• Day 1 - Getting started
• Day 2 - Functions & Spark
• Day 3 - Tidyverse
• Day 4 - Plotly
• Day 5 - Shiny Introduction
• Day 6 - Reactivity
• Day 7 - Modules
• Day 8 - Shiny Project

• Why R?
• Installing R
• Cloning git repo
• Installing Packages
• Finding Help

• Go to your internet browser and download R
• Also, download RStudio
• Run the R exe and wait for it to finish installing
• Once done, go ahead and install RStudio

• Go to your internet browser and download Git
• Also, download TortoiseGit
• Install Git and then TortoiseGit

Right-click > Git Clone > https://github.com/gbisschoff/grad-training.git

• To Install packages you can run install.packages("package name")
• Lets try by installing the most important package we will be using later in the course; tidyverse
• Tidyverse is a set of packages that makes data science easy
• install.packages("tidyverse")
• You can also use click Install button on the Packages tab, located on the bottom right

• To find help on a function or package that you have already installed, go to the Help tab on the bottom right and search for a package name or function in the search box
• Alternatively, you can run ??function_name. E.g. ??tidyverse -There are also many 'cheatsheets' available that gives you the need-to-know information on some of the most popular packages. Some can be found under Help > Cheatsheets

Use the Base-r cheatsheet to generate loan data. Each account has:

• id - which is used to identify a specific account (just make it account-1 for now)
• segment - which is randomly generated from (A,B,C)
• start_balance - which is randomly generated between (5000,6000)
• interest_rate - An annual rate randomly generated between (5%,20%) converted to a monthly rate
• n - The term of the loan a fixed 60 months

• calculate the monthly installment as:
  \(pmt=start\_balance\times \frac{r\times(1+r)^n}{(1+r)^n-1}\)
• calculate contractual outstanding balance as:
  \(balance\_contractual_0=start\_balance\times(1+r) - pmt\) \(balance\_contractual_t=balance\_contractual_{t-1}\times(1+r) - pmt\)

• calculate a probability of default term structure as:
  PD<-dlnorm(seq(0.05,3,by = 0.05), meanlog = 0, sdlog = 1, log = FALSE)/6

loop over \(t \subset (1,n)\) and create vectors for:

• a flag to see if the person made the payment as: \(made\_payment_t<-I(1-PD_t \ge U)\)

• actual outstanding balance as:
  \(balance\_actual_0=start\_balance\times(1+r) - pmt\times made\_payment_0\) \(balance\_actual_t=balance\_actual_{t-1}\times(1+r) - pmt\times made\_payment_t\)

See Data > transition_data.csv for example output.