<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2395-8715</journal-id>
<journal-title><![CDATA[Revista de economía]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. econ.]]></abbrev-journal-title>
<issn>2395-8715</issn>
<publisher>
<publisher-name><![CDATA[Facultad de Economía, Universidad Autónoma de Yucatán]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2395-87152025000100089</article-id>
<article-id pub-id-type="doi">10.33937/reveco.2025.430</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Estado del arte del financiamiento colectivo de préstamos: un enfoque de probabilidad de default, 2008-2023]]></article-title>
<article-title xml:lang="en"><![CDATA[State of the art in lending crowdfunding: an approach based on default probability, 2008-2023]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[González]]></surname>
<given-names><![CDATA[John De Jesús]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[García Salgado]]></surname>
<given-names><![CDATA[Oswaldo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Morales Castro]]></surname>
<given-names><![CDATA[Arturo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Autónoma del Estado de México Facultad de Economía ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Autónoma del Estado de México Facultad de Economía ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Nacional Autónoma de México Facultad de Contaduría y Administración ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2025</year>
</pub-date>
<volume>42</volume>
<numero>104</numero>
<fpage>89</fpage>
<lpage>126</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2395-87152025000100089&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2395-87152025000100089&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2395-87152025000100089&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El préstamo entre particulares, mejor conocido como préstamos de persona a persona (P2P), es un modelo de negocio esencial en las finanzas tecnológicas y una alternativa orientada al fomento de obtención de fondos para prestatarios de forma novedosa. Sin embargo, la posibilidad de que solicitantes que acceden a préstamos mediante este modelo de negocio no cumplan con sus obligaciones de pago es una preocupación importante para prestamistas e inversores. De este modo, el presente estudio tiene como objetivo examinar los enfoques bajo los que se ha analizado este modelo de negocio e identificar patrones y tendencias de esta temática a través de un análisis bibliométrico, con el apoyo de la herramienta Bibliometrix, de R y VOSviewer. Se identificaron siete enfoques de estudio y una parte esencial de los factores que pueden aumentar la probabilidad de incumplimiento. Los hallazgos de la bibliometría sugieren que las publicaciones principales provienen de Estados Unidos y China, de la University of Maryland y la National Kaohsiung University of Science and Technology. Como revista destacada se tiene a SSRN Electronic Journal. Las plataformas mayormente analizadas son Lendingclub.com y Prosper.com, las técnicas estadísticas utilizadas principalmente son probit y regresión logística. Bin Gu se destaca por su producción y colaboración con otros autores. La coocurrencia de palabras clave muestra que peer to peer lending, default risk y fintech aparecen con mayor frecuencia. Finalmente, el mapeo temático indica que los temas screening, market inference, P2P lending, misreporting, China e information asimetry son tópicos principales. Las implicaciones prácticas de estos hallazgos son de interés para investigadores y académicos al facilitar la identificación de temas significativos y emergentes en este campo, así como señalar posibles rutas para investigaciones futuras.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Peer-to-peer (P2P) lending is an essential business model in technology finance and an alternative focused on promoting the raising of funds for borrowers in a novel way. However, the possibility that applicants who access loans through this business model may default on their payment obligations is a major concern for lenders and investors. The present study thus aims to examine the approaches employed in the analysis of this business model and to identify patterns and trends through a bibliometric analysis using R's Bibliometrix and VOSviewer. Seven different study approaches were identified and an essential part of the factors that can increase the probability of default. The bibliometric analysis suggest that the main publications come from the United States and China, from the University of Maryland and the National Kaohsiung University of Science and Technology, SSRN Electronic Journal is the leading journal, the most analyzed platforms are Lendingclub.com and Prosper.com, the main statistical techniques used are probit and logistic regression. Bin Gu stands out for his production and collaboration with other authors in terms of co-authorship networks. Keyword co-occurrence shows that peer-to-peer lending, default risk, and fintech are the most common. Finally, the thematic mapping shows that screening, market inference, peer to peer lending, misreporting, China, and information asymmetry are the main themes. The practical implications of these findings are of interest to researchers and academics, as they help to identify significant and emerging themes within the field and suggest potential avenues for future research.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[peer to peer lending]]></kwd>
<kwd lng="es"><![CDATA[P2P lending]]></kwd>
<kwd lng="es"><![CDATA[P2P]]></kwd>
<kwd lng="es"><![CDATA[crowdlending]]></kwd>
<kwd lng="es"><![CDATA[default]]></kwd>
<kwd lng="es"><![CDATA[fintech]]></kwd>
<kwd lng="en"><![CDATA[peer to peer lending]]></kwd>
<kwd lng="en"><![CDATA[P2P lending]]></kwd>
<kwd lng="en"><![CDATA[P2P]]></kwd>
<kwd lng="en"><![CDATA[crowdlending]]></kwd>
<kwd lng="en"><![CDATA[default]]></kwd>
<kwd lng="en"><![CDATA[fintech]]></kwd>
</kwd-group>
</article-meta>
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