 229b5ff2f33a5ef7a1bf5d504d16b8ae300359697f9cc5e3b80ea83b2baeca850ef300b579856d14cc2b70198b6f6865299048Tornero-Cortés, FabriccioCabrera-Campos, AlvaroBurga-Durango, Daniel2024-03-18T15:30:04Z2024-03-18T15:30:04Z2023-01-01https://doi.org/10.1109/ICALTER61411.2023.10372891http://hdl.handle.net/10757/673086Proceedings of the 2023 IEEE 3rd International Conference on Advanced Learning Technologies on Education and Research, ICALTER 20232-s2.0-85183028321SCOPUS_ID:851830283210000 0001 2196 144XIn 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.Revisión por paresODS 8: Trabajo Decente y Crecimiento EconómicoODS 9: Industria, Innovación e InfraestructuraODS 10: Reducción de las Desigualdadesapplication/htmlengInstitute of Electrical and Electronics Engineers Inc.info:eu-repo/semantics/embargoedAccessRepositorio Academico - UPCUniversidad Peruana de Ciencias Aplicadas (UPC)Proceedings of the 2023 IEEE 3rd International Conference on Advanced Learning Technologies on Education and Research, ICALTER 2023reponame:UPC-Institucionalinstname:Universidad Peruana de Ciencias Aplicadasinstacron:UPCblockchaincrowdlendingsmart contractSMEshttps://purl.org/pe-repo/ocde/ford#2.11.00Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Limainfo:eu-repo/semantics/articlehttp://purl.org/coar/version/c_970fb48d4fbd8a2563PublicationLICENSElicense.txtlicense.txttext/plain; charset=utf-81748https://upc.dspace7.openrepository.com/bitstreams/27a0fdb2-f81e-5309-9a2c-9024c1a0ca91/download8a4605be74aa9ea9d79846c1fba20a33MD5110757/673086oai:upc.dspace7.openrepository.com:10757/6730862026-02-17 17:49:06.122metadata.onlyhttps://upc.dspace7.openrepository.comRepositorio académico upcrepositorioacademico@upc.edu.pe
dc.title.es_PE.fl_str_mv Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
title Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
spellingShingle Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
Tornero-Cortés, Fabriccio
blockchain
crowdlending
smart contract
SMEs
https://purl.org/pe-repo/ocde/ford#2.11.00
title_short Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
title_full Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
title_fullStr Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
title_full_unstemmed Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
title_sort Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
author Tornero-Cortés, Fabriccio
author_facet Tornero-Cortés, Fabriccio
Cabrera-Campos, Alvaro
Burga-Durango, Daniel
author_role author
author2 Cabrera-Campos, Alvaro
Burga-Durango, Daniel
author2_role author
author
dc.contributor.author.fl_str_mv Tornero-Cortés, Fabriccio
Cabrera-Campos, Alvaro
Burga-Durango, Daniel
dc.subject.es_PE.fl_str_mv blockchain
crowdlending
smart contract
SMEs
topic blockchain
crowdlending
smart contract
SMEs
https://purl.org/pe-repo/ocde/ford#2.11.00
dc.subject.ocde.none.fl_str_mv https://purl.org/pe-repo/ocde/ford#2.11.00
description 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.
publishDate 2023
dc.date.accessioned.none.fl_str_mv 2024-03-18T15:30:04Z
dc.date.available.none.fl_str_mv 2024-03-18T15:30:04Z
dc.date.issued.fl_str_mv 2023-01-01
dc.type.es_PE.fl_str_mv info:eu-repo/semantics/article
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format article
dc.identifier.doi.none.fl_str_mv https://doi.org/10.1109/ICALTER61411.2023.10372891
dc.identifier.uri.none.fl_str_mv http://hdl.handle.net/10757/673086
dc.identifier.journal.es_PE.fl_str_mv Proceedings of the 2023 IEEE 3rd International Conference on Advanced Learning Technologies on Education and Research, ICALTER 2023
dc.identifier.eid.none.fl_str_mv 2-s2.0-85183028321
dc.identifier.scopusid.none.fl_str_mv SCOPUS_ID:85183028321
dc.identifier.isni.none.fl_str_mv 0000 0001 2196 144X
url https://doi.org/10.1109/ICALTER61411.2023.10372891
http://hdl.handle.net/10757/673086
identifier_str_mv Proceedings of the 2023 IEEE 3rd International Conference on Advanced Learning Technologies on Education and Research, ICALTER 2023
2-s2.0-85183028321
SCOPUS_ID:85183028321
0000 0001 2196 144X
dc.language.iso.es_PE.fl_str_mv eng
language eng
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eu_rights_str_mv embargoedAccess
dc.format.es_PE.fl_str_mv application/html
dc.publisher.es_PE.fl_str_mv Institute of Electrical and Electronics Engineers Inc.
dc.source.es_PE.fl_str_mv Repositorio Academico - UPC
Universidad Peruana de Ciencias Aplicadas (UPC)
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institution UPC
reponame_str UPC-Institucional
collection UPC-Institucional
dc.source.journaltitle.none.fl_str_mv Proceedings of the 2023 IEEE 3rd International Conference on Advanced Learning Technologies on Education and Research, ICALTER 2023
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Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
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