irks: Tools for credit risk modelling

Grouping or binning character/factors variables

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## S3 method for class 'character'
binning(x, y, p.min = 0.05, alpha = 0.05,
  na_level = "(Missing)", keeptree = FALSE, ...)

`x`	A variable to binning.
`y`	A binary variable same length as `score`.
`p.min`	Minimal proportion in a group (a ctree_control argument).
`alpha`	Minimal critetion (a ctree_control argument).
`na_level`	String for determinar de NA level.
`keeptree`	logical to keep tree.
`...`	Extra arguments to `ctree_control`. data(german_credit) binning(german_credit$purpose, german_credit$good_bad)