novascotia-ca/annual-payday-loan-data-5r5j-xye7
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Updated over 1 year ago
‧
Indexed 11 months ago

Annual Payday Loan Data

Annual aggregate data on payday loans granted in Nova Scotia as reported by lenders. Data includes information on total loans granted, average size of loans, and information on defaults and repeat lending.

Querying over HTTP

Splitgraph serves as an HTTP API that lets you run SQL queries directly on this data to power Web applications. For example:

curl https://data.splitgraph.com/sql/query/ddn \
    -H "Content-Type: application/json" \
    -d@-<<EOF
{"sql": "
    SELECT *
    FROM \"novascotia-ca/annual-payday-loan-data-5r5j-xye7\".\"annual_payday_loan_data\"
    LIMIT 100 
"}
EOF

See the Splitgraph documentation for more information.

 
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Upstream Metadata
Detailed MetadataLanguageengFrequencyAnnuallyDepartmentService Nova ScotiaTime Period Coverage2010-07-01/2023-06Usage ConsiderationsCurrent as of January 15, 2024. The data for 2014-15 is not comparable to the data for other years in the data set as data on a significant number of loans was not reported due to the exit of a large lender. The data for 2010-11 and 2011-12 is not available as it was not required to be reported during the applicable reporting period. Number of Loans Granted – The total number of all loans made during the year, whether collected or not. Average Size of Loans Granted – The average size of loans granted, calculated according to the following formula: Average Size of Loans Granted=(Total Value of All Loans Granted)/(Number of Loans Granted) Where the Total Value of All Loans Granted is the total dollar amount of the principal of all loans made during the year. Principal is the net proceeds from the loan that is paid to or advanced to or on behalf of the borrower but does not include any of the charges or fees that represent the cost of the credit to the borrower or any default fees charged because a payment is not honoured or is made late; and Where the Number of Loans Granted has the same meaning as above. Number of Loans Defaulted – The total number of all defaulted loans (loans where the borrower did not meet the repayment provisions(s) of the loan agreement) made during the year, regardless of whether or not the borrower eventually repaid the loan. Average Size of Loans Defaulted – The average size of loans defaulted, calculated according to the following formula: Average Size of Loans Defaulted=(Total Value of All Loans Defaulted)/(Number of Loans Defaulted) Where the Total Value of All Loans Defaulted is the total amount (principal only) of all defaulted loans (loans where the borrower did not meet the repayment provision(s) of the loan agreement) made during the year, regardless of whether or not the borrower eventually repaid the loan; and Where Number of Loans Defaulted has the same meaning as above. Number of Borrowers Who Have Been Granted More Than One Loan – The total number of individual borrowers that were granted more than one loan during the year. Number of Repeat Loans Granted – The total number of loans made during the year which were granted to a borrower within 24 hours of repayment of a prior loan granted to them. Total Number of Borrowers Who Have Been Granted Repeat Loans – The total number of borrowers who were granted a loan within 24 hours of repayment of a prior loan granted to them. Total Number of Borrowers Who Have Been Granted Repeat Loans, for the Following Number of Times: 1 Time – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan one time over the course of the year. 2 Times – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan twice over the course of the year. 3 Times – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan three times over the course of the year. 4 Times – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan four times over the course of the year. 5 Times – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan five times over the course of the year. 6 Times – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan six times over the course of the year. 7 Times – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan seven times over the course of the year. 8 or More Times – The number of borrowers who were granted a loan within 24 hours of repayment of a prior loan eight times or more over the course of the year.Geographic Region NameNova Scotia

About

Annual Payday Loan Data
over 1 year ago (updated)
11 months ago (indexed)
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Topics

  • payday loans

Source

  • Open Data Nova Scotia - Annual Payday Loan Data

License

Nova Scotia Open Government Licence