loan file from panel each row is a loan with unique start month, end month, and lender type.
Source:R/data-res.R
tstm_loans_pn_nd.Rdnon-duplicate loan as unit of observation file with loan term, dates, categorization, summarized from tstm_loans_panel, including aggregated loan principal and interest information from individual loans with identical dates and lender type.
Format
loan dataframe with various loan attributes
- hhid_num
household id
- hh_loan_id
loan id, individual-hh-specific loan id
- hh_loan_id_nd
non-duplicate loan id, sequential for all loans
- loan_start
loan start month
- loan_end
loan end month
- number_indi_loan
number of individual loans combined to generate this non-duplicate loan
- forinfm4
name of categorical variable defining loan group types
- loan_principal_interest
loan principal and interests aggregating over individual loans with the same dates and lender type
- loan_principal
loan_principal_interestbut without interests- loan_principal_last
Last month of principal repayment in loan panel
- loan_interest_monthly
Compounding monthly interest rate given aggregated interests and principals,
loan_interest_monthly = (((loan_principal_interest)/loan_principal)^(1/(loan_end - loan_start + 1)) - 1), given identicalland_endandloan_startfor loans combined.
Source
Regenerated by
vignettes/ffv_invest_loan_bridge.qmd
via ffp_hfid_invest_loan_linked_abc_investloan_char_gateway()
(PrjThaiHFID-#32).
Set bl_replace_data_output <- TRUE in the vignette to overwrite data/*.rda.
MBF filters: investment months 14–144, fl_min_invest_size = 10000,
ar_st_vars_to_keep = c("agg_BS_1021", "agg_BS_1012", "agg_BS_1011").
Packaged inputs: tstm_loans_panel, tstm_asset_loan (see ?tstm_loans_panel).
Group A (loan hooks/bridges): built from tstm_loans_panel inside the gateway.
See also issue-24.
Details
this is the non-duplicate loan file (one row per unique loan by lender type and dates). we use this non-duplicate file as the basis for hook and bridge analysis.
Examples
data(tstm_loans_pn_nd)
ffp_preview_dataset(tstm_loans_pn_nd)
#>
#> ── tstm_loans_pn_nd ────────────────────────────────────────────────────────────
#> Dimensions: 19587 rows × 10 columns(1.3 Mb)
#>
#> ── Column names (10) ──
#>
#> • 1. hhid_Num
#> • 2. hh_loan_id_nd
#> • 3. loan_start
#> • 4. loan_end
#> • 5. number_indi_loan
#> • 6. forinfm4
#> • 7. loan_principal_interest
#> • 8. loan_principal
#> • 9. loan_principal_last
#> • 10. loan_interest_monthly
#>
#> ── Summary statistics (all variables) ──
#>
#> hhid_Num hh_loan_id_nd loan_start loan_end
#> Min. :1003 Min. : 1 Min. : 0.0 Min. : 0.00
#> 1st Qu.:3043 1st Qu.: 4898 1st Qu.: 46.0 1st Qu.: 59.00
#> Median :5334 Median : 9794 Median : 77.0 Median : 90.00
#> Mean :5396 Mean : 9794 Mean : 78.3 Mean : 91.44
#> 3rd Qu.:7651 3rd Qu.:14690 3rd Qu.:113.0 3rd Qu.:127.00
#> Max. :9996 Max. :19587 Max. :160.0 Max. :160.00
#>
#> number_indi_loan forinfm4 loan_principal_interest loan_principal
#> Min. : 1.000 Length :19587 Min. : 0 Min. : 63
#> 1st Qu.: 1.000 N.unique : 4 1st Qu.: 3500 1st Qu.: 5000
#> Median : 1.000 N.blank : 0 Median : 11880 Median : 15000
#> Mean : 1.069 Min.nchar: 8 Mean : 29464 Mean : 30694
#> 3rd Qu.: 1.000 Max.nchar: 15 3rd Qu.: 25000 3rd Qu.: 28000
#> Max. :11.000 Max. :13160000 Max. :7000000
#> NAs :4
#> loan_principal_last loan_interest_monthly
#> Min. : 0 Min. :-1.000000
#> 1st Qu.: 2000 1st Qu.: 0.000000
#> Median : 10000 Median : 0.004492
#> Mean : 20904 Mean :-0.054297
#> 3rd Qu.: 20000 3rd Qu.: 0.007417
#> Max. :2000000 Max. : 1.040000
#> NAs :4
#> ── Sample rows (first 6) ──
#>
#> # A tibble: 6 × 10
#> hhid_Num hh_loan_id_nd loan_start loan_end number_indi_loan forinfm4
#> <int> <int> <dbl> <dbl> <int> <chr>
#> 1 1003 1 1 8 2 Informal
#> 2 1003 2 1 10 1 Quasi-formal
#> 3 1003 3 2 3 1 Informal
#> 4 1003 4 3 8 1 Informal
#> 5 1003 5 9 26 1 Informal
#> 6 1003 6 10 22 1 Quasi-formal
#> # ℹ 4 more variables: loan_principal_interest <dbl>, loan_principal <dbl>,
#> # loan_principal_last <dbl>, loan_interest_monthly <dbl>