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Loans

The data model includes attributes such as loan initiation date, transaction processing date, interest amount, payment due date, interest calculation start date, account statement generation date, period difference, period days count, accrued interest, total interest amount, and last payment details. Views encompass trend analysis on loan approval rates, credit risk assessment, customer segmentation, loan performance dashboard, profitability analysis, compliance monitoring, marketing campaign tracking, operational efficiency dashboard, and portfolio diversification analysis.

Benefits of This Data Model​

  • Improved monitoring: Enhances the ability to track key metrics like delinquency rate and repayment trends for better loan performance oversight.
  • Risk Identification: Facilitates the identification of potential risks associated with loan applicants for minimizing defaults through credit risk assessment.
  • Profitability Evaluation: Enables the evaluation of the profitability of various loan products and customer segments for informed decision-making.
  • Operational Efficiency: Allows for monitoring operational metrics such as loan processing time and resource utilization to optimize efficiency.
  • Portfolio Diversification Analysis: Assists in assessing the distribution of loan investments across different sectors to mitigate risks effectively.

Key Performance Indicators (KPIs)​

  • DATE DE DEBUT: The date when the loan agreement was initiated.
  • DATE OPERATION: The date when the loan transaction was processed.
  • INTERETS: The interest amount associated with the loan.
  • DATE DE PAIEMENT: The date when the loan payment is due.
  • DATE DEBUT INTERETS: The date when the interest calculation starts.
  • DATE D'ARRETÉ: The date when the loan account statement is generated.
  • Différence Période: The difference in period between two dates within the loan operation.
  • Nombre de Jours de la Période: The number of days within the specified period.
  • Intérêts Courrus: The accrued interest amount on the loan.
  • Montant Total Interets: The total amount of interest accrued on the loan.
  • Dernier_Paiement: The details of the last payment made towards the loan.

Available Visualisations​

View NameDescription
Analytical reportProvides trend analysis on loan approval rates and portfolio performance.