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:http://hdl.handle.net/10757/673086
Nivel de acceso:acceso embargado
Materia:blockchain
crowdlending
smart contract
SMEs
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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
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
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
format article
dc.identifier.doi.none.fl_str_mv 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
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identifier_str_mv 10.1109/ICALTER61411.2023.10372891
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
url http://hdl.handle.net/10757/673086
dc.language.iso.es_PE.fl_str_mv eng
language eng
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eu_rights_str_mv embargoedAccess
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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)
dc.source.none.fl_str_mv reponame:UPC-Institucional
instname:Universidad Peruana de Ciencias Aplicadas
instacron:UPC
instname_str Universidad Peruana de Ciencias Aplicadas
instacron_str UPC
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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
bitstream.url.fl_str_mv https://repositorioacademico.upc.edu.pe/bitstream/10757/673086/1/license.txt
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spelling 229b5ff2f33a5ef7a1bf5d504d16b8ae300359697f9cc5e3b80ea83b2baeca850ef300b579856d14cc2b70198b6f6865299048Tornero-Cortés, FabriccioCabrera-Campos, AlvaroBurga-Durango, Daniel2024-03-18T15:30:04Z2024-03-18T15:30:04Z2023-01-0110.1109/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 contractSMEsDesign of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Limainfo:eu-repo/semantics/articleLICENSElicense.txtlicense.txttext/plain; charset=utf-81748https://repositorioacademico.upc.edu.pe/bitstream/10757/673086/1/license.txt8a4605be74aa9ea9d79846c1fba20a33MD51false10757/673086oai:repositorioacademico.upc.edu.pe:10757/6730862024-07-20 04:29:49.903Repositorio académico upcupc@openrepository.comTk9URTogUExBQ0UgWU9VUiBPV04gTElDRU5TRSBIRVJFClRoaXMgc2FtcGxlIGxpY2Vuc2UgaXMgcHJvdmlkZWQgZm9yIGluZm9ybWF0aW9uYWwgcHVycG9zZXMgb25seS4KCk5PTi1FWENMVVNJVkUgRElTVFJJQlVUSU9OIExJQ0VOU0UKCkJ5IHNpZ25pbmcgYW5kIHN1Ym1pdHRpbmcgdGhpcyBsaWNlbnNlLCB5b3UgKHRoZSBhdXRob3Iocykgb3IgY29weXJpZ2h0Cm93bmVyKSBncmFudHMgdG8gRFNwYWNlIFVuaXZlcnNpdHkgKERTVSkgdGhlIG5vbi1leGNsdXNpdmUgcmlnaHQgdG8gcmVwcm9kdWNlLAp0cmFuc2xhdGUgKGFzIGRlZmluZWQgYmVsb3cpLCBhbmQvb3IgZGlzdHJpYnV0ZSB5b3VyIHN1Ym1pc3Npb24gKGluY2x1ZGluZwp0aGUgYWJzdHJhY3QpIHdvcmxkd2lkZSBpbiBwcmludCBhbmQgZWxlY3Ryb25pYyBmb3JtYXQgYW5kIGluIGFueSBtZWRpdW0sCmluY2x1ZGluZyBidXQgbm90IGxpbWl0ZWQgdG8gYXVkaW8gb3IgdmlkZW8uCgpZb3UgYWdyZWUgdGhhdCBEU1UgbWF5LCB3aXRob3V0IGNoYW5naW5nIHRoZSBjb250ZW50LCB0cmFuc2xhdGUgdGhlCnN1Ym1pc3Npb24gdG8gYW55IG1lZGl1bSBvciBmb3JtYXQgZm9yIHRoZSBwdXJwb3NlIG9mIHByZXNlcnZhdGlvbi4KCllvdSBhbHNvIGFncmVlIHRoYXQgRFNVIG1heSBrZWVwIG1vcmUgdGhhbiBvbmUgY29weSBvZiB0aGlzIHN1Ym1pc3Npb24gZm9yCnB1cnBvc2VzIG9mIHNlY3VyaXR5LCBiYWNrLXVwIGFuZCBwcmVzZXJ2YXRpb24uCgpZb3UgcmVwcmVzZW50IHRoYXQgdGhlIHN1Ym1pc3Npb24gaXMgeW91ciBvcmlnaW5hbCB3b3JrLCBhbmQgdGhhdCB5b3UgaGF2ZQp0aGUgcmlnaHQgdG8gZ3JhbnQgdGhlIHJpZ2h0cyBjb250YWluZWQgaW4gdGhpcyBsaWNlbnNlLiBZb3UgYWxzbyByZXByZXNlbnQKdGhhdCB5b3VyIHN1Ym1pc3Npb24gZG9lcyBub3QsIHRvIHRoZSBiZXN0IG9mIHlvdXIga25vd2xlZGdlLCBpbmZyaW5nZSB1cG9uCmFueW9uZSdzIGNvcHlyaWdodC4KCklmIHRoZSBzdWJtaXNzaW9uIGNvbnRhaW5zIG1hdGVyaWFsIGZvciB3aGljaCB5b3UgZG8gbm90IGhvbGQgY29weXJpZ2h0LAp5b3UgcmVwcmVzZW50IHRoYXQgeW91IGhhdmUgb2J0YWluZWQgdGhlIHVucmVzdHJpY3RlZCBwZXJtaXNzaW9uIG9mIHRoZQpjb3B5cmlnaHQgb3duZXIgdG8gZ3JhbnQgRFNVIHRoZSByaWdodHMgcmVxdWlyZWQgYnkgdGhpcyBsaWNlbnNlLCBhbmQgdGhhdApzdWNoIHRoaXJkLXBhcnR5IG93bmVkIG1hdGVyaWFsIGlzIGNsZWFybHkgaWRlbnRpZmllZCBhbmQgYWNrbm93bGVkZ2VkCndpdGhpbiB0aGUgdGV4dCBvciBjb250ZW50IG9mIHRoZSBzdWJtaXNzaW9uLgoKSUYgVEhFIFNVQk1JU1NJT04gSVMgQkFTRUQgVVBPTiBXT1JLIFRIQVQgSEFTIEJFRU4gU1BPTlNPUkVEIE9SIFNVUFBPUlRFRApCWSBBTiBBR0VOQ1kgT1IgT1JHQU5JWkFUSU9OIE9USEVSIFRIQU4gRFNVLCBZT1UgUkVQUkVTRU5UIFRIQVQgWU9VIEhBVkUKRlVMRklMTEVEIEFOWSBSSUdIVCBPRiBSRVZJRVcgT1IgT1RIRVIgT0JMSUdBVElPTlMgUkVRVUlSRUQgQlkgU1VDSApDT05UUkFDVCBPUiBBR1JFRU1FTlQuCgpEU1Ugd2lsbCBjbGVhcmx5IGlkZW50aWZ5IHlvdXIgbmFtZShzKSBhcyB0aGUgYXV0aG9yKHMpIG9yIG93bmVyKHMpIG9mIHRoZQpzdWJtaXNzaW9uLCBhbmQgd2lsbCBub3QgbWFrZSBhbnkgYWx0ZXJhdGlvbiwgb3RoZXIgdGhhbiBhcyBhbGxvd2VkIGJ5IHRoaXMKbGljZW5zZSwgdG8geW91ciBzdWJtaXNzaW9uLgo=
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Design of a Crowdlending System for Formalized SMEs Based on Smart Contracts in Metropolitan Lima
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