The middle-income earners and fewer income earners repay their loans more than is the case with those who are earning more as revealed by the analyzed information. The ratio is 3: 4, giving the implication that, for every 3 people who are middle-income earners who default, 4 people earning high-income default and so the bank ought to be cautious on the high-income earners and prioritize those who are middle-income earners (DeGroot, Schervish, 2002, Pg.133).
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