Data on interest rate and risk (default rates) at ZOPA, the peer-to-peer marketplace for money. ### Data Downloaded directly from ZOPA's website (see home page url). * Expected Lifetime Bad Debt Rate - the prediction for bad debt in the lifetime of the loan per market * Expected Annual Bad Debt Rate - the prediction for bad debt, annualised to determine impact on annual return * Loan Value in Market - the total value of loans within each market * Loans in Arrears - the value of loans currently going through the arrears collections process - these may reduce with borrower payments * Defaults and arrears: assumes 50% of arrears are recovered * Defaulted Loans - the value of loans that have gone through the arrears collection process, and have now been purchased by our collections agency Bad debt rates for all time are estimated ('expected'). ### Openness: Open (?) Data is publicly available on their website and no explicit restrictions are stated but there is also no explicit license.