(Dataset Prosper Loan Data)
by (Osama Abdu AlBaset AlShihabi)
Dataset
This dataset about the various variables and factors related to a Loan taken. It has 113937 entries with 81 features, including features of primary importance including loan Term, Loan Amount, Interest Rate, MonthlyIncome, etc. This dataset can be found at: https://s3.amazonaws.com/udacity-hosted-downloads/ud651/prosperLoanData.csv. with feature documentation available here: https://docs.google.com/spreadsheets/d/1gDyi_L4UvIrLTEC6Wri5nbaMmkGmLQBk-Yx3z0XDEtI/edit?usp=sharing..
Summary of Findings
The degree of custom risk created with Prosper data. The score ranges from 1 to 10, with 10 being the best or lowest risk score.Where the results show that the percentage of loss is higher for private customers (0-0.2).
Increasing the number of investors leads to an increase in project success
two factors To determine the severity of loan losses in Finance
What is the severity of loan losses during exposure to refund rates (LP_NetPrincipalLoss) also what is the Defaulted rate (MonthlyLoanPayment).The higher the refund, the greater the monthly payment.
Key Insights for Presentation
Although the product we are studying is group loan, loans in the database are treated individually for each individual customer. Therefore, in our analysis, the whole society is granted a loan. The losses of some of the simulated portfolios may be estimated to be higher or less than what they are, except that we did not consider the group's impact.