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   <ow:Publication rdf:about="oai:digibug.ugr.es:10481/90345">
      <dc:title>Legal foundations of crowdlending: from mutual agreement to lending via online platforms</dc:title>
      <dc:creator>Rojo Gallego-Burín, Marina</dc:creator>
      <dc:creator>Rojo Gallego-Burín, Araceli María</dc:creator>
      <dc:subject>Crowdlending</dc:subject>
      <dc:subject>Lending</dc:subject>
      <dc:subject>Law</dc:subject>
      <dc:description>Technological innovation in the field of finance requires in-depth study of both technology&#xd;
and law. To contribute to this field, this paper proposes to analyse crowdlending, a procedure that&#xd;
allows the conclusion of loan agreements in which intermediaries disappear and online platforms&#xd;
participate. This procedure presents numerous legal challenges to which we must respond, and&#xd;
response requires analysing our legal foundations. As everythi ng has its precedent, meeting the&#xd;
legal challenges of regulating crowdlending requires study of its antecedents and, thus, analysis&#xd;
of the loan agreement. We have found as a legal precedent the contract of mutual (mutuum) of&#xd;
the Roman Law because this system configures the loan contract also without intermediaries. We&#xd;
studied it to check the problems it raised and what were its solutions. This is the starting point to&#xd;
face the analysis of crowdlending.</dc:description>
      <dc:date>2024-04-03T08:40:51Z</dc:date>
      <dc:date>2024-04-03T08:40:51Z</dc:date>
      <dc:date>2023</dc:date>
      <dc:type>journal article</dc:type>
      <dc:identifier>Rojo Gallego-Burín M, Rojo Gallego-Burín A (2023). Legal foundations of crowdlending: from mutual agreement to lending via online platforms. Iberoamerican Journal of Development Studies 12(2):56-75. DOI: 10.26754/ojs_ried/ijds.813</dc:identifier>
      <dc:identifier>https://hdl.handle.net/10481/90345</dc:identifier>
      <dc:identifier>10.26754/ojs_ried/ijds.813</dc:identifier>
      <dc:language>eng</dc:language>
      <dc:rights>http://creativecommons.org/licenses/by-nc-nd/4.0/</dc:rights>
      <dc:rights>open access</dc:rights>
      <dc:rights>Attribution-NonCommercial-NoDerivatives 4.0 Internacional</dc:rights>
      <dc:publisher>Universidad de Zaragoza</dc:publisher>
   </ow:Publication>
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