library("DescTools") 
library("epitools")
library("ggplot2")
data <- read.csv("D:/PTDLĐT/dulieu.csv")
str(data)
## 'data.frame':    500 obs. of  8 variables:
##  $ Age            : int  45 49 51 40 40 44 51 32 37 48 ...
##  $ Gender         : chr  "M" "F" "M" "F" ...
##  $ Education_Level: chr  "High School" "Graduate" "Graduate" "High School" ...
##  $ Marital_Status : chr  "Married" "Single" "Married" "Unknown" ...
##  $ Income_Category: chr  "$60K - $80K" "Less than $40K" "$80K - $120K" "Less than $40K" ...
##  $ Credit_Limit   : num  12691 8256 3418 3313 4716 ...
##  $ Total_Trans_Amt: int  1144 1291 1887 1171 816 1088 1330 1538 1350 1441 ...
##  $ Total_Trans_Ct : int  42 33 20 20 28 24 31 36 24 32 ...

1 BÀI TẬP VỀ NHÀ TUẦN 5

Nhiệm vụ: Phân tích thống kê mô tả của 2 biến phụ thuộc ở câu 2 với 5 biến còn lại trong câu 3, nhận xét về kết quả phân tích này.

1.1 Thống kê mô tả cho 2 biến

1.2 Phân tích biến “Income_Category” và biến “Gender”

1.2.1 Bảng tần số - bảng tần suất

#Bảng tần số
a <- table(data$Income_Category,data$Gender)
a
##                 
##                    F   M
##   $120K +          0  51
##   $40K - $60K     37  51
##   $60K - $80K      0  96
##   $80K - $120K     0 105
##   Less than $40K 118   9
##   Unknown         31   2

Dựa vào kết quả của bảng tần số, ta thấy chủ yếu nam giới có mức lương cao hơn nữ giới. Cụ thể, với mức lương là $120K + có 51 người nam giới nhưng không có nữ giới nào. Với mức lương là $80K - $120K có 105 người nam giới nhưng không có nữ giới. Với mức lương ít hơn $40K có 118 người nữ giới và 9 người nam giới.

#Bảng tần số biên
addmargins(a)
##                 
##                    F   M Sum
##   $120K +          0  51  51
##   $40K - $60K     37  51  88
##   $60K - $80K      0  96  96
##   $80K - $120K     0 105 105
##   Less than $40K 118   9 127
##   Unknown         31   2  33
##   Sum            186 314 500
#Bảng tần suất
a1 <- prop.table(a)
a1
##                 
##                      F     M
##   $120K +        0.000 0.102
##   $40K - $60K    0.074 0.102
##   $60K - $80K    0.000 0.192
##   $80K - $120K   0.000 0.210
##   Less than $40K 0.236 0.018
##   Unknown        0.062 0.004
#Bảng tần suất biên
addmargins(a1)
##                 
##                      F     M   Sum
##   $120K +        0.000 0.102 0.102
##   $40K - $60K    0.074 0.102 0.176
##   $60K - $80K    0.000 0.192 0.192
##   $80K - $120K   0.000 0.210 0.210
##   Less than $40K 0.236 0.018 0.254
##   Unknown        0.062 0.004 0.066
##   Sum            0.372 0.628 1.000

1.2.2 Đồ thị cột

ggplot(data, aes(Income_Category, fill = Gender)) + geom_bar(position = 'dodge')

### Rủi ro tương đối

riskratio(a)
## Warning in chisq.test(xx, correct = correction): Chi-squared approximation may
## be incorrect

## Warning in chisq.test(xx, correct = correction): Chi-squared approximation may
## be incorrect
## $data
##                 
##                    F   M Total
##   $120K +          0  51    51
##   $40K - $60K     37  51    88
##   $60K - $80K      0  96    96
##   $80K - $120K     0 105   105
##   Less than $40K 118   9   127
##   Unknown         31   2    33
##   Total          186 314   500
## 
## $measure
##                 risk ratio with 95% C.I.
##                    estimate      lower     upper
##   $120K +        1.00000000         NA        NA
##   $40K - $60K    0.57954545 0.48506555 0.6924279
##   $60K - $80K    1.00000000 1.00000000 1.0000000
##   $80K - $120K   1.00000000 1.00000000 1.0000000
##   Less than $40K 0.07086614 0.03775228 0.1330253
##   Unknown        0.06060606 0.01581794 0.2322107
## 
## $p.value
##                 two-sided
##                    midp.exact fisher.exact   chi.square
##   $120K +                  NA           NA           NA
##   $40K - $60K    1.195643e-09 1.301692e-09 6.455582e-08
##   $60K - $80K    1.000000e+00 1.000000e+00          NaN
##   $80K - $120K   1.000000e+00 1.000000e+00          NaN
##   Less than $40K 0.000000e+00 1.107940e-35 1.989897e-32
##   Unknown        0.000000e+00 5.600103e-21 2.936941e-18
## 
## $correction
## [1] FALSE
## 
## attr(,"method")
## [1] "Unconditional MLE & normal approximation (Wald) CI"

1.2.3 Kiểm định sự độc lập

Giả thuyết H0: Giới tính và mức thu nhập độc lập.

chisq.test(a)
## 
##  Pearson's Chi-squared test
## 
## data:  a
## X-squared = 364.37, df = 5, p-value < 2.2e-16

Qua kết quả kiểm định cho ta thấy giữa giới tính và mức thu nhập của khách hàng là độc lập với nhau.

1.3 Phân tích biến “Education_Level” và biến “Gender”

1.3.1 Bảng tần số - bảng tần suất

#Bảng tần số
b <- table(data$Education_Level,data$Gender)
b
##                
##                  F  M
##   College       16 26
##   Doctorate      6 12
##   Graduate      63 98
##   High School   33 72
##   Post-Graduate 12 14
##   Uneducated    36 49
##   Unknown       20 43
#Bảng tần số biên
addmargins(b)
##                
##                   F   M Sum
##   College        16  26  42
##   Doctorate       6  12  18
##   Graduate       63  98 161
##   High School    33  72 105
##   Post-Graduate  12  14  26
##   Uneducated     36  49  85
##   Unknown        20  43  63
##   Sum           186 314 500
#Bảng tần suất
b1 <- prop.table(b)
b1
##                
##                     F     M
##   College       0.032 0.052
##   Doctorate     0.012 0.024
##   Graduate      0.126 0.196
##   High School   0.066 0.144
##   Post-Graduate 0.024 0.028
##   Uneducated    0.072 0.098
##   Unknown       0.040 0.086
#Bảng tần suất biên
addmargins(b1)
##                
##                     F     M   Sum
##   College       0.032 0.052 0.084
##   Doctorate     0.012 0.024 0.036
##   Graduate      0.126 0.196 0.322
##   High School   0.066 0.144 0.210
##   Post-Graduate 0.024 0.028 0.052
##   Uneducated    0.072 0.098 0.170
##   Unknown       0.040 0.086 0.126
##   Sum           0.372 0.628 1.000

1.3.2 Đồ thị cột

ggplot(data, aes(Education_Level, fill = Gender)) + geom_bar(position = 'dodge')

### Rủi ro tương đối - Tỷ lệ chênh

#rủi ro tương đối
riskratio(b)
## $data
##                
##                   F   M Total
##   College        16  26    42
##   Doctorate       6  12    18
##   Graduate       63  98   161
##   High School    33  72   105
##   Post-Graduate  12  14    26
##   Uneducated     36  49    85
##   Unknown        20  43    63
##   Total         186 314   500
## 
## $measure
##                risk ratio with 95% C.I.
##                  estimate     lower    upper
##   College       1.0000000        NA       NA
##   Doctorate     1.0769231 0.7192005 1.612573
##   Graduate      0.9832776 0.7523980 1.285004
##   High School   1.1076923 0.8453496 1.451450
##   Post-Graduate 0.8698225 0.5671308 1.334068
##   Uneducated    0.9312217 0.6904551 1.255945
##   Unknown       1.1025641 0.8242338 1.474882
## 
## $p.value
##                two-sided
##                 midp.exact fisher.exact chi.square
##   College               NA           NA         NA
##   Doctorate      0.7436876    0.7781483  0.7257660
##   Graduate       0.9099231    1.0000000  0.9024700
##   High School    0.4450273    0.4453761  0.4385780
##   Post-Graduate  0.5241416    0.6141917  0.5117143
##   Uneducated     0.6546298    0.7038532  0.6461838
##   Unknown        0.5099539    0.5343141  0.5019147
## 
## $correction
## [1] FALSE
## 
## attr(,"method")
## [1] "Unconditional MLE & normal approximation (Wald) CI"
#tỷ lệ chênh
oddsratio(b)
## $data
##                
##                   F   M Total
##   College        16  26    42
##   Doctorate       6  12    18
##   Graduate       63  98   161
##   High School    33  72   105
##   Post-Graduate  12  14    26
##   Uneducated     36  49    85
##   Unknown        20  43    63
##   Total         186 314   500
## 
## $measure
##                odds ratio with 95% C.I.
##                  estimate     lower    upper
##   College       1.0000000        NA       NA
##   Doctorate     1.2167130 0.3824559 4.182003
##   Graduate      0.9602590 0.4677680 1.924029
##   High School   1.3424543 0.6254373 2.835052
##   Post-Graduate 0.7217307 0.2629195 1.976664
##   Uneducated    0.8406516 0.3871976 1.790945
##   Unknown       1.3200977 0.5752723 3.017080
## 
## $p.value
##                two-sided
##                 midp.exact fisher.exact chi.square
##   College               NA           NA         NA
##   Doctorate      0.7436876    0.7781483  0.7257660
##   Graduate       0.9099231    1.0000000  0.9024700
##   High School    0.4450273    0.4453761  0.4385780
##   Post-Graduate  0.5241416    0.6141917  0.5117143
##   Uneducated     0.6546298    0.7038532  0.6461838
##   Unknown        0.5099539    0.5343141  0.5019147
## 
## $correction
## [1] FALSE
## 
## attr(,"method")
## [1] "median-unbiased estimate & mid-p exact CI"

1.3.3 Kiểm định sự độc lập

Giả thuyết H0: Giới tính và trình độ học vấn độc lập.

chisq.test(b)
## 
##  Pearson's Chi-squared test
## 
## data:  b
## X-squared = 4.5441, df = 6, p-value = 0.6035

Kết quả này cho chúng ta thấy rằng: Chưa đủ chứng cứ/thông tin/cơ sở để nói rằng trình độ học vấn có liên quan tới giới tính của khách hàng.

1.4 Phân tích biến “Marital_Status” và biến “Gender”

1.4.1 Bảng tần số - bảng tần suất

#Bảng tần số
c <- table(data$Marital_Status,data$Gender)
c
##           
##              F   M
##   Divorced  19  18
##   Married  106 174
##   Single    55  95
##   Unknown    6  27
#Bảng tần số biên
addmargins(c)
##           
##              F   M Sum
##   Divorced  19  18  37
##   Married  106 174 280
##   Single    55  95 150
##   Unknown    6  27  33
##   Sum      186 314 500
#Bảng tần suất
c1 <- prop.table(c)
c1
##           
##                F     M
##   Divorced 0.038 0.036
##   Married  0.212 0.348
##   Single   0.110 0.190
##   Unknown  0.012 0.054
#Bảng tần suất biên
addmargins(c1)
##           
##                F     M   Sum
##   Divorced 0.038 0.036 0.074
##   Married  0.212 0.348 0.560
##   Single   0.110 0.190 0.300
##   Unknown  0.012 0.054 0.066
##   Sum      0.372 0.628 1.000

1.4.2 Đồ thị cột

ggplot(data, aes(Marital_Status, fill = Gender)) + geom_bar(position = 'dodge')

### Rủi ro tương đối - Tỷ lệ chênh

#rủi ro tương đối
riskratio(c)
## $data
##           
##              F   M Total
##   Divorced  19  18    37
##   Married  106 174   280
##   Single    55  95   150
##   Unknown    6  27    33
##   Total    186 314   500
## 
## $measure
##           risk ratio with 95% C.I.
##            estimate     lower    upper
##   Divorced 1.000000        NA       NA
##   Married  1.277381 0.9060822 1.800832
##   Single   1.301852 0.9148992 1.852464
##   Unknown  1.681818 1.1639590 2.430079
## 
## $p.value
##           two-sided
##             midp.exact fisher.exact  chi.square
##   Divorced          NA           NA          NA
##   Married  0.122373849  0.151404812 0.114445183
##   Single   0.109612166  0.132820097 0.101844681
##   Unknown  0.004381528  0.005698212 0.003838404
## 
## $correction
## [1] FALSE
## 
## attr(,"method")
## [1] "Unconditional MLE & normal approximation (Wald) CI"
#tỷ lệ chênh
oddsratio(c)
## $data
##           
##              F   M Total
##   Divorced  19  18    37
##   Married  106 174   280
##   Single    55  95   150
##   Unknown    6  27    33
##   Total    186 314   500
## 
## $measure
##           odds ratio with 95% C.I.
##            estimate     lower     upper
##   Divorced 1.000000        NA        NA
##   Married  1.728755 0.8620686  3.480610
##   Single   1.816031 0.8736095  3.794379
##   Unknown  4.579311 1.5835377 14.949786
## 
## $p.value
##           two-sided
##             midp.exact fisher.exact  chi.square
##   Divorced          NA           NA          NA
##   Married  0.122373849  0.151404812 0.114445183
##   Single   0.109612166  0.132820097 0.101844681
##   Unknown  0.004381528  0.005698212 0.003838404
## 
## $correction
## [1] FALSE
## 
## attr(,"method")
## [1] "median-unbiased estimate & mid-p exact CI"

1.4.3 Kiểm định sự độc lập

Giả thuyết H0: Giới tính và tình trạng hôn nhân độc lập.

chisq.test(c)
## 
##  Pearson's Chi-squared test
## 
## data:  c
## X-squared = 8.3509, df = 3, p-value = 0.03929

Qua kết quả kiểm định cho ta thấy giữa giới tính và tình trạng hôn nhân của khách hàng là độc lập với nhau.

2 BÀI TẬP VỀ NHÀ TUẦN 3,4

Nhiệm vụ: Làm thống kê mô tả để phân tích cho ít nhất 5 biến (vừa định tính định lượng và có 2 biến đã chọn ở câu 2), nhận xét về kết quả phân tích này.

2.1 Thống kê mô tả biến “Age”

library(ggplot2)
summary(data$Age)
##    Min. 1st Qu.  Median    Mean 3rd Qu.    Max. 
##   32.00   44.00   49.00   49.63   54.00   73.00

Dựa vào kết quả thống kê mô tả, ta thấy khách hàng sử dụng thẻ tín dụng tiêu dùng có độ tuổi từ 32 tuổi đến 73 tuổi, trung bình (mean) là 49,63 tuổi. 1st Qu. (first quartile) = 44 có nghĩa là 25% đối tượng nghiên cứu có độ tuổi bằng hoặc nhỏ hơn 44 tuổi. Tương tự, 3rd Qu.(Third quartile) = 54 có nghĩa là 75% đối tượng có độ tuổi bằng hoặc thấp hơn 54 tuổi. Số trung vị (median) 49 cũng có nghĩa là 50% đối tượng có độ tuổi 49 trở xuống (hay 49 tuổi trở lên).

table(cut(data$Age,4))
## 
##   (32,42.2] (42.2,52.5] (52.5,62.8]   (62.8,73] 
##          80         237         160          23
table(cut(data$Age,4))/sum(table(data$Age))
## 
##   (32,42.2] (42.2,52.5] (52.5,62.8]   (62.8,73] 
##       0.160       0.474       0.320       0.046
data |> ggplot(aes(Age)) + geom_bar(aes(y = (..count..)), color = 'black', fill = 'pink')
## Warning: The dot-dot notation (`..count..`) was deprecated in ggplot2 3.4.0.
## ℹ Please use `after_stat(count)` instead.
## This warning is displayed once every 8 hours.
## Call `lifecycle::last_lifecycle_warnings()` to see where this warning was
## generated.

2.2 Thống kê mô tả biến “Gender”

table(data$Gender)
## 
##   F   M 
## 186 314
table(data$Gender)/sum(table(data$Gender))
## 
##     F     M 
## 0.372 0.628

Theo kết quả phân tích ta thấy % khách hàng sử dụng thẻ tín dụng tiêu dùng cao nhất thuộc vào nhóm khách hàng Nam chiếm 62,8%, khách hàng nữ chiếm 37,2%.

data |> ggplot(aes(Gender)) +
  geom_bar(aes(y = (..count..)/sum(..count..))) +
  ylab('Tỷ lệ %') + xlab('Giới tính')

2.3 Thống kê mô tả biến “Education_Level”

table(data$Education_Level)
## 
##       College     Doctorate      Graduate   High School Post-Graduate 
##            42            18           161           105            26 
##    Uneducated       Unknown 
##            85            63
table(data$Education_Level)/sum(table(data$Education_Level))
## 
##       College     Doctorate      Graduate   High School Post-Graduate 
##         0.084         0.036         0.322         0.210         0.052 
##    Uneducated       Unknown 
##         0.170         0.126

Theo kết quả phân tích ta thấy % khách hàng sử dụng thẻ tín dụng tiêu dùng có trình độ học vấn như sau:

Khách hàng tốt nghiệp trung học phổ thông (High School) chiếm 21%

Khách hàng tốt nghiệp đại học (Graduate) chiếm 32,2%

Khách hàng tốt nghiệp Tiến sĩ (Doctorate) chiếm 3,6%

Khách hàng tốt nghiệp Cao học (Post-Graduate) chiếm 5,2%

Khách hàng tốt nghiệp Cao đẳng (College) chiếm 8,4%

Khách hàng không đi học (Uneducated) chiếm 17%

Khách hàng không xác định (Unknown) chiếm 12,6%

data |> ggplot(aes(x = Education_Level , y = after_stat(count))) + geom_bar(fill = 'green') + geom_text(aes(label = scales::percent(after_stat(count/sum(count)))), stat = 'count', color = 'black', vjust = - .5) + theme_classic() + labs(x = 'Trình độ học vấn', y = 'Số người')

2.4 Thống kê mô tả biến “Marital_Status”

table(data$Marital_Status)
## 
## Divorced  Married   Single  Unknown 
##       37      280      150       33
table(data$Marital_Status)/sum(table(data$Marital_Status))
## 
## Divorced  Married   Single  Unknown 
##    0.074    0.560    0.300    0.066

Theo kết quả phân tích ta thấy % khách hàng sử dụng thẻ tín dụng tiêu dùng có tình trạng hôn nhân như sau:

Khách hàng đã ly hôn (Divorced) chiếm 7,4%

Khách hàng đã kết hôn (Married) chiếm 56%

Khách hàng đang độc thân (Single) chiếm 30%

Khách hàng không rõ tình trạng hôn nhân (Unknown) chiếm 6,6%

data |> ggplot(aes(x = Marital_Status , y = after_stat(count))) + geom_bar(fill = 'green') + geom_text(aes(label = scales::percent(after_stat(count/sum(count)))), stat = 'count', color = 'black', vjust = - .5) + theme_classic() + labs(x = 'Tình trạng hôn nhân', y = 'Số người')

2.5 Thống kê mô tả biến “Income_Category”

table(data$Income_Category)
## 
##        $120K +    $40K - $60K    $60K - $80K   $80K - $120K Less than $40K 
##             51             88             96            105            127 
##        Unknown 
##             33
table(data$Income_Category)/sum(table(data$Income_Category))
## 
##        $120K +    $40K - $60K    $60K - $80K   $80K - $120K Less than $40K 
##          0.102          0.176          0.192          0.210          0.254 
##        Unknown 
##          0.066

Theo kết quả phân tích ta thấy % khách hàng sử dụng thẻ tín dụng tiêu dùng có mức thu nhập như sau như sau:

Khách hàng có mức lương $120K + chiếm 10,2%

Khách hàng có mức lương $40K - $60K chiếm 17,6%

Khách hàng có mức lương $60K - $80K chiếm 19,2%

Khách hàng có mức lương $80K - $120K chiếm 21%

Khách hàng có mức lương ít hơn $40K chiếm 25,4%

Khách hàng không rõ mức lương (Unknown) chiếm 6,6%

data |> ggplot(aes(x = Income_Category , y = after_stat(count))) + geom_bar(fill = 'green') + geom_text(aes(label = scales::percent(after_stat(count/sum(count)))), stat = 'count', color = 'black', vjust = - .5) + theme_classic() + labs(x = 'Mức lương của khách hàng', y = 'Số người')

2.6 Thống kê mô tả biến “Credit_Limit”

summary(data$Credit_Limit)
##    Min. 1st Qu.  Median    Mean 3rd Qu.    Max. 
##    1438    2958    6276   10555   14888   34516

Dựa vào kết quả thống kê mô tả, ta thấy Hạn mức tín dụng của khách hàng từ $1438 đến $34516, trung bình (mean) là $10555. 1st Qu. (first quartile) = $2958 có nghĩa là 25% đối tượng nghiên cứu có hạn mức bằng hoặc nhỏ hơn $2958. Tương tự, 3rd Qu.(Third quartile) = $14888 có nghĩa là 75% đối tượng có hạn mức bằng hoặc thấp hơn $14888. Số trung vị (median) $6276 cũng có nghĩa là 50% đối tượng có hạn mức $6276 trở xuống (hay $6276 trở lên).

table(cut(data$Credit_Limit,4))
## 
## (1.41e+03,9.71e+03]  (9.71e+03,1.8e+04]  (1.8e+04,2.62e+04] (2.62e+04,3.45e+04] 
##                 307                  89                  51                  53
table(cut(data$Credit_Limit,4))/sum(table(data$Credit_Limit))
## 
## (1.41e+03,9.71e+03]  (9.71e+03,1.8e+04]  (1.8e+04,2.62e+04] (2.62e+04,3.45e+04] 
##               0.614               0.178               0.102               0.106
hist(data$Credit_Limit)

2.7 Thống kê mô tả biến “Total_Trans_Amt”

summary(data$Total_Trans_Amt)
##    Min. 1st Qu.  Median    Mean 3rd Qu.    Max. 
##     510    1152    1336    1361    1562    3178

Dựa vào kết quả thống kê mô tả, ta thấy số tiền giao dịch của khách hàng từ $510 đến $3178, trung bình (mean) là $1361. 1st Qu. (first quartile) = $1152 có nghĩa là 25% đối tượng nghiên cứu có số tiền giao dịch bằng hoặc nhỏ hơn $1152. Tương tự, 3rd Qu.(Third quartile) = $1562 có nghĩa là 75% đối tượng có số tiền giao dịch bằng hoặc thấp hơn $1562. Số trung vị (median) $1336 cũng có nghĩa là 50% đối tượng có số tiền giao dịch $6276 trở xuống (hay $1336 trở lên).

table(cut(data$Total_Trans_Amt,4))
## 
##      (507,1.18e+03] (1.18e+03,1.84e+03] (1.84e+03,2.51e+03] (2.51e+03,3.18e+03] 
##                 140                 322                  34                   4
table(cut(data$Total_Trans_Amt,4))/sum(table(data$Total_Trans_Amt))
## 
##      (507,1.18e+03] (1.18e+03,1.84e+03] (1.84e+03,2.51e+03] (2.51e+03,3.18e+03] 
##               0.280               0.644               0.068               0.008
hist(data$Total_Trans_Amt)

2.8 Thống kê mô tả biến “Total_Trans_Ct”

summary(data$Total_Trans_Ct)
##    Min. 1st Qu.  Median    Mean 3rd Qu.    Max. 
##   10.00   24.00   29.00   30.13   36.00   60.00

Dựa vào kết quả thống kê mô tả, ta thấy số lần giao dịch của khách hàng từ 10 lần đến 60 lần, trung bình (mean) là 30.13 lần. 1st Qu. (first quartile) = 24 lần có nghĩa là 25% đối tượng nghiên cứu có số lần giao dịch bằng hoặc nhỏ hơn $2958. Tương tự, 3rd Qu.(Third quartile) = 36 lần có nghĩa là 75% đối tượng có số lần giao dịch bằng hoặc thấp hơn 36 lần. Số trung vị (median) 29 lần cũng có nghĩa là 50% đối tượng có số lần giao dịch 29 lần trở xuống (hay 29 lần trở lên).

table(cut(data$Total_Trans_Ct,4))
## 
## (9.95,22.5]   (22.5,35]   (35,47.5]   (47.5,60] 
##          98         276         103          23
table(cut(data$Total_Trans_Ct,4))/sum(table(data$Total_Trans_Ct))
## 
## (9.95,22.5]   (22.5,35]   (35,47.5]   (47.5,60] 
##       0.196       0.552       0.206       0.046
data |> ggplot(aes(Total_Trans_Ct)) + geom_bar(aes(y = (..count..)), color = 'black', fill = 'pink')

3 BÀI TẬP VỀ NHÀ TUẦN 2

Nhiệm vụ: Chọn 1 hoặc 2 biến định tính và 1 biến định lượng làm biến phụ thuộc để phân tích, giải thích lý do.

3.1 Biến định tính: Gender

Gender là giới tính của khách hàng. Giới tính cũng bị ảnh hưởng bởi nhiều yếu tố như:Trình độ học vấn, vị trí công việc, giới tính,…. Lí do em chọn biến Gender làm biến phụ thuộc vì em muốn biết trong bộ dữ liệu này, giới tính của các khách hàng có bị ảnh hưởng bởi các biến khác hay không.

3.2 Biến định lượng: Credit_Limit

Hạn mức tín dụng (credit limit) là số tiền tối đa mà một ngân hàng, tổ chức tín dụng hoặc nhà cung cấp dịch vụ tài chính cho phép bạn mượn hoặc sử dụng trên thẻ tín dụng, thẻ ghi nợ hoặc tài khoản tín dụng. Đây là giới hạn tài chính được đặt ra để giới hạn số tiền bạn có thể vay hoặc sử dụng từ nguồn tín dụng. Lí do em chọn biến Credit_Limit làm biến phụ thuộc vì em muốn biết trong bộ dữ liệu này, Hạn mức tín dụng của các khách hàng có bị ảnh hưởng bởi các biến khác hay không.

4 BÀI TẬP VỀ NHÀ TUẦN 1

Nhiệm vụ: Tìm một dataset có dữ liệu định tính, dữ liệu định lượng, có trên 5 biến và nhiều hơn 300 quan sát.

4.1 Mô tả

Dữ liệu này là thông tin khách hàng được thu thập từ trong danh mục thẻ tín dụng tiêu dùng của ngân hàng. Dữ liệu nghiên cứu gồm 500 quan sát với 8 biến.

4.2 Giải thích các biến

4.2.1 Các biến định tính

Gender: Giới tính của khách hàng

Education_Level: Trình độ học vấn của khách hàng

Marital_Status: Tình trạng hôn nhân của khách hàng

Income_Category: Mức thu nhập của khách hàng

4.2.2 Các biến định lượng

Age: Tuổi của khách hàng

Credit_Limit: Hạn mức tín dụng của khách hàng

Total_Trans_Amt: Tổng số tiền giao dịch

Total_Trans_Ct: Tổng số lần giao dịch.

data <- read.csv("D:/PTDLĐT/dulieu.csv")
str(data)
## 'data.frame':    500 obs. of  8 variables:
##  $ Age            : int  45 49 51 40 40 44 51 32 37 48 ...
##  $ Gender         : chr  "M" "F" "M" "F" ...
##  $ Education_Level: chr  "High School" "Graduate" "Graduate" "High School" ...
##  $ Marital_Status : chr  "Married" "Single" "Married" "Unknown" ...
##  $ Income_Category: chr  "$60K - $80K" "Less than $40K" "$80K - $120K" "Less than $40K" ...
##  $ Credit_Limit   : num  12691 8256 3418 3313 4716 ...
##  $ Total_Trans_Amt: int  1144 1291 1887 1171 816 1088 1330 1538 1350 1441 ...
##  $ Total_Trans_Ct : int  42 33 20 20 28 24 31 36 24 32 ...
summary(data)
##       Age           Gender          Education_Level    Marital_Status    
##  Min.   :32.00   Length:500         Length:500         Length:500        
##  1st Qu.:44.00   Class :character   Class :character   Class :character  
##  Median :49.00   Mode  :character   Mode  :character   Mode  :character  
##  Mean   :49.63                                                           
##  3rd Qu.:54.00                                                           
##  Max.   :73.00                                                           
##  Income_Category     Credit_Limit   Total_Trans_Amt Total_Trans_Ct 
##  Length:500         Min.   : 1438   Min.   : 510    Min.   :10.00  
##  Class :character   1st Qu.: 2958   1st Qu.:1152    1st Qu.:24.00  
##  Mode  :character   Median : 6276   Median :1336    Median :29.00  
##                     Mean   :10555   Mean   :1361    Mean   :30.13  
##                     3rd Qu.:14888   3rd Qu.:1562    3rd Qu.:36.00  
##                     Max.   :34516   Max.   :3178    Max.   :60.00
data
##     Age Gender Education_Level Marital_Status Income_Category Credit_Limit
## 1    45      M     High School        Married     $60K - $80K      12691.0
## 2    49      F        Graduate         Single  Less than $40K       8256.0
## 3    51      M        Graduate        Married    $80K - $120K       3418.0
## 4    40      F     High School        Unknown  Less than $40K       3313.0
## 5    40      M      Uneducated        Married     $60K - $80K       4716.0
## 6    44      M        Graduate        Married     $40K - $60K       4010.0
## 7    51      M         Unknown        Married         $120K +      34516.0
## 8    32      M     High School        Unknown     $60K - $80K      29081.0
## 9    37      M      Uneducated         Single     $60K - $80K      22352.0
## 10   48      M        Graduate         Single    $80K - $120K      11656.0
## 11   42      M      Uneducated        Unknown         $120K +       6748.0
## 12   65      M         Unknown        Married     $40K - $60K       9095.0
## 13   56      M         College         Single    $80K - $120K      11751.0
## 14   35      M        Graduate        Unknown     $60K - $80K       8547.0
## 15   57      F        Graduate        Married  Less than $40K       2436.0
## 16   44      M         Unknown        Unknown    $80K - $120K       4234.0
## 17   48      M   Post-Graduate         Single    $80K - $120K      30367.0
## 18   41      M         Unknown        Married    $80K - $120K      13535.0
## 19   61      M     High School        Married     $40K - $60K       3193.0
## 20   45      F        Graduate        Married         Unknown      14470.0
## 21   47      M       Doctorate       Divorced     $60K - $80K      20979.0
## 22   62      F        Graduate        Married  Less than $40K       1438.3
## 23   41      M     High School        Married     $40K - $60K       4470.0
## 24   47      F         Unknown         Single  Less than $40K       2492.0
## 25   54      M         Unknown        Married    $80K - $120K      12217.0
## 26   41      F        Graduate         Single  Less than $40K       7768.0
## 27   59      M     High School        Unknown     $40K - $60K      14784.0
## 28   63      M         Unknown        Married     $60K - $80K      10215.0
## 29   44      F      Uneducated         Single         Unknown      10100.0
## 30   47      M     High School        Married     $40K - $60K       4785.0
## 31   53      M         Unknown        Married    $80K - $120K       2753.0
## 32   53      M      Uneducated        Married     $60K - $80K       2451.0
## 33   41      M        Graduate        Married     $60K - $80K       8923.0
## 34   53      F         College        Married  Less than $40K       2650.0
## 35   58      M        Graduate        Married    $80K - $120K      12555.0
## 36   55      F         College         Single  Less than $40K       3520.0
## 37   55      F        Graduate        Married  Less than $40K       3035.0
## 38   42      F     High School        Married  Less than $40K      15433.0
## 39   57      F        Graduate        Unknown     $40K - $60K       3672.0
## 40   66      F       Doctorate        Married         Unknown       7882.0
## 41   45      M        Graduate         Single    $80K - $120K      32426.0
## 42   51      M         Unknown        Married     $40K - $60K       6205.0
## 43   50      F         College         Single     $40K - $60K      17304.0
## 44   49      M     High School        Married     $60K - $80K       3906.0
## 45   38      F        Graduate         Single         Unknown       9830.0
## 46   49      M      Uneducated         Single    $80K - $120K      34516.0
## 47   56      M       Doctorate        Married     $60K - $80K       2283.0
## 48   59      M       Doctorate        Married     $40K - $60K       2548.0
## 49   46      M     High School        Married    $80K - $120K      19458.0
## 50   52      M         College         Single    $80K - $120K       4745.0
## 51   52      F         Unknown        Married  Less than $40K       2622.0
## 52   54      F        Graduate        Married  Less than $40K       1438.3
## 53   66      F     High School        Married  Less than $40K       3171.0
## 54   49      M         Unknown        Married         $120K +      19763.0
## 55   56      M        Graduate        Married         $120K +      15769.0
## 56   49      F        Graduate        Unknown  Less than $40K       3298.0
## 57   49      F        Graduate         Single  Less than $40K       2802.0
## 58   56      M      Uneducated        Married     $40K - $60K       4458.0
## 59   44      F        Graduate        Married         Unknown       6273.0
## 60   42      M     High School         Single     $60K - $80K       3336.0
## 61   55      M         Unknown        Married    $80K - $120K       3436.0
## 62   48      M        Graduate        Married     $60K - $80K      34516.0
## 63   39      M     High School       Divorced     $60K - $80K       5926.0
## 64   44      M   Post-Graduate         Single         $120K +      23957.0
## 65   53      M     High School         Single         $120K +      14734.0
## 66   51      M      Uneducated         Single    $80K - $120K      34516.0
## 67   57      M         College        Married     $60K - $80K       6584.0
## 68   44      F      Uneducated         Single  Less than $40K       2084.0
## 69   49      M        Graduate        Married     $60K - $80K       1687.0
## 70   50      M       Doctorate        Married    $80K - $120K      25300.0
## 71   51      M        Graduate         Single         $120K +      34516.0
## 72   55      F        Graduate        Married  Less than $40K       2216.0
## 73   54      M        Graduate        Unknown     $60K - $80K       2910.0
## 74   42      M      Uneducated        Married    $80K - $120K      22913.0
## 75   44      M         College         Single     $60K - $80K      24312.0
## 76   53      M        Graduate         Single    $80K - $120K       5272.0
## 77   44      F        Graduate         Single  Less than $40K       7000.0
## 78   37      F      Uneducated         Single  Less than $40K       7038.0
## 79   49      M        Graduate       Divorced     $60K - $80K       2536.0
## 80   47      M        Graduate        Married    $80K - $120K      28904.0
## 81   47      M        Graduate        Married     $60K - $80K       8567.0
## 82   44      M         Unknown        Unknown         $120K +      34516.0
## 83   55      F         Unknown        Married     $40K - $60K       2158.0
## 84   59      F        Graduate        Married         Unknown      10133.0
## 85   53      M        Graduate       Divorced    $80K - $120K      34516.0
## 86   52      M        Graduate        Married     $60K - $80K       3085.0
## 87   53      M     High School         Single         $120K +      19040.0
## 88   43      F      Uneducated         Single  Less than $40K       4026.0
## 89   44      M     High School         Single     $60K - $80K      12756.0
## 90   57      M         Unknown        Married         $120K +       5266.0
## 91   51      F     High School         Single  Less than $40K       9930.0
## 92   49      M     High School         Single    $80K - $120K      31302.0
## 93   45      M        Graduate         Single     $40K - $60K       6576.0
## 94   53      M        Graduate         Single    $80K - $120K       2664.0
## 95   45      F         Unknown        Married         Unknown       2535.0
## 96   64      M        Graduate        Married  Less than $40K       1709.0
## 97   45      M        Graduate        Married     $40K - $60K       3454.0
## 98   53      M       Doctorate        Married     $40K - $60K       3789.0
## 99   56      M         College        Married         $120K +       9689.0
## 100  47      M         Unknown        Married    $80K - $120K       5449.0
## 101  49      F         College         Single         Unknown      23032.0
## 102  41      F         Unknown        Married         Unknown      34516.0
## 103  53      M        Graduate        Married         $120K +       2940.0
## 104  44      F        Graduate         Single  Less than $40K       3031.0
## 105  44      M     High School        Unknown     $60K - $80K       1862.0
## 106  43      F   Post-Graduate        Married  Less than $40K       8358.0
## 107  53      M   Post-Graduate         Single         $120K +      34516.0
## 108  44      M      Uneducated        Married     $60K - $80K      14450.0
## 109  62      F         Unknown        Married  Less than $40K       1438.3
## 110  54      M         Unknown       Divorced         $120K +      33791.0
## 111  57      M        Graduate        Married     $60K - $80K       8466.0
## 112  42      M         Unknown        Married     $60K - $80K      15088.0
## 113  42      M     High School       Divorced     $60K - $80K       3263.0
## 114  54      F      Uneducated        Married  Less than $40K       1494.0
## 115  48      M        Graduate         Single    $80K - $120K      13551.0
## 116  49      M        Graduate         Single    $80K - $120K      18886.0
## 117  52      M     High School        Unknown    $80K - $120K      11976.0
## 118  50      M     High School         Single    $80K - $120K       9964.0
## 119  49      M       Doctorate        Married     $60K - $80K      24159.0
## 120  53      F     High School        Married  Less than $40K       5362.0
## 121  50      M        Graduate         Single         $120K +      34516.0
## 122  55      F       Doctorate        Married  Less than $40K       3174.0
## 123  53      M     High School        Married    $80K - $120K      12262.0
## 124  47      F     High School         Single     $40K - $60K       3788.0
## 125  55      M         College         Single         $120K +      34516.0
## 126  47      M        Graduate         Single     $60K - $80K       2926.0
## 127  58      M        Graduate         Single         $120K +      32090.0
## 128  53      M        Graduate        Married    $80K - $120K      11669.0
## 129  52      M     High School         Single     $40K - $60K      13532.0
## 130  50      F      Uneducated        Unknown  Less than $40K      11888.0
## 131  42      F        Graduate        Married  Less than $40K       2393.0
## 132  43      M         Unknown        Married     $40K - $60K       6111.0
## 133  57      M        Graduate        Married    $80K - $120K      19270.0
## 134  52      M        Graduate        Married    $80K - $120K       3710.0
## 135  47      M       Doctorate         Single  Less than $40K       3235.0
## 136  44      F        Graduate         Single     $40K - $60K      11749.0
## 137  53      M     High School       Divorced     $60K - $80K       7753.0
## 138  45      M         College       Divorced     $60K - $80K      10408.0
## 139  63      F         College        Married         Unknown       3967.0
## 140  39      F   Post-Graduate         Single  Less than $40K       6205.0
## 141  48      F     High School        Married  Less than $40K       8025.0
## 142  51      M         Unknown         Single         $120K +       9036.0
## 143  54      M        Graduate        Married    $80K - $120K      14926.0
## 144  59      F        Graduate         Single  Less than $40K       6335.0
## 145  59      M         College         Single     $60K - $80K      14979.0
## 146  48      F      Uneducated        Married  Less than $40K       2732.0
## 147  41      F        Graduate         Single  Less than $40K       2250.0
## 148  55      M        Graduate        Married         $120K +      10916.0
## 149  47      F        Graduate        Married         Unknown       5349.0
## 150  41      M     High School        Married    $80K - $120K       9366.0
## 151  40      M     High School         Single    $80K - $120K      21617.0
## 152  68      M        Graduate        Married         Unknown      13860.0
## 153  50      F        Graduate         Single     $40K - $60K      18386.0
## 154  47      M      Uneducated         Single     $60K - $80K       2405.0
## 155  53      F         College        Married  Less than $40K       2154.0
## 156  42      F         Unknown        Married     $40K - $60K       2038.0
## 157  48      F     High School         Single     $40K - $60K       8135.0
## 158  49      M       Doctorate        Married         $120K +       9364.0
## 159  44      F      Uneducated        Married         Unknown      32643.0
## 160  43      F        Graduate       Divorced  Less than $40K       3195.0
## 161  56      M     High School        Married    $80K - $120K       2852.0
## 162  59      F         College         Single         Unknown       4224.0
## 163  46      M      Uneducated        Married     $60K - $80K      20459.0
## 164  47      F         Unknown       Divorced  Less than $40K       3482.0
## 165  50      F      Uneducated        Married     $40K - $60K       3065.0
## 166  51      F      Uneducated        Married  Less than $40K       2185.0
## 167  47      F      Uneducated        Married  Less than $40K       1611.0
## 168  58      F      Uneducated        Married  Less than $40K       2822.0
## 169  46      M        Graduate         Single    $80K - $120K      32975.0
## 170  53      M     High School        Married     $60K - $80K       1438.3
## 171  45      F      Uneducated       Divorced         Unknown      15875.0
## 172  52      F     High School        Married  Less than $40K       6703.0
## 173  53      M         Unknown        Married    $80K - $120K       3212.0
## 174  50      M     High School        Married    $80K - $120K      34516.0
## 175  41      F     High School        Married     $40K - $60K       9797.0
## 176  45      F        Graduate       Divorced     $40K - $60K      10400.0
## 177  53      M      Uneducated        Married    $80K - $120K      26792.0
## 178  67      F        Graduate        Married  Less than $40K       3006.0
## 179  57      F      Uneducated         Single     $40K - $60K      19482.0
## 180  59      F      Uneducated        Married     $40K - $60K       3356.0
## 181  45      M      Uneducated        Married     $40K - $60K       5771.0
## 182  51      M        Graduate        Married    $80K - $120K      11106.0
## 183  59      F      Uneducated        Married  Less than $40K       2890.0
## 184  53      M        Graduate        Married     $60K - $80K       3380.0
## 185  47      M        Graduate        Married     $60K - $80K      21331.0
## 186  49      F      Uneducated         Single         Unknown      12860.0
## 187  49      M   Post-Graduate         Single    $80K - $120K       6278.0
## 188  60      F         College         Single  Less than $40K       1438.3
## 189  50      F     High School        Married  Less than $40K       9355.0
## 190  41      F   Post-Graduate        Married         Unknown      20758.0
## 191  57      M        Graduate        Married    $80K - $120K      14612.0
## 192  43      M        Graduate        Unknown    $80K - $120K      27259.0
## 193  57      F        Graduate        Married  Less than $40K       6347.0
## 194  54      M       Doctorate        Married         $120K +      21592.0
## 195  51      F   Post-Graduate        Married  Less than $40K       3449.0
## 196  47      F     High School        Married  Less than $40K       6028.0
## 197  41      M     High School        Unknown         $120K +      18214.0
## 198  53      M      Uneducated        Married    $80K - $120K      16393.0
## 199  68      M     High School        Married  Less than $40K       1438.3
## 200  59      M         College        Married     $60K - $80K       7871.0
## 201  48      M         Unknown        Married    $80K - $120K       5288.0
## 202  44      M        Graduate        Married     $60K - $80K      11376.0
## 203  48      M         College        Married    $80K - $120K      12302.0
## 204  47      M        Graduate        Married     $60K - $80K      34516.0
## 205  47      M        Graduate        Married     $60K - $80K      34516.0
## 206  43      F     High School       Divorced  Less than $40K      10514.0
## 207  55      F        Graduate        Married  Less than $40K       1438.3
## 208  59      M   Post-Graduate        Married     $60K - $80K       1438.3
## 209  63      M        Graduate        Married     $40K - $60K       2619.0
## 210  58      M         College        Married         $120K +      24407.0
## 211  53      F     High School        Married  Less than $40K       2377.0
## 212  59      M         Unknown        Unknown    $80K - $120K      34516.0
## 213  52      M        Graduate        Married         $120K +      11086.0
## 214  48      M     High School         Single     $60K - $80K      11432.0
## 215  43      M     High School        Married     $40K - $60K      13258.0
## 216  48      M         College         Single  Less than $40K       2571.0
## 217  43      F        Graduate         Single  Less than $40K       5781.0
## 218  44      M         Unknown        Married     $60K - $80K       7872.0
## 219  41      M     High School        Married    $80K - $120K      34516.0
## 220  44      F      Uneducated       Divorced  Less than $40K      11127.0
## 221  50      M         Unknown         Single     $40K - $60K       1857.0
## 222  60      F      Uneducated        Married  Less than $40K       1913.0
## 223  44      M        Graduate         Single    $80K - $120K       3839.0
## 224  48      F        Graduate       Divorced     $40K - $60K       2115.0
## 225  44      F        Graduate       Divorced  Less than $40K       1438.3
## 226  41      M     High School         Single    $80K - $120K      27756.0
## 227  45      M         College         Single     $60K - $80K       1438.3
## 228  47      F      Uneducated       Divorced  Less than $40K      13878.0
## 229  51      F        Graduate        Married  Less than $40K       3106.0
## 230  51      M        Graduate        Married         $120K +      34516.0
## 231  60      F      Uneducated        Married     $40K - $60K       1438.3
## 232  57      M         Unknown        Married    $80K - $120K      18871.0
## 233  41      M        Graduate         Single         $120K +       5207.0
## 234  44      M   Post-Graduate       Divorced    $80K - $120K      17965.0
## 235  43      M         College         Single     $60K - $80K       2733.0
## 236  55      M         College        Married     $60K - $80K       8863.0
## 237  52      M      Uneducated        Married    $80K - $120K       1857.0
## 238  44      M        Graduate        Unknown    $80K - $120K      34516.0
## 239  41      M      Uneducated        Married     $40K - $60K      11107.0
## 240  44      M         Unknown         Single    $80K - $120K      21573.0
## 241  53      F         Unknown        Married  Less than $40K       2859.0
## 242  39      M     High School         Single    $80K - $120K       5269.0
## 243  49      M         College        Married     $40K - $60K       1438.3
## 244  45      F         College        Married  Less than $40K       3387.0
## 245  54      M        Graduate        Married    $80K - $120K       1982.0
## 246  49      M      Uneducated         Single    $80K - $120K       4645.0
## 247  46      F       Doctorate         Single         Unknown       2189.0
## 248  46      M     High School        Married         $120K +       2442.0
## 249  47      M        Graduate        Married     $60K - $80K      21304.0
## 250  44      M       Doctorate         Single     $60K - $80K       7577.0
## 251  50      M   Post-Graduate         Single         $120K +       3234.0
## 252  73      M     High School        Married     $40K - $60K       4469.0
## 253  56      M         Unknown        Unknown     $40K - $60K       2910.0
## 254  59      M     High School         Single     $40K - $60K       3616.0
## 255  70      M     High School        Married  Less than $40K       3252.0
## 256  55      F     High School        Married  Less than $40K       2358.0
## 257  43      M         Unknown         Single     $60K - $80K      22322.0
## 258  45      M      Uneducated         Single         $120K +       3133.0
## 259  45      F      Uneducated         Single     $40K - $60K       3540.0
## 260  40      M        Graduate        Married     $40K - $60K       6990.0
## 261  36      M         College        Unknown    $80K - $120K      34516.0
## 262  59      F   Post-Graduate        Married     $40K - $60K       1438.3
## 263  43      M         Unknown        Married     $60K - $80K      24396.0
## 264  46      F         Unknown        Married  Less than $40K       2474.0
## 265  41      M      Uneducated        Married     $40K - $60K       5214.0
## 266  51      F        Graduate        Married  Less than $40K       5207.0
## 267  51      F         Unknown        Unknown  Less than $40K       9512.0
## 268  43      F        Graduate       Divorced         Unknown       3187.0
## 269  64      F     High School        Married     $40K - $60K       3353.0
## 270  54      M        Graduate        Married     $60K - $80K       2290.0
## 271  48      M         Unknown         Single     $40K - $60K       5279.0
## 272  40      M      Uneducated       Divorced     $60K - $80K      23603.0
## 273  57      M      Uneducated        Married     $40K - $60K       2601.0
## 274  45      M        Graduate         Single    $80K - $120K       6363.0
## 275  41      M     High School         Single    $80K - $120K       8029.0
## 276  42      F      Uneducated        Married  Less than $40K       2410.0
## 277  45      M        Graduate         Single     $60K - $80K       3401.0
## 278  42      F      Uneducated        Married  Less than $40K       2260.0
## 279  47      M      Uneducated       Divorced    $80K - $120K      17682.0
## 280  48      F     High School        Married     $40K - $60K       4206.0
## 281  43      M        Graduate         Single    $80K - $120K      34516.0
## 282  41      M     High School        Unknown    $80K - $120K      23018.0
## 283  54      F      Uneducated        Married     $40K - $60K       5556.0
## 284  54      F     High School        Married         Unknown       6094.0
## 285  61      M        Graduate        Married     $40K - $60K       2939.0
## 286  61      M      Uneducated        Married    $80K - $120K       5362.0
## 287  48      M     High School        Married         $120K +      27126.0
## 288  45      F        Graduate         Single  Less than $40K       3342.0
## 289  54      F        Graduate        Married         Unknown       2532.0
## 290  54      F       Doctorate        Married         Unknown       1900.0
## 291  44      M        Graduate         Single     $60K - $80K      14546.0
## 292  50      F       Doctorate         Single         Unknown       2521.0
## 293  55      M       Doctorate        Married     $60K - $80K      16427.0
## 294  48      M        Graduate        Unknown     $40K - $60K      13068.0
## 295  45      M         College         Single     $60K - $80K      23218.0
## 296  60      M     High School        Married     $40K - $60K       3281.0
## 297  55      M     High School        Married     $40K - $60K       3096.0
## 298  62      F     High School        Married     $40K - $60K       2052.0
## 299  38      F     High School        Unknown  Less than $40K       1438.3
## 300  46      M     High School         Single     $40K - $60K       9432.0
## 301  50      M     High School         Single         $120K +      14938.0
## 302  45      M      Uneducated        Married     $60K - $80K       2221.0
## 303  47      M   Post-Graduate       Divorced     $60K - $80K       5731.0
## 304  48      M         College        Married     $60K - $80K      34516.0
## 305  35      M      Uneducated        Married     $60K - $80K       6985.0
## 306  51      M        Graduate        Married         $120K +      24221.0
## 307  36      F     High School        Married         Unknown      15439.0
## 308  47      M        Graduate         Single    $80K - $120K      21637.0
## 309  52      M        Graduate         Single         $120K +      14543.0
## 310  43      F      Uneducated        Married  Less than $40K       9684.0
## 311  63      M     High School        Married     $40K - $60K       5007.0
## 312  61      M        Graduate        Married     $60K - $80K       1616.0
## 313  53      M      Uneducated         Single     $60K - $80K      19116.0
## 314  53      F        Graduate        Married  Less than $40K       2759.0
## 315  57      M        Graduate        Married         $120K +       8249.0
## 316  38      F        Graduate         Single         Unknown      14041.0
## 317  53      M     High School        Married     $60K - $80K       5264.0
## 318  63      F         Unknown        Married  Less than $40K       2420.0
## 319  49      F     High School        Married  Less than $40K       2826.0
## 320  45      M     High School        Married    $80K - $120K      12518.0
## 321  67      M        Graduate        Married     $40K - $60K       5876.0
## 322  48      M        Graduate         Single    $80K - $120K      34516.0
## 323  51      F      Uneducated       Divorced  Less than $40K       9648.0
## 324  52      M     High School         Single    $80K - $120K      34516.0
## 325  55      F      Uneducated        Married         Unknown       3025.0
## 326  34      M     High School        Married     $60K - $80K       3265.0
## 327  56      M      Uneducated        Married         $120K +       6041.0
## 328  44      F   Post-Graduate        Married  Less than $40K       2293.0
## 329  47      M   Post-Graduate        Unknown    $80K - $120K      13399.0
## 330  46      F         Unknown        Married  Less than $40K       4317.0
## 331  43      F        Graduate         Single     $40K - $60K       3378.0
## 332  50      F        Graduate         Single  Less than $40K       5012.0
## 333  38      F      Uneducated         Single  Less than $40K       2569.0
## 334  53      F        Graduate         Single  Less than $40K       3471.0
## 335  43      M        Graduate       Divorced         $120K +      34516.0
## 336  53      M     High School        Married         $120K +       3312.0
## 337  56      F        Graduate        Married  Less than $40K       2578.0
## 338  54      M         Unknown        Married     $40K - $60K       2902.0
## 339  57      F     High School        Married  Less than $40K       2742.0
## 340  62      M     High School        Married  Less than $40K       2077.0
## 341  46      F        Graduate         Single  Less than $40K       6265.0
## 342  49      M      Uneducated        Married     $60K - $80K       7819.0
## 343  52      M        Graduate         Single    $80K - $120K       2731.0
## 344  58      M      Uneducated        Married     $40K - $60K       1438.3
## 345  54      M     High School        Married    $80K - $120K      16286.0
## 346  49      M        Graduate        Married         $120K +      34516.0
## 347  58      F     High School        Married  Less than $40K       2609.0
## 348  52      M     High School         Single     $60K - $80K       7567.0
## 349  41      M     High School        Married     $60K - $80K      22770.0
## 350  62      F      Uneducated        Married  Less than $40K       3791.0
## 351  54      M        Graduate        Married  Less than $40K       2702.0
## 352  40      F     High School       Divorced  Less than $40K       2555.0
## 353  43      M        Graduate        Married    $80K - $120K       2355.0
## 354  53      F        Graduate         Single     $40K - $60K       5332.0
## 355  55      M      Uneducated         Single     $40K - $60K       1443.0
## 356  46      M        Graduate         Single     $60K - $80K      10741.0
## 357  41      M      Uneducated        Married     $60K - $80K       7984.0
## 358  49      M      Uneducated         Single     $60K - $80K      18584.0
## 359  61      F        Graduate        Married         Unknown       5585.0
## 360  46      M      Uneducated        Married    $80K - $120K      34516.0
## 361  50      F      Uneducated        Married  Less than $40K       1438.3
## 362  40      M        Graduate         Single    $80K - $120K       2478.0
## 363  51      M     High School         Single         $120K +      34516.0
## 364  50      F        Graduate        Married     $40K - $60K       2339.0
## 365  47      F        Graduate        Married  Less than $40K       2726.0
## 366  43      M         Unknown        Married         $120K +      14881.0
## 367  36      F        Graduate        Married     $40K - $60K       1628.0
## 368  47      F        Graduate        Married  Less than $40K       3156.0
## 369  46      F        Graduate         Single  Less than $40K       4745.0
## 370  46      M     High School        Married         $120K +      19727.0
## 371  52      M      Uneducated        Married     $60K - $80K      22720.0
## 372  43      M         Unknown        Married     $40K - $60K       8129.0
## 373  40      F        Graduate         Single  Less than $40K       3751.0
## 374  54      F     High School        Married  Less than $40K       1594.0
## 375  55      F     High School         Single  Less than $40K       2569.0
## 376  49      F   Post-Graduate         Single         Unknown      18206.0
## 377  45      M     High School        Married     $40K - $60K       3104.0
## 378  49      M        Graduate        Married     $40K - $60K       2406.0
## 379  63      M      Uneducated        Married    $80K - $120K      24571.0
## 380  40      F     High School         Single  Less than $40K      15534.0
## 381  41      F        Graduate        Married  Less than $40K      12301.0
## 382  37      M        Graduate        Married    $80K - $120K       2846.0
## 383  58      M      Uneducated        Unknown         $120K +       9788.0
## 384  55      M     High School        Married     $60K - $80K       7231.0
## 385  53      F     High School        Married  Less than $40K       2324.0
## 386  57      M        Graduate        Married    $80K - $120K      12208.0
## 387  43      M   Post-Graduate        Unknown    $80K - $120K       5639.0
## 388  58      M        Graduate        Married     $60K - $80K      10021.0
## 389  64      M         Unknown        Married  Less than $40K       2215.0
## 390  54      F        Graduate        Married  Less than $40K       2027.0
## 391  53      M        Graduate        Married     $60K - $80K       6363.0
## 392  39      F         College         Single  Less than $40K       3920.0
## 393  56      M     High School        Married     $60K - $80K       9226.0
## 394  54      F         Unknown       Divorced  Less than $40K       9376.0
## 395  59      F   Post-Graduate        Married     $40K - $60K       1944.0
## 396  42      M      Uneducated         Single     $40K - $60K       9599.0
## 397  42      M        Graduate        Married     $60K - $80K      28202.0
## 398  43      M         College        Unknown    $80K - $120K      24850.0
## 399  55      M     High School        Married         $120K +       3805.0
## 400  52      M      Uneducated         Single    $80K - $120K       2733.0
## 401  46      M      Uneducated        Unknown     $40K - $60K      12781.0
## 402  57      M      Uneducated        Married         $120K +       3106.0
## 403  48      M         College        Married    $80K - $120K       7477.0
## 404  45      M         Unknown        Married         $120K +      34516.0
## 405  48      M     High School        Married         $120K +      29963.0
## 406  47      M        Graduate         Single     $40K - $60K       6509.0
## 407  42      M         College        Married     $60K - $80K      13450.0
## 408  41      M        Graduate        Unknown     $60K - $80K      27000.0
## 409  51      M         College        Married         $120K +      34516.0
## 410  55      F        Graduate         Single  Less than $40K       6347.0
## 411  67      M      Uneducated        Married     $40K - $60K       3106.0
## 412  39      M        Graduate        Married     $60K - $80K       2536.0
## 413  54      M   Post-Graduate         Single     $60K - $80K      13048.0
## 414  55      F         Unknown        Married  Less than $40K       2453.0
## 415  47      M     High School        Married     $40K - $60K      16138.0
## 416  49      M   Post-Graduate        Married     $60K - $80K       8077.0
## 417  42      F        Graduate        Married  Less than $40K       1929.0
## 418  57      M         Unknown         Single    $80K - $120K       3127.0
## 419  44      M      Uneducated        Married     $60K - $80K       8645.0
## 420  56      M         Unknown         Single     $60K - $80K       1438.3
## 421  49      F        Graduate        Married  Less than $40K       2185.0
## 422  45      M        Graduate         Single    $80K - $120K      24487.0
## 423  63      M     High School        Married     $60K - $80K       2567.0
## 424  44      M        Graduate         Single    $80K - $120K       4131.0
## 425  44      F         College        Married  Less than $40K      10790.0
## 426  40      M     High School        Married     $40K - $60K       6884.0
## 427  39      M      Uneducated         Single     $60K - $80K      13961.0
## 428  42      M     High School        Married    $80K - $120K      29801.0
## 429  54      M     High School        Married         $120K +      13219.0
## 430  58      F         Unknown        Married  Less than $40K       2536.0
## 431  46      F        Graduate       Divorced  Less than $40K       9478.0
## 432  47      F         Unknown       Divorced     $40K - $60K       3502.0
## 433  67      F         Unknown        Married         Unknown      10509.0
## 434  50      F         College       Divorced  Less than $40K       1491.0
## 435  55      M     High School       Divorced     $60K - $80K       9734.0
## 436  46      F        Graduate        Married     $40K - $60K       2305.0
## 437  47      F      Uneducated        Married     $40K - $60K      14241.0
## 438  36      F         Unknown        Married     $40K - $60K       4789.0
## 439  40      M       Doctorate       Divorced     $60K - $80K      23138.0
## 440  57      M         Unknown         Single    $80K - $120K      23008.0
## 441  48      M         Unknown       Divorced    $80K - $120K       3131.0
## 442  58      F        Graduate        Married  Less than $40K       5798.0
## 443  48      M        Graduate         Single     $40K - $60K       6880.0
## 444  48      M        Graduate        Unknown    $80K - $120K      34516.0
## 445  53      F         College        Married     $40K - $60K       2075.0
## 446  50      M        Graduate        Married    $80K - $120K       4589.0
## 447  52      F        Graduate         Single  Less than $40K       2317.0
## 448  53      F      Uneducated         Single  Less than $40K       1981.0
## 449  56      F        Graduate         Single     $40K - $60K       6038.0
## 450  44      M         Unknown         Single    $80K - $120K      14910.0
## 451  49      M     High School        Married    $80K - $120K      29659.0
## 452  54      M        Graduate        Married     $60K - $80K       4320.0
## 453  39      F         Unknown         Single     $40K - $60K      11213.0
## 454  39      F      Uneducated       Divorced         Unknown      26181.0
## 455  41      F     High School         Single  Less than $40K       5773.0
## 456  53      M      Uneducated        Married    $80K - $120K       4503.0
## 457  47      M      Uneducated        Married    $80K - $120K      29770.0
## 458  46      F   Post-Graduate        Married  Less than $40K       5014.0
## 459  53      F     High School        Married  Less than $40K       3445.0
## 460  60      M        Graduate        Married    $80K - $120K      23412.0
## 461  59      F        Graduate         Single  Less than $40K       3044.0
## 462  38      M         Unknown         Single     $60K - $80K      14596.0
## 463  56      M      Uneducated         Single  Less than $40K       3864.0
## 464  35      M   Post-Graduate        Unknown    $80K - $120K      17030.0
## 465  50      M        Graduate         Single     $60K - $80K      23090.0
## 466  53      M   Post-Graduate        Unknown    $80K - $120K      29205.0
## 467  63      M        Graduate        Married     $60K - $80K      14035.0
## 468  43      F      Uneducated         Single  Less than $40K       2962.0
## 469  46      M         Unknown        Married    $80K - $120K      18578.0
## 470  61      M      Uneducated         Single     $60K - $80K       2201.0
## 471  37      F   Post-Graduate        Married  Less than $40K       2061.0
## 472  42      F       Doctorate        Married         Unknown      24602.0
## 473  41      M      Uneducated       Divorced         $120K +      15911.0
## 474  56      M         College         Single         $120K +      16867.0
## 475  56      M        Graduate        Married     $60K - $80K       2783.0
## 476  52      F   Post-Graduate         Single  Less than $40K       2972.0
## 477  40      F     High School         Single     $40K - $60K       5124.0
## 478  63      M        Graduate        Married     $40K - $60K       2880.0
## 479  58      M     High School         Single     $40K - $60K       5579.0
## 480  58      M         Unknown        Married     $60K - $80K      12010.0
## 481  46      M      Uneducated       Divorced    $80K - $120K      34516.0
## 482  37      F        Graduate        Married     $40K - $60K       4394.0
## 483  46      M        Graduate         Single    $80K - $120K      18325.0
## 484  46      F   Post-Graduate        Married  Less than $40K       3773.0
## 485  41      M        Graduate         Single    $80K - $120K      21684.0
## 486  48      F     High School       Divorced     $40K - $60K       1919.0
## 487  49      F        Graduate         Single     $40K - $60K       9995.0
## 488  44      M        Graduate        Married    $80K - $120K      11910.0
## 489  39      F         College        Married  Less than $40K       2279.0
## 490  57      M         College         Single     $40K - $60K       3539.0
## 491  48      M     High School        Married    $80K - $120K      30579.0
## 492  47      M     High School         Single    $80K - $120K      24480.0
## 493  56      F      Uneducated       Divorced         Unknown      17561.0
## 494  54      F         College        Married  Less than $40K       1638.0
## 495  54      M        Graduate        Married     $60K - $80K       2947.0
## 496  52      M     High School        Married    $80K - $120K       5738.0
## 497  43      M         Unknown        Unknown         $120K +      33304.0
## 498  59      M         College         Single     $40K - $60K       7251.0
## 499  44      M         Unknown        Married         Unknown       2885.0
## 500  56      F         College        Married  Less than $40K       2641.0
##     Total_Trans_Amt Total_Trans_Ct
## 1              1144             42
## 2              1291             33
## 3              1887             20
## 4              1171             20
## 5               816             28
## 6              1088             24
## 7              1330             31
## 8              1538             36
## 9              1350             24
## 10             1441             32
## 11             1201             42
## 12             1314             26
## 13             1539             17
## 14             1311             33
## 15             1570             29
## 16             1348             27
## 17             1671             27
## 18             1028             21
## 19             1336             30
## 20             1207             21
## 21             1178             27
## 22              692             16
## 23              931             18
## 24             1126             23
## 25             1110             21
## 26             1051             22
## 27             1197             23
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Nguồn: https://www.kaggle.com/datasets/thedevastator/predicting-credit-card-customer-attrition-with-m