Thus, we have longer series in the data covering 2009-2019 for loans originated near the start of that time period Figure 4 is a further illustration of the phenomenon of non-repayment similar to Figure 2. In this case, years refer to the loan’s origination year (its vintage), and the horizontal axis tracks the years since … Continue reading Thus, we have longer series in the data covering 2009-2019 for loans originated near the start of that time period
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