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3 The Data. Regulatory Variation within the Data. Variable Definitions

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3 The Data. Regulatory Variation within the Data. Variable Definitions

The information in this paper had been given by a big, anonymous payday loan provider and comprise of all of the loans created by this loan provider in 26 states between January 2007 and August 2012. Figure 1 maps the continuing states contained in the information. The information have no demographic details about borrowers, but loans designed to the exact same debtor could be connected across some time location. The road target associated with the storefront of which the mortgage ended up being made is famous. All dimensions are included by the data of this loan agreement, in addition to its payment history. The financial institution makes no direct online loans, though it relates clients to online lending affiliates through its site. The dataset contains just straight made storefront loans. Read more