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In terms of target debt ratio obtained from the tables we can see the transaction currently has a high ratio of debt collection (collection coefficient 3 years are over 80%). coefficients collection 2011 is 88.8% which means a 100 dollar invested in loans last year, the revenues of 88.8 transaction contract, but relations among collections have dropped in the next two years, but with loan sales and coefficients collection has increased over the years, the figure is not significantly reduced, suggesting that the collection of the debt transaction in the past year as well.
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