What means peer-to-peer or P2P ?

It is a direct connection between two parties. In P2P one person makes the transaction directly to the other without intermediaries. This is what happens on the EthicHub platform: the investor sends the investment directly to the wallet of the farming community that requests the loan.

On the contrary, in a banking entity there is no peer-to-peer (P2P), since there is an intermediary in between, which is the entity itself.