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. 2021 Jul 13;7(1):58. doi: 10.1186/s40854-021-00272-y

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© The Author(s) 2021

Open AccessThis article is licensed under a Creative Commons Attribution 4.0 International License, which permits use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons licence, and indicate if changes were made. The images or other third party material in this article are included in the article's Creative Commons licence, unless indicated otherwise in a credit line to the material. If material is not included in the article's Creative Commons licence and your intended use is not permitted by statutory regulation or exceeds the permitted use, you will need to obtain permission directly from the copyright holder. To view a copy of this licence, visit http://creativecommons.org/licenses/by/4.0/.

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Fig. 7 — Kernel density of recovery rates in the sample. Notes. This graph shows the density distributions of the recovery rates on defaulted loans in the sample. The stack of 0 s shows the frequency of RR = 0, resulting in a not unimodal distribution