Plataformas de financiamento P2P: análise da viabilidade econômica de sistemas distribuídos de energia solar fotovoltaica

Objetive: The term Shared Economy is used by the specialized literature to identify how the Internet, smartphones andapplications are changing the dynamics of the world economy. On the other hand, it is common knowledge that Brazil ishighly dependent on the hydroelectric and thermoelectric energy matrix, although there is a great potential to invest in solarenergy. In this scenario, the present study seeks to identify if the P2P loan can be a source of financing for the purchaseof solar panels. To this end, we use the investment analysis approach (IRR, NPV, Payback, ROE) to assess economicviability. The results show that the investments are viable in different scenarios. Therefore, governments, entrepreneursand consumers can join forces and solve one of the biggest problems of economic growth in recent years.