Borrower#

class bamengine.roles.borrower.Borrower(net_worth, total_funds, wage_bill, credit_demand, projected_fragility, gross_profit, net_profit, retained_profit, loan_apps_head, loan_apps_targets)[source]#

Bases: Role

Borrower role for firms.

Represents the financial and credit state for firms. Each array index corresponds to a firm ID (0 to n_firms-1).

Parameters:

net_worth (Float1D) – Firm equity/net worth (A = assets - liabilities).
total_funds (Float1D) – Available liquidity (shared view with Employer.total_funds).
wage_bill (Float1D) – Total wages to be paid (W, shared with Employer.wage_bill).
credit_demand (Float1D) – Amount of credit requested from banks (B).
projected_fragility (Float1D) – Financial fragility metric (B / A, leverage).
gross_profit (Float1D) – Revenue before debt service.
net_profit (Float1D) – Profit after debt service (π).
retained_profit (Float1D) – Profit retained after dividends.
loan_apps_head (Idx1D) – Queue head pointer for loan applications.
loan_apps_targets (Idx2D) – Queue of bank IDs to apply to, shape (n_firms, max_H).

Examples

Access from simulation:

>>> import bamengine as bam
>>> sim = bam.Simulation.init(n_firms=100, seed=42)
>>> bor = sim.bor
>>> bor.net_worth.shape
(100,)
>>> bor.net_worth.mean()
105.3

Find firms with negative net worth (insolvent):

>>> import numpy as np
>>> insolvent = bor.net_worth < 0
>>> insolvent.sum()
3

Calculate aggregate credit demand:

>>> total_credit_demand = bor.credit_demand.sum()
>>> total_credit_demand
1250.0

Check financial fragility distribution:

>>> high_fragility = bor.projected_fragility > 0.5
>>> high_fragility.sum()
15

Notes

The Borrower role is one of three roles assigned to firms:

Producer: production and pricing (see Producer)
Employer: labor hiring and wages (see Employer)
Borrower: finance and credit

The total_funds and wage_bill arrays are shared with Employer role (same underlying NumPy array) for memory efficiency and consistency.

Borrower#

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