The findings in my project in Business School, the Chinese University of Hong Kong.
You work for a lending company that provides small loans to individual borrowers for 3 or 5 years. The company has collected data on the loans granted in the past few years. Your responsibility is to conduct analysis on the data and uncover insights about the loans’ performance. Good loans are the ones where the status is current or fully paid. Bad loans are the ones where the status is default, in grace period or late.
id
Borrower’s idloan_amount
Amount of loanterm
Term of loanint_rate
Interest rateinstallment
Monthly paymentemp_length
Borrower’s employment lengthhome_ownership
Borrower’s home ownershipannual_inc
Borrower’s annual incomeloan_status
Status of the loanpurpose
Purpose of the loanaddr_state
Borrower’s residence statedti
Borrower’s debt-to-income ratiodelinq_2yrs
The frequency of the borrower’s delinquencies in the last 2 years.earliest_cr_line
The date the borrower started his/her first credit linemths_since_last_delinq
The number of months since the borrower’s last delinquencyopen_acc
The number of the borrower’s open credit accountsrevol_bal
The borrower’s revolving balancetotal_acc
The number of the borrower’s total credit accounts, including currently open & closedout_prncp
Outstanding principal of the loantotal_pymnt
Total payment on the loantotal_rec_prncp
Total received principal on the loantotal_rec_int
Total received interest on the loan