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Table 5 Borrowing experience, voluntary disclosures and funding success

From: Voluntary disclosures and peer-to-peer lending decisions: Evidence from the repeated game

 (1)(2)(3)(4)(5)(6)
Ltimes×Score −0.014**−0.014** −0.013*− 0.013**
 (−0.007)(−0.006) (−0.007)(− 0.006)
Ltimes −0.217***−0.032 −0.221***− 0.024
 (−0.024)(−0.024) (−0.024)(− 0.024)
Score0.014***0.016***0.022***0.009***0.017***0.017***
(−0.003)(−0.005)(− 0.005)(−0.003)(− 0.005)(−0.005)
Lnamount−0.063*** −0.063***−0.070*** −0.069***
(−0.007) (−0.007)(−0.007) (−0.007)
Months−0.012*** −0.013***−0.012*** −0.012***
(−0.002) (−0.002)(−0.002) (−0.002)
Interest−0.030*** −0.028***−0.028*** −0.026***
(−0.002) (−0.002)(−0.002) (−0.002)
Bgrade−0.008 −0.0120.022* 0.014
(−0.01) (−0.01)(−0.011) (−0.011)
Idnumber0.204*** 0.187***0.195*** 0.182***
(−0.01) (−0.01)(−0.01) (−0.01)
Gender−0.085*** −0.087***−0.103*** −0.103***
(−0.014) (−0.014)(−0.015) (− 0.015)
Age0.049*** 0.050***0.047*** 0.048***
(−0.007) (−0.007)(− 0.007) (− 0.007)
Worker−0.019 −0.024− 0.004 − 0.009
(−0.021) (−0.021)(− 0.021) (− 0.022)
Seller0.149*** 0.148***0.165*** 0.162***
(−0.034) (− 0.035)(−0.035) (−0.035)
Boss0.029 0.0310.034 0.035
(−0.024) (−0.025)(− 0.025) (− 0.025)
Student0.026 0.0280.015 0.018
 (−0.037) (− 0.038)(−0.037) (−0.038)
YearNoNoNoYesYesYes
N393539353935393539353935
Pseudo R20.2890.080.2960.2980.0820.304
  1. Notes. Robust standard errors are reported in parentheses. *, **, *** represents statistical significance at the 10%, 5% and 1% confidence levels, respectively