Cashflow Analysis
- Philip Awopetu
This is a collection of variables associated with the customer’s Cash flow analysis.
Variable Name | Type | Description |
|---|---|---|
accountActivity |
| The percentage of days in which there are either any credit or debit transactions within the account statement period. Bank or tax charges transactions are excluded. |
averageBalance |
| The customer's average account balance within the statement period. |
averageCredits |
| The average amount of all credit transactions within the statement period. |
averageDebits |
| The average amount of all debit transactions within the statement period. |
closingBalance |
| The balance at the end of the statement. |
firstDay |
| The first day of the bank statement. |
lastDay |
| The last day of the bank statement. |
monthPeriod |
| The transaction duration indicated using the |
netAverageMonthlyEarnings |
| The monthly average of the total income left in the account less borrowing (loans), sweeping, bills and utilities, charges, expenses, etc. |
noOfTransactingMonths |
| The number of months within the statement. |
totalCreditTurnover |
| The total amount of money received within the duration of the bank statement. |
totalDebitTurnover |
| The total amount of debit transactions within the duration of the bank statement. |
yearInStatement |
| The year of the bank statement. |
MaxMonthlyRepayment |
| The maximum recommended amount to lend to the applicant. |
averageMonthlyCredit |
| The mean of credit transactions per month. |
totalMonthlyCredit |
| The breakdown of the monthly sum of credit amount within the statement. |
affordability |
| The free cashflow available for loan repayments. |
averageMonthlyDebit |
| The average amount of monthly debits within the statement. |
creditCount |
| The total number of credit transactions within the statement. |
debitCount |
| The total number of debit transactions within the statement. |
harmonicMeanCR |
| The harmonic mean calculation of all credit transactions within the statement. |
harmonicMeanDR |
| The harmonic mean calculation of all debit transactions within the statement. |
maxEmiEligibility |
| The recommended monthly repayment amount for a period of 9 months. |
openingBalance |
| The balance amount on the first day within the statement. |
totalMonthlyDebit |
| The breakdown of the monthly sum of debit amount within the statement. |