RahaFoorum now also available in English
After several requests to post some of my blogs posts in English, I have decided to have a go at it and create at least some posts in English also. I would have suggested using Google Translate, but...
View ArticleBondora timeline of changes and returns
There have been a large amount of changes at Bondora over time and I bet no-one really remembers all of them and when they happened. Of course, knowing most of them won’t give you any actionable value...
View ArticleWhen do most defaults happen at Bondora?
Knowing when the majority of the loans default, can give you a good idea on how well your portfolio or some portion of the platform portfolio is performing. In addition, if you know what proportion of...
View ArticleWould you invest into a 20% default rate loan group?
This blog post is part of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see on...
View ArticleThe time element in default rate calculations
This blog post is part of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see on...
View ArticleInitial defaults vs current default rate
This blog post is part 3 of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see...
View ArticleComparing apples with oranges – mistakes with analyses
This blog post is part 3 of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see...
View Article16 tactics and strategies for P2P-lending
Few months ago I got this idea of putting together a Reference Guide of different tactics and strategies that investors can use with their P2P-lending investments. I have been working on this as a side...
View ArticleExposure at default and return on investment
This blog post is part 3 of a “Beyond the default rate” series, which investigates what the default rate actually means, how it affects you and why you should know more than simply the number you see...
View ArticlePerformance of Bondora Rating in 2014 (analysis)
This is a more thorough post with explanations about what I did and what I looked at in different steps of the analyses. If statistics and data analysis is not your strong side, there is also a...
View ArticlePerformance of Bondora Rating in 2014 (simplified)
This is the simplified version of the results and conclusions I did on the Bondora Rating for loans issued in 2014. A more thorough post with explanations about what I did and what I looked at in...
View ArticleBondora Rating has outperformed expectations?
Important! If you find some mistake in the analysis or logic here, let me know in the comments below so I can deal with it. CONSTRUCTIVE criticism and feedback is welcome and encouraged. Key takeaways...
View ArticleBondora default rates and other statistics
Disclaimer: I ran most of the calculations in one long session so can’t really guarantee that all data is entirely 100% accurate and free of any accidental mistakes with filtering or whatnot. Before...
View ArticleBondora default curves per year and Rating
In the comments of a previous post Jan asked if I’ve done any analyses on the timing of when defaults happen. I did one back in October of 2014, but that could be relatively outdated and there’s a lot...
View ArticleIs Bondora giving away your money?
NB! Bondora has released some additional details in regards to the process. Last updated 26.03.2016 8 AM. Relevant sections have been marked accordingly. Since the information available is far from...
View ArticleHow to decide if the DCA deal is good?
IN SHORT: The percentage of actual 7+ days overdue CASES that end up defaulting, is roughly around 23%. This is the number you actually should be looking at when figuring out the costs. With current...
View ArticleStats according to Bondora
Back in December 2015 I analyzed some 2014 loans (inspired by Bondora’s own similar earlier analysis) and concluded that the Bondora Rating applied on those loans had significantly misjudged the...
View ArticleBondora Rating and portfolio performance – quite terrible?
In short: Bondora has offered subpar returns in 2014, 2015, 2016 and 2017. At the same time, risks have been very high. In several segments the pretax returns are negative. Returns for 2014-2016 are...
View ArticleBondora Stats Crash Course #1: Recovery Rate
Bondora provides a ton of data and statistics for investors. However, this can easily lead to overwhelm and confusion. I will attempt to shed some light and provide helpful clarifications on some of...
View ArticleBondora Stats Crash Course #2: Cash on Cash Returns
Bondora provides a ton of data and statistics for investors. However, this can easily lead to overwhelm and confusion. I will attempt to shed some light and provide helpful clarifications on some of...
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