full transcript
"From the Ted Talk by Shivani Siroya: A smart loan for people with no credit history (yet)"

Unscramble the Blue Letters

And here's what we saw. So, bad news first. jnipheer had a low savings balance and no previous loan history. These are factors that would have thrown up a red flag to a traditional bank. But there were other points in her history that showed us a much richer picture of her potential. So for one, we saw that she made regular pnohe calls to her family in Uganda. Well, it turns out that the data shwos a four percent ienscrae in repayment among people who consistently communicate with a few close contacts. We could also see that though she tavrleed around a lot throughout the day, she actually had pretty regular trvael patterns, and she was either at home or at her food stlal. And the data shows a six percent increase in repayment among customers who are consistent with where they spend most of their time.

Open Cloze

And here's what we saw. So, bad news first. ________ had a low savings balance and no previous loan history. These are factors that would have thrown up a red flag to a traditional bank. But there were other points in her history that showed us a much richer picture of her potential. So for one, we saw that she made regular _____ calls to her family in Uganda. Well, it turns out that the data _____ a four percent ________ in repayment among people who consistently communicate with a few close contacts. We could also see that though she ________ around a lot throughout the day, she actually had pretty regular ______ patterns, and she was either at home or at her food _____. And the data shows a six percent increase in repayment among customers who are consistent with where they spend most of their time.

Solution

  1. travel
  2. traveled
  3. increase
  4. phone
  5. stall
  6. jenipher
  7. shows

Original Text

And here's what we saw. So, bad news first. Jenipher had a low savings balance and no previous loan history. These are factors that would have thrown up a red flag to a traditional bank. But there were other points in her history that showed us a much richer picture of her potential. So for one, we saw that she made regular phone calls to her family in Uganda. Well, it turns out that the data shows a four percent increase in repayment among people who consistently communicate with a few close contacts. We could also see that though she traveled around a lot throughout the day, she actually had pretty regular travel patterns, and she was either at home or at her food stall. And the data shows a six percent increase in repayment among customers who are consistent with where they spend most of their time.

ngrams of length 2

collocation frequency
credit scores 4
percent increase 3
food stall 3
data shows 3
data points 3

Important Words

  1. bad
  2. balance
  3. bank
  4. calls
  5. close
  6. communicate
  7. consistent
  8. consistently
  9. contacts
  10. customers
  11. data
  12. day
  13. factors
  14. family
  15. flag
  16. food
  17. history
  18. home
  19. increase
  20. jenipher
  21. loan
  22. lot
  23. news
  24. patterns
  25. people
  26. percent
  27. phone
  28. picture
  29. points
  30. potential
  31. pretty
  32. previous
  33. red
  34. regular
  35. repayment
  36. richer
  37. savings
  38. showed
  39. shows
  40. spend
  41. stall
  42. thrown
  43. time
  44. traditional
  45. travel
  46. traveled
  47. turns
  48. uganda