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P2P lending dianggap lebih mudah karena hanya memerlukan akses World-wide-web. Masyarakat juga bisa mengajukan pinjaman yang didukung oleh orang-orang lain sesama pengguna sistem P2P sebagai alternatif.Di sisi lain, keuntungan tambahan seperti hambatan masuk yang rendah dan fleksibilitas juga akan menjadi sangat menarik bagi para investor. Faktanya