I find it interesting that there aren't any obvious correlates of race coming out of this analysis.
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It's quite possible they did and the authors just didn't highlight them. If I were a professor I'd certainly bury that lede. Incidentally here are slides for the talk where I cited that paper. Other papers with other characteristics are cited: https://www.chrisstucchio.com/pubs/slides/loans_for_ladies.pdf …
End of conversation
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oh man. I put about $200 into Prosper when I was in high school, set the "auto-loan" filter on, then found out an hour later I'd donated to fund a Christian rock album. Oops.
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I can tell you based on personal experience lending to who can't get a loan from the bank, there's a reason
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