Marimo, MChimedza, C2020-07-142020-07-142017-04DHET SOUTH AFRICAN LIST (JANUARY 2017)ISSN: 0038-271XESSN: 1996-8450https://hdl.handle.net/10539/29256In this paper we model competing risks, default and early settlement events, in the presence of long term survivors and compare survival and logistic methodologies. Cause specific Cox regression models were fitted and adjustments were made to accommodate a proportion of long term survivors. Methodologies were compared using ROC curves and area under the curves. The results show that survival methods perform better than logistic regression methods when modelling lifetime data in the presence of competing risks and in the presence of long term survivors.enCause specificCompeting riskConsumer creditProportional hazardsArticle