https://github.com/datasets/zopa
Data on interest rate and risk (default rates) at ZOPA, the peer-to-peer marketplace for money.
https://github.com/datasets/zopa
Last synced: 12 months ago
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Data on interest rate and risk (default rates) at ZOPA, the peer-to-peer marketplace for money.
- Host: GitHub
- URL: https://github.com/datasets/zopa
- Owner: datasets
- Created: 2013-02-16T14:46:45.000Z (over 13 years ago)
- Default Branch: main
- Last Pushed: 2024-10-25T14:24:48.000Z (over 1 year ago)
- Last Synced: 2025-04-12T02:37:35.310Z (about 1 year ago)
- Language: Python
- Size: 104 KB
- Stars: 6
- Watchers: 7
- Forks: 6
- Open Issues: 0
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Metadata Files:
- Readme: README.md
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README
Data on interest rate and risk (default rates) at ZOPA, the peer-to-peer marketplace for money.
### Data
Downloaded directly from ZOPA's website (see home page url).
* Expected Lifetime Bad Debt Rate - the prediction for bad debt in the lifetime of the loan per market
* Expected Annual Bad Debt Rate - the prediction for bad debt, annualised to determine impact on annual return
* Loan Value in Market - the total value of loans within each market
* Loans in Arrears - the value of loans currently going through the arrears collections process - these may reduce with borrower payments
* Defaults and arrears: assumes 50% of arrears are recovered
* Defaulted Loans - the value of loans that have gone through the arrears collection process, and have now been purchased by our collections agency
Bad debt rates for all time are estimated ('expected').
### Openness: Open (?)
Data is publicly available on their website and no explicit restrictions are stated but there is also no explicit license.