Yes! Investments! The last of the male bastion has also been conquered by the ladies. The last Research and Analysis report by Faircent, India’s largest P2P lending platform had already established that women borrowers are more disciplined in making repayments exhibiting lower delinquency (average default rate for women borrowers on the platform is at below 1% while for men is up to 2.5%). A recent report also establishes that women invest more wisely and tend to earn better returns from their investments.

So, what exactly gives the ladies this edge. We evaluate and bring you the insights.

1. It’s all in the genes: Women are born with not just the knack to spend but also to budget for it. Yes, the quality most mocked at by men is what gives women the ability to save and then invest their savings wisely. Armed with the age-old knowledge and ability to manage household budgets passed on from one generation to next, women are turning out to be smarter investors. When lending online, spreading risk by investing small amounts in a large number of Borrowers is important; and smart women investors are using this knowledge to build their portfolios. 
2. Approach: Women are calmer and more cautious. They do not become over-confident too easily and plan their investments better. With a systematic and planned approach, women can build a diversified portfolio which they regularly monitor. This is a huge advantage for women lending online. The key to making higher returns from P2P lending is to build a diversified portflio across age, yield, loan purpose and loan amount. By building a diversified portfolio on the platform, ladies increase their chances to make higher returns.  
3. One in hand is better than two in bush: Women have a long-term view and are not easily attracted by short-term windfall.  So, their investment decisions less impulsive. They understand that by re-investing their returns they can benefit from compounding returns. P2P lending is a unique asset class where Lenders receive part of their investment (principal & interest) every month. Reinvesting this monthly inflow means as opportunity to earn even greater returns. 
4. Small ego: Women find it easier to accept their mistakes and take corrective action. They find it easier to cut losses. They can handle stress better and have more patience which reflects in their approach towards investment. Women Lenders on the platform are not shy about embracing innovation and tweaking their portfolios to adapt to tech-enabled product features such as auto-invest launched to help Lenders build diversified portfolios. 

Returns from P2P lending are dependent on the ability to build a diversified portfolio and make small investment on a regular basis. Women use their higher Emotional Quotient to their advantage. Using a disciplined, meticulous and planned approach they are making their money work harder for them. This also makes them good people to lend to. With lowest deliquency ratio, women borrowers are much in demand on the platform. So Sign Up now and seek out active women borrowers! And if you are a woman with some extra idle money, Sign Up to start investing!