|
|
TABLE 1 |
|
Cases |
Age |
Income |
Net Assets |
Credit History |
Outcome |
|
1 |
21 |
8,000 |
-1500 |
no |
Default |
|
2 |
36 |
38000 |
8000 |
good |
on-time |
|
3 |
29 |
26000 |
12000 |
poor |
Late |
|
4 |
19 |
6500 |
2000 |
no |
Late |
|
5 |
42 |
55000 |
46000 |
good |
on-time |
|
6 |
64 |
22000 |
36000 |
poor |
Default |
|
7 |
28 |
36000 |
26000 |
poor |
Late |
|
8 |
42 |
42000 |
66000 |
good |
on-time |
|
9 |
35 |
22000 |
-4000 |
good |
on-time |
|
10 |
48 |
33500 |
6000 |
good |
on-time |
|
11 |
26 |
16000 |
-8000 |
poor |
default |
|
12 |
28 |
17000 |
2000 |
no |
late |
|
13 |
17 |
7000 |
1000 |
no |
late |
|
14 |
24 |
55000 |
40000 |
good |
on-time |
|
15 |
29 |
26000 |
8000 |
no |
late |
|
16 |
19 |
11000 |
1500 |
good |
on-time |
|
17 |
26 |
7000 |
3500 |
no |
late |
|
18 |
47 |
22000 |
-6000 |
poor |
default |
|
A |
31 |
27,000 |
-5,000 |
good |
? |
|
B |
27 |
45,000 |
-12,000 |
no |
? |
|
TABLE 2 |
|
Cases |
Age |
Income |
Net Assets |
Credit History |
Outcome |
A |
B |
|
1 |
<25 |
<10,000 |
<0 |
no |
default |
|
|
|
2 |
>25 |
25,000-40,000 |
0-10,000 |
good |
on-time |
3 |
1 |
|
3 |
>25 |
25,000-40,000 |
>10,000 |
poor |
late |
|
|
|
4 |
<25 |
>40,000 |
0-10,000 |
no |
late |
|
|
|
5 |
>25 |
>40,000 |
>10,000 |
good |
on-time |
|
|
|
6 |
>25 |
10,000-25,000 |
>10,000 |
poor |
default |
|
|
|
7 |
>25 |
25,000-40,000 |
>10,000 |
poor |
late |
|
|
|
8 |
>25 |
> 40,000 |
>10,000 |
good |
on-time |
|
|
|
9 |
>25 |
10,000-25,000 |
<0 |
good |
on-time |
|
|
|
10 |
>25 |
25,000-40,000 |
0-10,000 |
good |
on-time |
|
|
|
11 |
>25 |
10,000-25,000 |
<0 |
poor |
default |
|
|
|
12 |
>25 |
10,000-25,000 |
0-10,000 |
no |
late |
|
|
|
13 |
<25 |
<10,000 |
0-10,000 |
no |
late |
|
|
|
14 |
<25 |
> 40,000 |
>10,000 |
good |
on-time |
|
|
|
15 |
>25 |
25,000-40,000 |
0-10,000 |
no |
late |
|
|
|
16 |
<25 |
10,000-25,000 |
0-10,000 |
good |
on-time |
|
|
|
17 |
>25 |
<10,000 |
0-10,000 |
no |
late |
|
|
|
18 |
>25 |
10,000-25,000 |
<0 |
poor |
default |
|
|
|
A |
>25 |
25,000-40,000 |
<0 |
good |
- |
- |
- |
|
B |
>25 |
> 40,000 |
<0 |
no |
- |
- |
- |
|
TABLE 3 |
|
Cases |
Age |
Income |
Net Assets |
Credit History |
Outcome |
|
max |
75 |
100,000 |
100,000 |
1 |
- |
|
min |
16 |
0 |
-50,000 |
0 |
- |
|
1 |
0.085 |
0.080 |
0.323 |
0 |
3 |
|
2 |
.338 |
.38 |
.386 |
0 |
1 |
|
3 |
.220 |
.26 |
.413 |
0 |
2 |
|
4 |
.050 |
.065 |
.346 |
0 |
2 |
|
5 |
.440 |
.55 |
.64 |
1 |
1 |
|
6 |
.814 |
.22 |
.573 |
0 |
3 |
|
7 |
.203 |
.36 |
.506 |
0 |
2 |
|
8 |
.440 |
.42 |
.773 |
1 |
1 |
|
9 |
.322 |
.22 |
.306 |
1 |
1 |
|
10 |
.542 |
.335 |
.373 |
1 |
1 |
|
11 |
.169 |
.16 |
.28 |
0 |
3 |
|
12 |
.203 |
.17 |
.346 |
0 |
2 |
|
13 |
.016 |
.070 |
.34 |
0 |
2 |
|
14 |
.135 |
.55 |
.6 |
1 |
1 |
|
15 |
.220 |
.26 |
.386 |
0 |
2 |
|
16 |
.050 |
.11 |
.343 |
1 |
1 |
|
17 |
.169 |
.070 |
.356 |
0 |
2 |
|
18 |
.525 |
.22 |
.293 |
0 |
3 |
|
A |
.254 |
.27 |
.3 |
1 |
- |
B |
.186 |
.45 |
.253 |
0 |
- |
|
TABLE 4 |
|
Outcomes |
Age |
Income |
Net Assets |
Credit History |
A |
B |
|
|
0.325 |
0.366 |
.488 |
1 |
0.356 |
1.291 |
|
|
0.154 |
0.179 |
0.384 |
2 |
1.260 |
.44 |
|
default |
0.398 |
0.17 |
0.367 |
3 |
1.320 |
.610 |
|
TABLE 5 |
|
Rule 1 |
Credit History = good |
Pay on-time |
0.889 |
|
Rule 2 |
Credit History = no |
Pay late |
0.750 |
|
Rule 3 |
Credit History = poor
Income > $22,000 |
Pay late |
0.750 |
|
Rule 4 |
Credit History = poor
Income <=$22,000 |
Default |
0.800 |
I BELIEVE "a" WILL PAY ONTIME.
I BELIEVE "b" WILL BE LATE.
|
