Abstract: A method, computer system, and computer program product are provided for facilitating peer-to-peer micro-loan transactions. A micro-loan system determines integrity scores for a plurality of users. The integrity scores are based on human capital management information and peer-submitted feedback. These micro-loan system receives a loan transaction request from a borrower-user, and determines a risk score for the loan transaction based the borrower's integrity score. The micro-loan system identifies potential lenders based on the determined transaction risk and the lenders' integrity scores. The micro-loan system facilitates a negotiation between the borrower and the potential lenders to determine transaction terms. When terms are finalized, the loan transaction and the transaction terms are recorded in a distributed ledger, and loan funds are remitted to the borrower.

Abstract: A method, computer system, and computer program product are provided for facilitating peer-to-peer micro-loan transactions. A micro-loan system determines integrity scores for a plurality of users. The integrity scores are based on human capital management information and peer-submitted feedback. These micro-loan system receives a loan transaction request from a borrower-user, and determines a risk score for the loan transaction based the borrower's integrity score. The micro-loan system identifies potential lenders based on the determined transaction risk and the lenders' integrity scores. The micro-loan system facilitates a negotiation between the borrower and the potential lenders to determine transaction terms. When terms are finalized, the loan transaction and the transaction terms are recorded in a distributed ledger, and loan funds are remitted to the borrower.