Создан заказ №4156944
27 июля 2019
Построить финансовую модель в excel, PL, выбрать наилучший вариант финансового продукта
Как заказчик описал требования к работе:
Задание на английском языке
We decided to enter a new market with a new product: online micro-loans for students. But we faced
difficulty in defining which product to offer.
Following is the list of known facts or hypothesis:
to get a new visitor to the website will cost $0,5
conversion rate fr
om a visitor to a loan application for new clients forecasted to be 10%
to get an existing client (those who got from us and repaid at least one loan) back to our website
will cost $0,05
conversion rate from visiting the website to a loan application for existing clients forecasted to
be 70%
scoring cost (cost of requests to various data providers about a client) of a single application is
$5
approval rate (conversion from an application to a loan) for new clients assumed to be 15%
approval rate for existing clients assumed to be 75%
processing cost (for money transfer) when issuing money to a client is 2% of the amount
processing cost when receiving money from a client is 0% of the amount
for simplicity sake let’s split all clients into two groups: those who repay in full and those who
repay nothing (call it – non-performing loans). Share of NPLs is supposed to be 30% for new
clients and 10% for existing clients.
funding cost (we got money we issue from other places – e.g. banks – and we pay interest for
the money borrowed) is 20% yearly
a client may have only one (or no) loan with us at any given time
We are thinking of two product options:
Product A:
loan amount is $250
loan period is 30 days
daily interest rate is 2% (or 365*2%=730% yearly)
single repayment at the end of the period
Product B:
loan amount is $1000
loan period is 3 months
monthly interest rate is 19,5% (or 12*19,5%=234% yearly)
repayment in 3 equal installments after 1st, 2nd and 3rd months
We’d appreciate if you could model lending businesses based on both products, run the numbers and
tell us which product (if any) is more preferable and why. In case you lack any data for your analysis you
may assume it at your discretion.
Please also advise if you see any areas of improvement of this lending business.
Take into account the following:
the task is not just to calculate revenue and cost per single loan, but to model the lending
business assuming a certain inflow of leads and taking into account the growth of the client
base.
lending business should be solely based on only one of the products.
existing clients only appear from new clients after their first loan repayment
подробнее
Заказчик
заплатил
заплатил
20 ₽
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Гарантия сервиса
Автор24
Автор24
20 дней
Заказчик принял работу без использования гарантии
28 июля 2019
Заказ завершен, заказчик получил финальный файл с работой
5
Построить финансовую модель в excel, PL, выбрать наилучший вариант финансового продукта.jpg
2019-07-31 16:45
Последний отзыв студента о бирже Автор24
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5
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Работа была выполнена на отлично и даже, раньше срока) Рекомендую данного автора, очень понравился)
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