We analyze consumer defaults in a sample of 64 000 customers taking personal loans from a Korean bank. Applying a generalized additive modeling (GAM) framework, we show a nonlinear impact of loan and ...
Vanja Dukić, Mary Hayden, Abudulai Adams Forgor, Tom Hopson, Patricia Akweongo, Abraham Hodgson, Andrew Monaghan, Christine Wiedinmyer, Tom Yoksas, Madeleine C. Thomson, Sylwia Trzaska and Raj Pandya ...
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