https://nscpolteksby.ac.id/ebook/files/Ebook/Accounting/Modeling%2520Structured%2520Finance%2520Cash%2520Flows%2520-%2520Wiley%2520(2007)/6.%2520Chapter%25204%2520-%2520Delinquency-Default%2520and%2520Loss%2520Analysis.pdf&ved=2ahUKEwjD5dGRntPiAhVBb30KHeOLCHQQFjAAegQIARAB&usg=AOvVaw3LQLyYAIXwMrpz9jWNVZQO