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10-10-2018, 09:12 AM
#3801
Thanks 777
Originally Posted by 777
What data do you want? I can send in the report as produced by Harmoney if that would help.
Yes 777, that is the one. As Myles has written : From the main Harmoney dashboard select [REPORTS] across the top and when the [Lending] page comes up you should see a big blue [Export] button above the counter on the right. When you click on that you'll get an email shortly after (could be 10 minutes) with a csv file attached. Just download that csv file (something like orders-report-1234567890-123456.csv) and rename it to just orders.csv. Then select the Drop Box link from my original post and follow those detail to upload the orders.csv file.
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10-10-2018, 09:15 AM
#3802
Originally Posted by Cool Bear
I find that when analysing defaults, it is better to leave out all recent loans as they will lower the actual default rates. Based on my loans, the average time from date of loan to default is just over 13 months. The median is just short of 12 months. So my suggestion to Myles is to (in addition to the main set of graphs), also do one set (relating to defaults) ignoring all loans less than (say) 12 months old.
Perhaps the date of the most recent default as cutoff would be better, instead of say 12 months. I have had noticeable defaults in the <12 month period. By the way, thanks for sharing your dataset too, Cool Bear.
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10-10-2018, 09:18 AM
#3803
Originally Posted by RMJH
Thanks Myles. Data should be in Dropbox now.
Thanks RMJH.
Thanks leesal, and also thanks to all the data contributors. 20,000 unique records could very well be 95% of the Harmoney loan universe.
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10-10-2018, 09:35 AM
#3804
Originally Posted by beacon
Yes 777, that is the one. As Myles has written : From the main Harmoney dashboard select [REPORTS] across the top and when the [Lending] page comes up you should see a big blue [Export] button above the counter on the right. When you click on that you'll get an email shortly after (could be 10 minutes) with a csv file attached. Just download that csv file (something like orders-report-1234567890-123456.csv) and rename it to just orders.csv. Then select the Drop Box link from my original post and follow those detail to upload the orders.csv file.
Uploaded last night.
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10-10-2018, 09:41 AM
#3805
Originally Posted by beacon
20,000 unique records could very well be 95% of the Harmoney loan universe.
My bad! Harmoney universe has had 47,000+ unique loans to date. So, we might be shy of 50% of the universe, but still statistically very significant numbers.
Thanks 777
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10-10-2018, 10:23 AM
#3806
yeah, nah
Just a quick update on numbers - new uploads aren't adding too many new records which is a good sign:
Unique Loans: 20446 (First dated: 2014-10-29)
Raw Loans: 32494
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10-10-2018, 10:43 AM
#3807
Member
Originally Posted by myles
Just a quick update on numbers - new uploads aren't adding too many new records which is a good sign:
Unique Loans: 20446 (First dated: 2014-10-29)
Raw Loans: 32494
What loan ID was on 2014-10-29? Must be very low
2015-31-01 was LAI-00009718
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10-10-2018, 01:18 PM
#3808
Member
Originally Posted by leesal
Are you able to generate default rate by cohort(6 monthly)/and grade ? And same thing for early repayments.
Myles, by 6 monthly cohort (sorted by grade) would be fantastic if you can spare the time to do it. Thanks a million for doing this. CB
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10-10-2018, 01:19 PM
#3809
Originally Posted by humvee
What loan ID was on 2014-10-29? Must be very low
2015-31-01 was LAI-00009718
My earliest filled loan was 5531 issued on 30/10/14. I had an earlier numbered at 5493 but it did not get filled until 24/12/18.
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10-10-2018, 04:32 PM
#3810
yeah, nah
Originally Posted by Cool Bear
Myles, by 6 monthly cohort (sorted by grade) would be fantastic if you can spare the time to do it. Thanks a million for doing this. CB
This will be a very 'wide' graph. Are you wanting by grade as in A, B,...F (50 bars) or as in grade A1, A2,...F5 (300 bars)?
Perhaps it needs to be plotted differently (just a line graph)?
Will wait till the combined data comes together and then have a look.
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