Table 3 Borrowers and default rates by MBTI types in Lending Club
From: A credit scoring model based on the Myers–Briggs type indicator in online peer-to-peer lending
MBTI type | No. of borrowers (%) | No. of Borrowers with charged off [default rate (%)] |
|---|---|---|
ESTJ | 2679 (4.80) | 311 (11.61) |
ESTP | 1319 (2.36) | 165 (12.51) |
ESFJ | 2335 (4.18) | 339 (14.52) |
ESFP | 1663 (2.98) | 209 (12.57) |
ENTJ | 10,142 (18.17) | 1266 (12.48) |
ENTP | 581 (1.04) | 73 (12.56) |
ENFJ | 4616 (8.27) | 560 (12.13) |
ENFP | 1620 (2.90) | 223 (13.77) |
ISTJ | 18,124 (32.47) | 2399 (13.24) |
ISTP | 1010 (1.81) | 110 (10.89) |
ISFJ | 7041 (12.61) | 1001 (14.22) |
ISFP | 989 (1.77) | 136 (13.75) |
INTJ | 574 (1.03) | 65 (11.32) |
INTP | 397 (0.71) | 41 (10.33) |
INFJ | 2085 (3.74) | 317 (15.20) |
INFP | 645 (1.16) | 107 (16.59) |
Mean | 3489 (6.25) | 458 (12.98) |
Total | 55,820 (100.00) | 7322 (13.12) |