credit: Credit Score Data From a South German Bank

In Fahrmeir: Data from the Book "Multivariate Statistical Modelling Based on Generalized Linear Models", First Edition, by Ludwig Fahrmeir and Gerhard Tutz

Description

The credit data frame has 1000 rows and 8 columns. This are data for 1000 clients of a south german bank, 700 good payers and 300 bad payers. They are used to construct a credit scoring method.

Usage

data(credit)

Format

This data frame contains the following columns:

Y

a factor with levels buen mal, the response variable. buen is the good payers.

Cuenta

a factor with levels no good running bad running, quality of the credit clients bank account.

Mes

a numeric vector, duration of loan in months.

Ppag

a factor with levels pre buen pagador pre mal pagador, if the client previosly have been a good or bad payer.

Uso

a factor with levels privado profesional, the use to which the loan is made.

DM

a numeric vector, the size of loan in german marks.

Sexo

a factor with levels mujer hombre, sex of the client.

Estc

a factor with levels no vive solo vive solo, civil state of the client.

Source

Fahrmeier and Tutz, Multivariate Generalized Linear Models, Springer Verlag.

Examples

summary(credit)

Example output

    Y                Cuenta         Mes                     Ppag    
 buen:700   no          :274   Min.   : 4.0   pre buen pagador:911  
 mal :300   good running:394   1st Qu.:12.0   pre mal pagador : 89  
            bad running :332   Median :18.0                         
                               Mean   :20.9                         
                               3rd Qu.:24.0                         
                               Max.   :72.0                         
          Uso            DM            Sexo               Estc    
 privado    :657   Min.   :  250   mujer :402   no vive solo:640  
 profesional:343   1st Qu.: 1366   hombre:598   vive solo   :360  
                   Median : 2320                                  
                   Mean   : 3271                                  
                   3rd Qu.: 3972                                  
                   Max.   :18424                                  

Fahrmeir documentation built on May 2, 2019, 12:37 p.m.