Dataset: Bondora P2P Loans Outdated

About this Dataset

Bondora P2P Loans Outdated

Peer-to-peer (P2P) lending has gained significant attention as an alternative to traditional banking, offering a direct connection between borrowers and lenders. The industry has seen rapid growth, especially in the U.S. and Europe, due to the increasing acceptance of online business models and supportive regulations.

For investors, P2P lending provides an opportunity to diversify portfolios and enhance returns by investing in a proven asset class. However, the uncollateralized nature of these loans presents a default risk, making it crucial for lenders to minimize risks while maximizing returns.

This dataset offers valuable insights for building and analyzing credit risk models, featuring data from a leading European P2P lending platform, Bondora. It includes demographic and financial information on borrowers and loan transactions starting at February 2009.

Tables

Loandata

@kaggle.marcobeyer_bondora_loans.loandata

75.77 MB
389970 rows
112 columns


CREATE TABLE loandata (
  "reportasofeod" TIMESTAMP,
  "loanid" VARCHAR,
  "loannumber" BIGINT,
  "listedonutc" TIMESTAMP,
  "biddingstartedon" TIMESTAMP,
  "bidsportfoliomanager" BIGINT,
  "bidsapi" DOUBLE,
  "bidsmanual" DOUBLE,
  "partyid" VARCHAR,
  "newcreditcustomer" BOOLEAN,
  "loanapplicationstarteddate" TIMESTAMP,
  "loandate" TIMESTAMP,
  "contractenddate" TIMESTAMP,
  "firstpaymentdate" TIMESTAMP,
  "maturitydate_original" TIMESTAMP,
  "maturitydate_last" VARCHAR,
  "applicationsignedhour" BIGINT,
  "applicationsignedweekday" BIGINT,
  "verificationtype" DOUBLE,
  "languagecode" BIGINT,
  "age" BIGINT,
  "dateofbirth" VARCHAR,
  "gender" DOUBLE,
  "country" VARCHAR,
  "appliedamount" DOUBLE,
  "amount" DOUBLE,
  "interest" DOUBLE,
  "loanduration" BIGINT,
  "monthlypayment" DOUBLE,
  "county" VARCHAR,
  "city" VARCHAR,
  "useofloan" BIGINT,
  "education" DOUBLE,
  "maritalstatus" DOUBLE,
  "nrofdependants" VARCHAR,
  "employmentstatus" DOUBLE,
  "employmentdurationcurrentemployer" VARCHAR,
  "employmentposition" VARCHAR,
  "workexperience" VARCHAR,
  "occupationarea" DOUBLE,
  "homeownershiptype" DOUBLE,
  "incomefromprincipalemployer" DOUBLE,
  "incomefrompension" DOUBLE,
  "incomefromfamilyallowance" DOUBLE,
  "incomefromsocialwelfare" DOUBLE,
  "incomefromleavepay" DOUBLE,
  "incomefromchildsupport" DOUBLE,
  "incomeother" DOUBLE,
  "incometotal" DOUBLE,
  "existingliabilities" BIGINT,
  "liabilitiestotal" DOUBLE,
  "refinanceliabilities" BIGINT,
  "debttoincome" DOUBLE,
  "freecash" DOUBLE,
  "monthlypaymentday" BIGINT,
  "activeschedulefirstpaymentreached" BOOLEAN,
  "plannedprincipaltilldate" DOUBLE,
  "plannedinteresttilldate" DOUBLE,
  "lastpaymenton" TIMESTAMP,
  "currentdebtdaysprimary" DOUBLE,
  "debtoccuredon" TIMESTAMP,
  "currentdebtdayssecondary" DOUBLE,
  "debtoccuredonforsecondary" TIMESTAMP,
  "expectedloss" DOUBLE,
  "lossgivendefault" DOUBLE,
  "expectedreturn" DOUBLE,
  "probabilityofdefault" DOUBLE,
  "defaultdate" TIMESTAMP,
  "principaloverduebyschedule" DOUBLE,
  "plannedprincipalpostdefault" DOUBLE,
  "plannedinterestpostdefault" DOUBLE,
  "ead1" DOUBLE,
  "ead2" DOUBLE,
  "principalrecovery" DOUBLE,
  "interestrecovery" DOUBLE,
  "recoverystage" DOUBLE,
  "stageactivesince" VARCHAR,
  "modelversion" DOUBLE,
  "rating" VARCHAR,
  "el_v0" DOUBLE,
  "rating_v0" VARCHAR,
  "el_v1" DOUBLE,
  "rating_v1" VARCHAR,
  "rating_v2" VARCHAR,
  "status" VARCHAR,
  "restructured" BOOLEAN,
  "activelatecategory" VARCHAR,
  "worselatecategory" VARCHAR,
  "creditscoreesmicrol" VARCHAR,
  "creditscoreesequifaxrisk" VARCHAR,
  "creditscorefiasiakastietoriskgrade" VARCHAR,
  "creditscoreeemini" DOUBLE,
  "principalpaymentsmade" DOUBLE,
  "interestandpenaltypaymentsmade" DOUBLE,
  "principalwriteoffs" DOUBLE,
  "interestandpenaltywriteoffs" DOUBLE,
  "principalbalance" DOUBLE,
  "interestandpenaltybalance" DOUBLE,
  "noofpreviousloansbeforeloan" DOUBLE,
  "amountofpreviousloansbeforeloan" DOUBLE
);