What borrower or loan characteristics (or factors) are associated with loan repayment?

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Required:
Imagine you are the accounting data analyst for Lending Club. You are given the task of developing a diagnostic model of loan repayment as part of the loan approval process. Using a Lending Club dataset and the AMPS model, prepare and clean the data, choose appropriate explanatory variables, run appropriate analysis, and report the results to management. By more clearly understanding the link between initial loan approvals and ultimate loan repayment, Lending Club will be able to make more intelligent loan approval decisions.
Ask the Question: What borrower or loan characteristics (or factors) are associated with loan repayment?


If Lending Club can answer this question, it will help the company determine who should or should not receive a loan in the future. It may also help predict the risk associated with the loan, which will influence the interest rate it should charge (because, all other things equal, the higher the risk of repayment, the higher the loan interest rate for the borrower).
By extension, understanding the borrower or loan characteristics for the repayment of loans and/or accounts receivable is important to any company extending credit.
Master the Data: This real-world data set for this analysis comes from Lending Club. Lending Club provides a summary dataset of the loans extended to borrowers since 2007.

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