gastonstat / CreditScoring

Petit example of credit scoring analysis
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could someone explain the variables properly #1

Open syonajosy opened 6 years ago

syonajosy commented 6 years ago

like in status ..what stands for 1 and 2 and same way home - what does 1:6 indicate ?

jolars commented 3 years ago

Here is a description from the original source, google-translated from Spanish:

TITLE: Credit Scoring

Description:

The aim is to produce assignment rules for each client in the
two categories of opinion,

using all the information available on the remaining variables.

The value 99999999 in continuous variables indicates a missing value.

Dictionary

final opinion (response variable)
  1 positive
  2 negative

Length of work (years)

living place
  1 rental
  2 public deed
  3 private contract
  4 ignore contract
  5 parents
  6 other

Loan term (months)

Age

civil status
  1 single
  2 married
  3 widower
  4 separate
  5 divorced

records
  1 no
  2 yes

type of job
  1 permanent employee
  2 temporary employee
  3 autonomous
  4 other

Expenses (Kpts)

Income (Kpts)

Equity (Kpts)

Equity to be amortized (Kpts)

Loan requested (Kpts)

Price of the financed asset (Kpts)

As you can see, there are some inconsistencies here. I'm not actually sure if the response variable should be a decision (yes or no) or an "opinion". The Spanish word is "dictamen".