Due to many variables in this dataset, I only use 12 variables. Those are:

## Univariate Plot Section

``````##     Min.  1st Qu.   Median     Mean  3rd Qu.     Max.
##  0.00000  0.00000  0.00000  0.04228  0.00000 39.00000``````
``````##
##     0     1     2     3     4     5     6     7     8     9    14    16
## 87862  2438   403    78    23     8     3     3     2     5     1     2
##    21    24    39
##     1     1     1``````

Recommendations: Number of recommendations.

This is the number of recommendations that Borrowers have when listing the loans. We can see that the number of the recommendations is right skewed, with the mean 0.04, which in average borrower doesn’t has many number of recommendations. And it goes as high as 39 recommendations for just one borrower.

I choose histogram as the chart as it depict the distribution of numerical variable. Since this is right skewed, I log scale the number of recommendations.

Rate: The Borrower’s interest rate for this loan.

The borrower’s rate follow almost unimodal distribution, with peak around 0.16. There’s spike occurs, around 0.3, but doesn’t make enough to be second peak.

``````##
##     1     2     3     4     5     6     7
##  5487  7521 10839 15224 12633 11081  4151``````

Rating : The Prosper Rating assigned at the time the listing was created between AA - HR. Applicable for loans originated after July 2009.

The Rating could also be null, if the Prosper system can’t rate the loan. And about 29084 loans can’t rated by Prosper, which means that the loans originated before July 2009. The number of rating almost follow the order of the rating, except A-grade is the highest number of rating, AA comes second, and the rest following the order.

``````##
##     0     1     2     3     4     5     6     7     8     9    10    11
## 14398 47562  5242  5406  1851   561  1738  7903   150    64    76   179
##    12    13    14    15    16    17    18    19    20
##    44  1602   746  1117   253    41   669   597   632``````

Category: The category of the listing that the borrower selected when posting their listing: 0 - Not Available, 1 - Debt Consolidation, 2 - Home Improvement, 3 - Business, 4 - Personal Loan, 5 - Student Use, 6 - Auto, 7- Other, 8 - Baby&Adoption, 9 - Boat, 10 - Cosmetic Procedure, 11 - Engagement Ring, 12 - Green Loans, 13 - Household Expenses, 14 - Large Purchases, 15 - Medical/Dental, 16 - Motorcycle, 17 - RV, 18 - Taxes, 19 - Vacation, 20 - Wedding Loans

I choose Bar Chart for this Listing Category since this is categorical variable. Out of the listing category, three categories comes out the highest past 10.000 loans. There’s N/A and Other categories, so we can’t know for sure the specific category. But the highest is 1, which is Debt Consolidation, where’s one take out a loan to pay many others. This comes really high with 58308 loans, overshadowing the rest of the categories. It could be that many Prosper visitors comes with already have loans, and want to search some loans to pay for it.

``````## False  True
## 45292 45539``````

Homeowner: A Borrower will be classified as a homowner if they have a mortgage on their credit profile or provide documentation confirming they are a homeowner.

When looking at the loan that’s been listed, we see that borrower that is home owner is around equal proportion to those who do not. So it’s not affecting much.