Formula

Simplified Gini Coefficient Formula for the One-Lender, Five-Borrower Model

In the one-lender, five-borrower model, the Gini coefficient (g) can be calculated by substituting the model's specific average income difference and average income into the general Gini formula. The initial expression is: g=12×average differenceaverage income=12×(6s1)/35/6g = \frac{1}{2} \times \frac{\text{average difference}}{\text{average income}} = \frac{1}{2} \times \frac{(6s - 1)/3}{5/6} Simplifying this expression yields a concise formula for the Gini coefficient directly in terms of the lender's income share (s): g=6s15g = \frac{6s - 1}{5}

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Updated 2025-08-29

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