This study analyses a portfolio of 150 personal and business loans disbursed between January 2023 and June 2024 at a digital micro-lending institution operating across eight Nigerian states. The core business question is: What borrower and loan characteristics predict default risk, and how can the credit team use these insights to price loans more accurately and reduce non-performing loan (NPL) rates?

Aquest informe analitza les dades dels llocs Patrimoni de la Humanitat de la UNESCO de l'any 2025. L'objectiu és estudiar aquestes dades amb R i presentar els resultats amb gràfics, mapes i una anàlisi de text.

A change to the autism data, just added the top genes with gene IDs to the pathology database with gene summary pasted to the study summary before adding to the Tableau dashboard of non-EBV associated pathologies to compare across pathologies.

This is my attempt at solving the puzzle published in the May/June 2026 issue of Contingencies.