CASO - USO TARJETA DE CREDITO

Este caso requiere desarrollar una segmentación de clientes para definir la estrategia de marketing.

El conjunto de datos de muestra resume el comportamiento de uso de 8950 titulares de tarjetas de crédito activos durante los últimos 6 meses.

El archivo este a nivel de cliente con 18 variables de comportamiento.

# Cargamos las librerías adecuadas
library(ggplot2)
library(cluster)
library(cowplot)
library(factoextra)
library(tidyr)
library(klaR)
library(clustMixType)
# Cargamos el conjunto de datos
credito<-read.csv("https://raw.githubusercontent.com/VictorGuevaraP/Multivariado_Analisis/master/credit_card.csv", 
                  sep = ";",
                  stringsAsFactors = T)
#Mostramos los datos
head(credito)
##   CUST_ID    BALANCE BALANCE_FREQUENCY PURCHASES ONEOFF_PURCHASES
## 1  C10001   40.90075          0.818182     95.40             0.00
## 2  C10002 3202.46742          0.909091      0.00             0.00
## 3  C10003 2495.14886          1.000000    773.17           773.17
## 4  C10004 1666.67054          0.636364   1499.00          1499.00
## 5  C10005  817.71434          1.000000     16.00            16.00
## 6  C10006 1809.82875          1.000000   1333.28             0.00
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1                  95.40        0.000            0.166667
## 2                   0.00     6442.945            0.000000
## 3                   0.00        0.000            1.000000
## 4                   0.00      205.788            0.083333
## 5                   0.00        0.000            0.083333
## 6                1333.28        0.000            0.666667
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                   0.000000                         0.083333
## 2                   0.000000                         0.000000
## 3                   1.000000                         0.000000
## 4                   0.083333                         0.000000
## 5                   0.083333                         0.000000
## 6                   0.000000                         0.583333
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT  PAYMENTS
## 1               0.000000                0             2         1000  201.8021
## 2               0.250000                4             0         7000 4103.0326
## 3               0.000000                0            12         7500  622.0667
## 4               0.083333                1             1         7500    0.0000
## 5               0.000000                0             1         1200  678.3348
## 6               0.000000                0             8         1800 1400.0578
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT TENURE
## 1         139.5098         0.000000     12
## 2        1072.3402         0.222222     12
## 3         627.2848         0.000000     12
## 4               NA         0.000000     12
## 5         244.7912         0.000000     12
## 6        2407.2460         0.000000     12
#Verificamos la estructura de los datos
str(credito)
## 'data.frame':    8950 obs. of  18 variables:
##  $ CUST_ID                         : Factor w/ 8950 levels "C10001","C10002",..: 1 2 3 4 5 6 7 8 9 10 ...
##  $ BALANCE                         : num  40.9 3202.5 2495.1 1666.7 817.7 ...
##  $ BALANCE_FREQUENCY               : num  0.818 0.909 1 0.636 1 ...
##  $ PURCHASES                       : num  95.4 0 773.2 1499 16 ...
##  $ ONEOFF_PURCHASES                : num  0 0 773 1499 16 ...
##  $ INSTALLMENTS_PURCHASES          : num  95.4 0 0 0 0 ...
##  $ CASH_ADVANCE                    : num  0 6443 0 206 0 ...
##  $ PURCHASES_FREQUENCY             : num  0.1667 0 1 0.0833 0.0833 ...
##  $ ONEOFF_PURCHASES_FREQUENCY      : num  0 0 1 0.0833 0.0833 ...
##  $ PURCHASES_INSTALLMENTS_FREQUENCY: num  0.0833 0 0 0 0 ...
##  $ CASH_ADVANCE_FREQUENCY          : num  0 0.25 0 0.0833 0 ...
##  $ CASH_ADVANCE_TRX                : int  0 4 0 1 0 0 0 0 0 0 ...
##  $ PURCHASES_TRX                   : int  2 0 12 1 1 8 64 12 5 3 ...
##  $ CREDIT_LIMIT                    : num  1000 7000 7500 7500 1200 1800 13500 2300 7000 11000 ...
##  $ PAYMENTS                        : num  202 4103 622 0 678 ...
##  $ MINIMUM_PAYMENTS                : num  140 1072 627 NA 245 ...
##  $ PRC_FULL_PAYMENT                : num  0 0.222 0 0 0 ...
##  $ TENURE                          : int  12 12 12 12 12 12 12 12 12 12 ...
# Seleccionamos solo las numericas
numericos = sapply(credito,is.numeric)
# Me quedo solo con las numericas
creditonum<- credito[ ,numericos]
head(creditonum)
##      BALANCE BALANCE_FREQUENCY PURCHASES ONEOFF_PURCHASES
## 1   40.90075          0.818182     95.40             0.00
## 2 3202.46742          0.909091      0.00             0.00
## 3 2495.14886          1.000000    773.17           773.17
## 4 1666.67054          0.636364   1499.00          1499.00
## 5  817.71434          1.000000     16.00            16.00
## 6 1809.82875          1.000000   1333.28             0.00
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1                  95.40        0.000            0.166667
## 2                   0.00     6442.945            0.000000
## 3                   0.00        0.000            1.000000
## 4                   0.00      205.788            0.083333
## 5                   0.00        0.000            0.083333
## 6                1333.28        0.000            0.666667
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                   0.000000                         0.083333
## 2                   0.000000                         0.000000
## 3                   1.000000                         0.000000
## 4                   0.083333                         0.000000
## 5                   0.083333                         0.000000
## 6                   0.000000                         0.583333
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT  PAYMENTS
## 1               0.000000                0             2         1000  201.8021
## 2               0.250000                4             0         7000 4103.0326
## 3               0.000000                0            12         7500  622.0667
## 4               0.083333                1             1         7500    0.0000
## 5               0.000000                0             1         1200  678.3348
## 6               0.000000                0             8         1800 1400.0578
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT TENURE
## 1         139.5098         0.000000     12
## 2        1072.3402         0.222222     12
## 3         627.2848         0.000000     12
## 4               NA         0.000000     12
## 5         244.7912         0.000000     12
## 6        2407.2460         0.000000     12

—-ANÁLISIS EXPLORATORIO—-

verificamos que existen datos perdidos, por lo tanto se debe realizar una corrección de tales datos.

# Resumen de los datos
summary(creditonum)
##     BALANCE        BALANCE_FREQUENCY   PURCHASES        ONEOFF_PURCHASES 
##  Min.   :    0.0   Min.   :0.0000    Min.   :    0.00   Min.   :    0.0  
##  1st Qu.:  128.3   1st Qu.:0.8889    1st Qu.:   39.63   1st Qu.:    0.0  
##  Median :  873.4   Median :1.0000    Median :  361.28   Median :   38.0  
##  Mean   : 1564.5   Mean   :0.8773    Mean   : 1003.20   Mean   :  592.4  
##  3rd Qu.: 2054.1   3rd Qu.:1.0000    3rd Qu.: 1110.13   3rd Qu.:  577.4  
##  Max.   :19043.1   Max.   :1.0000    Max.   :49039.57   Max.   :40761.2  
##                                                                          
##  INSTALLMENTS_PURCHASES  CASH_ADVANCE     PURCHASES_FREQUENCY
##  Min.   :    0.0        Min.   :    0.0   Min.   :0.00000    
##  1st Qu.:    0.0        1st Qu.:    0.0   1st Qu.:0.08333    
##  Median :   89.0        Median :    0.0   Median :0.50000    
##  Mean   :  411.1        Mean   :  978.9   Mean   :0.49035    
##  3rd Qu.:  468.6        3rd Qu.: 1113.8   3rd Qu.:0.91667    
##  Max.   :22500.0        Max.   :47137.2   Max.   :1.00000    
##                                                              
##  ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
##  Min.   :0.00000            Min.   :0.0000                  
##  1st Qu.:0.00000            1st Qu.:0.0000                  
##  Median :0.08333            Median :0.1667                  
##  Mean   :0.20246            Mean   :0.3644                  
##  3rd Qu.:0.30000            3rd Qu.:0.7500                  
##  Max.   :1.00000            Max.   :1.0000                  
##                                                             
##  CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX  PURCHASES_TRX     CREDIT_LIMIT  
##  Min.   :0.0000         Min.   :  0.000   Min.   :  0.00   Min.   :   50  
##  1st Qu.:0.0000         1st Qu.:  0.000   1st Qu.:  1.00   1st Qu.: 1600  
##  Median :0.0000         Median :  0.000   Median :  7.00   Median : 3000  
##  Mean   :0.1351         Mean   :  3.249   Mean   : 14.71   Mean   : 4494  
##  3rd Qu.:0.2222         3rd Qu.:  4.000   3rd Qu.: 17.00   3rd Qu.: 6500  
##  Max.   :1.5000         Max.   :123.000   Max.   :358.00   Max.   :30000  
##                                                            NA's   :1      
##     PAYMENTS       MINIMUM_PAYMENTS   PRC_FULL_PAYMENT     TENURE     
##  Min.   :    0.0   Min.   :    0.02   Min.   :0.0000   Min.   : 6.00  
##  1st Qu.:  383.3   1st Qu.:  169.12   1st Qu.:0.0000   1st Qu.:12.00  
##  Median :  856.9   Median :  312.34   Median :0.0000   Median :12.00  
##  Mean   : 1733.1   Mean   :  864.21   Mean   :0.1537   Mean   :11.52  
##  3rd Qu.: 1901.1   3rd Qu.:  825.49   3rd Qu.:0.1429   3rd Qu.:12.00  
##  Max.   :50721.5   Max.   :76406.21   Max.   :1.0000   Max.   :12.00  
##                    NA's   :313
# Verificacion de datos perdidos
library(DataExplorer)
plot_missing(creditonum)

# Para ver las variables con valores perdidos 
which(colSums(is.na(creditonum))!=0)
##     CREDIT_LIMIT MINIMUM_PAYMENTS 
##               13               15
# Graficar la cantidad de valores perdidos
library(VIM)
#windows()
graf_perdidos1 <- aggr(creditonum,prop = F, 
                       numbers = TRUE,
                       sortVars=T,
                       cex.axis=0.5)

## 
##  Variables sorted by number of missings: 
##                          Variable Count
##                  MINIMUM_PAYMENTS   313
##                      CREDIT_LIMIT     1
##                           BALANCE     0
##                 BALANCE_FREQUENCY     0
##                         PURCHASES     0
##                  ONEOFF_PURCHASES     0
##            INSTALLMENTS_PURCHASES     0
##                      CASH_ADVANCE     0
##               PURCHASES_FREQUENCY     0
##        ONEOFF_PURCHASES_FREQUENCY     0
##  PURCHASES_INSTALLMENTS_FREQUENCY     0
##            CASH_ADVANCE_FREQUENCY     0
##                  CASH_ADVANCE_TRX     0
##                     PURCHASES_TRX     0
##                          PAYMENTS     0
##                  PRC_FULL_PAYMENT     0
##                            TENURE     0
library(visdat)

#Visualización gráfica de proporción de datos perdidos y donde se producen.
vis_dat(credito)

#Determinación del porcentaje de datos perdidos.
library(visdat)
vis_miss(credito ,sort_miss = TRUE) 

# Resumen de datos perdidos
summary(graf_perdidos1)
## 
##  Missings per variable: 
##                          Variable Count
##                           BALANCE     0
##                 BALANCE_FREQUENCY     0
##                         PURCHASES     0
##                  ONEOFF_PURCHASES     0
##            INSTALLMENTS_PURCHASES     0
##                      CASH_ADVANCE     0
##               PURCHASES_FREQUENCY     0
##        ONEOFF_PURCHASES_FREQUENCY     0
##  PURCHASES_INSTALLMENTS_FREQUENCY     0
##            CASH_ADVANCE_FREQUENCY     0
##                  CASH_ADVANCE_TRX     0
##                     PURCHASES_TRX     0
##                      CREDIT_LIMIT     1
##                          PAYMENTS     0
##                  MINIMUM_PAYMENTS   313
##                  PRC_FULL_PAYMENT     0
##                            TENURE     0
## 
##  Missings in combinations of variables: 
##                       Combinations Count     Percent
##  0:0:0:0:0:0:0:0:0:0:0:0:0:0:0:0:0  8636 96.49162011
##  0:0:0:0:0:0:0:0:0:0:0:0:0:0:1:0:0   313  3.49720670
##  0:0:0:0:0:0:0:0:0:0:0:0:1:0:0:0:0     1  0.01117318

De la libreria DMwR2 con la funcion centralImputation() + Si la variable es numerica (numeric o integer) reemplaza los valores faltantes con la mediana. + Si la variable es categorica (factor) reemplaza los valores faltantes con la moda.

#Imputacion con el paquete DMwR
library(DMwR2)
creditonum_im <- centralImputation(creditonum)
plot_missing(creditonum_im) 

Estandarización de datos

# Para estandarizar los datos (center y scale)
credito_st <- as.data.frame(scale(creditonum_im))
str(credito_st)
## 'data.frame':    8950 obs. of  17 variables:
##  $ BALANCE                         : num  -0.7319 0.7869 0.4471 0.0491 -0.3588 ...
##  $ BALANCE_FREQUENCY               : num  -0.249 0.134 0.518 -1.017 0.518 ...
##  $ PURCHASES                       : num  -0.425 -0.47 -0.108 0.232 -0.462 ...
##  $ ONEOFF_PURCHASES                : num  -0.357 -0.357 0.109 0.546 -0.347 ...
##  $ INSTALLMENTS_PURCHASES          : num  -0.349 -0.455 -0.455 -0.455 -0.455 ...
##  $ CASH_ADVANCE                    : num  -0.467 2.605 -0.467 -0.369 -0.467 ...
##  $ PURCHASES_FREQUENCY             : num  -0.806 -1.222 1.27 -1.014 -1.014 ...
##  $ ONEOFF_PURCHASES_FREQUENCY      : num  -0.679 -0.679 2.673 -0.399 -0.399 ...
##  $ PURCHASES_INSTALLMENTS_FREQUENCY: num  -0.707 -0.917 -0.917 -0.917 -0.917 ...
##  $ CASH_ADVANCE_FREQUENCY          : num  -0.675 0.574 -0.675 -0.259 -0.675 ...
##  $ CASH_ADVANCE_TRX                : num  -0.476 0.11 -0.476 -0.33 -0.476 ...
##  $ PURCHASES_TRX                   : num  -0.511 -0.592 -0.109 -0.552 -0.552 ...
##  $ CREDIT_LIMIT                    : num  -0.96 0.689 0.826 0.826 -0.905 ...
##  $ PAYMENTS                        : num  -0.529 0.819 -0.384 -0.599 -0.364 ...
##  $ MINIMUM_PAYMENTS                : num  -0.3024 0.0975 -0.0933 -0.2283 -0.2573 ...
##  $ PRC_FULL_PAYMENT                : num  -0.526 0.234 -0.526 -0.526 -0.526 ...
##  $ TENURE                          : num  0.361 0.361 0.361 0.361 0.361 ...
head(credito_st)
##      BALANCE BALANCE_FREQUENCY  PURCHASES ONEOFF_PURCHASES
## 1 -0.7319485        -0.2494205 -0.4248760       -0.3569141
## 2  0.7869169         0.1343172 -0.4695256       -0.3569141
## 3  0.4471102         0.5180549 -0.1076622        0.1088824
## 4  0.0490964        -1.0168960  0.2320449        0.5461589
## 5 -0.3587553         0.5180549 -0.4620372       -0.3472749
## 6  0.1178718         0.5180549  0.1544837       -0.3569141
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1             -0.3490593   -0.4667595          -0.8064453
## 2             -0.4545508    2.6054589          -1.2216898
## 3             -0.4545508   -0.4667595           1.2697723
## 4             -0.4545508   -0.3686327          -1.0140688
## 5             -0.4545508   -0.4667595          -1.0140688
## 6              1.0197650   -0.4667595           0.4392858
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                 -0.6786229                       -0.7072736
## 2                 -0.6786229                       -0.9169440
## 3                  2.6733017                       -0.9169440
## 4                 -0.3992970                       -0.9169440
## 5                 -0.3992970                       -0.9169440
## 6                 -0.6786229                        0.5507533
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT   PAYMENTS
## 1             -0.6753111       -0.4760432    -0.5113047   -0.9603247 -0.5289492
## 2              0.5739307        0.1100677    -0.5917628    0.6886400  0.8185964
## 3             -0.6753111       -0.4760432    -0.1090140    0.8260537 -0.3837833
## 4             -0.2588989       -0.3295155    -0.5515337    0.8260537 -0.5986548
## 5             -0.6753111       -0.4760432    -0.5515337   -0.9053593 -0.3643474
## 6             -0.6753111       -0.4760432    -0.2699303   -0.7404628 -0.1150531
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT    TENURE
## 1      -0.30238310       -0.5255216 0.3606594
## 2       0.09749408        0.2342138 0.3606594
## 3      -0.09328819       -0.5255216 0.3606594
## 4      -0.22829414       -0.5255216 0.3606594
## 5      -0.25725202       -0.5255216 0.3606594
## 6       0.66972926       -0.5255216 0.3606594
# Histograma para las variables numuricas
plot_histogram(credito_st)

# Gráfico de variables numéricas
library(funModeling)
plot_num(credito_st)

# Descripción de los datos
df_status(credito_st)
##                            variable q_zeros p_zeros q_na p_na q_inf p_inf
## 1                           BALANCE       0       0    0    0     0     0
## 2                 BALANCE_FREQUENCY       0       0    0    0     0     0
## 3                         PURCHASES       0       0    0    0     0     0
## 4                  ONEOFF_PURCHASES       0       0    0    0     0     0
## 5            INSTALLMENTS_PURCHASES       0       0    0    0     0     0
## 6                      CASH_ADVANCE       0       0    0    0     0     0
## 7               PURCHASES_FREQUENCY       0       0    0    0     0     0
## 8        ONEOFF_PURCHASES_FREQUENCY       0       0    0    0     0     0
## 9  PURCHASES_INSTALLMENTS_FREQUENCY       0       0    0    0     0     0
## 10           CASH_ADVANCE_FREQUENCY       0       0    0    0     0     0
## 11                 CASH_ADVANCE_TRX       0       0    0    0     0     0
## 12                    PURCHASES_TRX       0       0    0    0     0     0
## 13                     CREDIT_LIMIT       0       0    0    0     0     0
## 14                         PAYMENTS       0       0    0    0     0     0
## 15                 MINIMUM_PAYMENTS       0       0    0    0     0     0
## 16                 PRC_FULL_PAYMENT       0       0    0    0     0     0
## 17                           TENURE       0       0    0    0     0     0
##       type unique
## 1  numeric   8871
## 2  numeric     43
## 3  numeric   6203
## 4  numeric   4014
## 5  numeric   4452
## 6  numeric   4323
## 7  numeric     47
## 8  numeric     47
## 9  numeric     47
## 10 numeric     54
## 11 numeric     65
## 12 numeric    173
## 13 numeric    205
## 14 numeric   8711
## 15 numeric   8636
## 16 numeric     47
## 17 numeric      7
# Descripción de las variables numéricas
profiling_num(credito_st)
##                            variable          mean std_dev variation_coef
## 1                           BALANCE -4.166148e-17       1  -2.400299e+16
## 2                 BALANCE_FREQUENCY  1.634398e-16       1   6.118459e+15
## 3                         PURCHASES -1.950644e-18       1  -5.126512e+17
## 4                  ONEOFF_PURCHASES  4.059523e-17       1   2.463344e+16
## 5            INSTALLMENTS_PURCHASES  1.865327e-17       1   5.360991e+16
## 6                      CASH_ADVANCE -1.604997e-17       1  -6.230541e+16
## 7               PURCHASES_FREQUENCY  2.502245e-17       1   3.996411e+16
## 8        ONEOFF_PURCHASES_FREQUENCY -1.315382e-17       1  -7.602355e+16
## 9  PURCHASES_INSTALLMENTS_FREQUENCY  6.405602e-17       1   1.561133e+16
## 10           CASH_ADVANCE_FREQUENCY  1.353447e-17       1   7.388545e+16
## 11                 CASH_ADVANCE_TRX -1.933616e-17       1  -5.171657e+16
## 12                    PURCHASES_TRX -1.239018e-17       1  -8.070909e+16
## 13                     CREDIT_LIMIT  7.231110e-17       1   1.382914e+16
## 14                         PAYMENTS -3.326757e-17       1  -3.005930e+16
## 15                 MINIMUM_PAYMENTS  3.083174e-18       1   3.243411e+17
## 16                 PRC_FULL_PAYMENT  1.128662e-17       1   8.860051e+16
## 17                           TENURE  2.960341e-16       1   3.377989e+15
##          p_01       p_05        p_25        p_50         p_75      p_95
## 1  -0.7515665 -0.7473632 -0.68996921 -0.33201009  0.235242714 2.0872306
## 2  -3.3193265 -2.5518510  0.04904212  0.51805488  0.518054879 0.5180549
## 3  -0.4695256 -0.4695256 -0.45097545 -0.30043732  0.050043726 1.4019311
## 4  -0.3569141 -0.3569141 -0.35691408 -0.33402097 -0.009056257 1.2522873
## 5  -0.4545508 -0.4545508 -0.45455083 -0.35613632  0.063659658 1.4806629
## 6  -0.4667595 -0.4667595 -0.46675948 -0.46675948  0.064348823 1.7491709
## 7  -1.2216898 -1.2216898 -1.01406879  0.02404124  1.062151276 1.2697723
## 8  -0.6786229 -0.6786229 -0.67862289 -0.39929696  0.326954491 2.6733017
## 9  -0.9169440 -0.9169440 -0.91694396 -0.49760082  0.970096395 1.5991098
## 10 -0.6753111 -0.6753111 -0.67531113 -0.67531113  0.435124903 2.2395847
## 11 -0.4760432 -0.4760432 -0.47604322 -0.47604322  0.110067702 1.7218727
## 12 -0.5917628 -0.5917628 -0.55153375 -0.31015935  0.092131303 1.7012939
## 13 -1.0977385 -0.9603247 -0.79542828 -0.41066984  0.551226236 2.0627772
## 14 -0.5986548 -0.5675712 -0.46626527 -0.30266771  0.058026516 1.5021938
## 15 -0.3535961 -0.3301891 -0.28894519 -0.22829414 -0.024088413 0.8036121
## 16 -0.5255216 -0.5255216 -0.52552161 -0.52552161 -0.037120268 2.8932912
## 17 -4.1225372 -2.6281384  0.36065939  0.36065939  0.360659394 0.3606594
##         p_99    skewness   kurtosis       iqr
## 1  3.7349080  2.39298490  10.669794 0.9252119
## 2  0.5180549 -2.02292641   6.089972 0.4690128
## 3  3.7320768  8.14290404 114.325882 0.5010192
## 4  3.6734172 10.04339927 167.095191 0.3478578
## 5  3.8427805  7.29789654  99.520563 0.5182105
## 6  4.1052072  5.16574312  55.869216 0.5311083
## 7  1.2697723  0.06015415   1.361614 2.0762201
## 8  2.6733017  1.53535541   4.160526 1.0055774
## 9  1.5991098  0.50911582   1.601479 1.8870404
## 10 3.4888265  1.82837977   6.332201 1.1104360
## 11 3.7732610  5.72033928  64.611758 0.5861109
## 12 4.0953256  4.62987914  37.772995 0.6436651
## 13 3.4369145  1.52238075   5.835116 1.3466545
## 14 4.1020070  5.90662964  57.739472 0.5242918
## 15 3.3358241 13.85012475 296.555553 0.2648568
## 16 2.8932912  1.94249431   5.430366 0.4884013
## 17 0.3606594 -2.94252402  10.689855 0.0000000
##                                  range_98
## 1  [-0.751566546987758, 3.73490796035832]
## 2  [-3.31932646420056, 0.518054878864647]
## 3  [-0.469525649414068, 3.73207683134817]
## 4   [-0.35691408120146, 3.67341720184473]
## 5   [-0.45455083424524, 3.84278047888461]
## 6  [-0.466759476151324, 4.10520719921743]
## 7   [-1.22168980074932, 1.26977228649778]
## 8  [-0.678622892777191, 2.67330172076504]
## 9  [-0.916943961286405, 1.59910984744428]
## 10  [-0.675311127842014, 3.4888264874028]
## 11 [-0.476043220613547, 3.77326096861664]
## 12 [-0.591762814625347, 4.09532563388242]
## 13  [-1.09773847265287, 3.43691447746774]
## 14 [-0.598654813004152, 4.10200696280094]
## 15 [-0.353596051481219, 3.33582406894981]
## 16 [-0.525521609873799, 2.89329120354813]
## 17 [-4.12253723970077, 0.360659393995693]
##                                   range_80
## 1    [-0.740271774881679, 1.3327150337213]
## 2    [-1.7843756154221, 0.518054878864647]
## 3  [-0.469525649414068, 0.720487740600691]
## 4   [-0.35691408120146, 0.607066066608701]
## 5   [-0.45455083424524, 0.806117029763679]
## 6  [-0.466759476151324, 0.994993033579468]
## 7    [-1.22168980074932, 1.26977228649778]
## 8   [-0.678622892777191, 1.83532056737948]
## 9   [-0.916943961286405, 1.59910984744428]
## 10  [-0.675311127842014, 1.40676017826396]
## 11 [-0.476043220613547, 0.989234086017551]
## 12 [-0.591762814625347, 0.896712617481659]
## 13  [-0.905359256587151, 1.37570859104928]
## 14  [-0.536612286800153, 0.75672350398168]
## 15 [-0.315405461511987, 0.380138087021043]
## 16  [-0.525521609873799, 1.76508400076278]
## 17  [-1.13373948390313, 0.360659393995693]

Graficando cada variable usando ggplot2

ggplot(credito_st, aes(x=" ",y=BALANCE )) + 
  geom_boxplot(fill="red") +
  labs(title = "Monto del saldo que queda en su cuenta para realizar compras",x=" ")   -> g1; g1

ggplot(credito_st, aes(x=" ",y=BALANCE_FREQUENCY)) + 
  geom_boxplot(fill="green") +
  labs(title = "recuencia de actualizaci?n del saldo",x=" ")        -> g2; g2

ggplot(credito_st, aes(x=" ",y=PURCHASES)) + 
  geom_boxplot(fill="blue") +
  labs(title = "cantidad de compras realizadas desde la cuenta",x=" ")         -> g3; g3

ggplot(credito_st, aes(x=" ",y=ONEOFF_PURCHASES)) + 
  geom_boxplot(fill="yellow") +
  labs(title = "cantidad m?xima de compra realizada",x=" ")           -> g4; g4

ggplot(credito_st, aes(x=" ",y=INSTALLMENTS_PURCHASES)) + 
  geom_boxplot(fill="aliceblue") +
  labs(title = "cantidad de compra a plazos",x=" ")                 -> g5; g5

ggplot(credito_st, aes(x=" ",y=CASH_ADVANCE)) + 
  geom_boxplot(fill="dodgerblue") +
  labs(title = "pago por adelantado dado por el usuario",x=" ")       -> g6; g6

ggplot(credito_st, aes(x=" ",y=PURCHASES_FREQUENCY)) + 
  geom_boxplot(fill="bisque2") +
  labs(title = "Con qu? frecuencia se realizan las Compras",x=" ")     -> g7; g7

ggplot(credito_st, aes(x=" ",y=ONEOFF_PURCHASES_FREQUENCY)) + 
  geom_boxplot(fill="brown1") +
  labs(title = "Con qu? frecuencia se realizan Compras en one-go",x=" ") -> g8; g8

ggplot(credito_st, aes(x=" ",y=PURCHASES_INSTALLMENTS_FREQUENCY)) + 
  geom_boxplot(fill="burlywood") +
  labs(title = "Frecuencia con la que se realizan las compras a plazos",x=" ")         -> g9; g9 

ggplot(credito_st, aes(x=" ",y=CASH_ADVANCE_FREQUENCY)) + 
  geom_boxplot(fill="coral") +
  labs(title = "Frecuencia con la que se paga el anticipo de efectivo",x=" ")          -> g10; g10

ggplot(credito_st, aes(x=" ",y=CASH_ADVANCE_TRX )) + 
  geom_boxplot(fill="red") +
  labs(title = "N?mero de transacciones realizadas con Efectivo en anticipo",x=" ")   -> g11; g11

ggplot(credito_st, aes(x=" ",y=PURCHASES_TRX)) + 
  geom_boxplot(fill="green") +
  labs(title = "N?mero de transacciones de compra realizado",x=" ")        -> g12; g12

ggplot(credito_st, aes(x=" ",y=CREDIT_LIMIT)) + 
  geom_boxplot(fill="blue") +
  labs(title = "L?mite de tarjeta de cr?dito",x=" ")         -> g13; g13

ggplot(credito_st, aes(x=" ",y=PAYMENTS)) + 
  geom_boxplot(fill="yellow") +
  labs(title = "Monto del pago realizado por el usuario",x=" ")           -> g14; g14

ggplot(credito_st, aes(x=" ",y=MINIMUM_PAYMENTS)) + 
  geom_boxplot(fill="aliceblue") +
  labs(title = "Monto m?nimo de los pagos realizados por el usuario",x=" ")                 -> g15; g15

ggplot(credito_st, aes(x=" ",y=PRC_FULL_PAYMENT)) + 
  geom_boxplot(fill="dodgerblue") +
  labs(title = "Porcentaje del pago total pagado por el usuario",x=" ")       -> g16; g16

ggplot(credito_st, aes(x=" ",y=TENURE)) + 
  geom_boxplot(fill="bisque2") +
  labs(title = "Tenencia del servicio de tarjeta de cr?dito para el usuario",x=" ")     -> g17; g17

library(cowplot)
plot_grid(g1,g2,g3,g4,g5,g6,g7,g8,g9, ncol = 3)

plot_grid(g10, g11,g12,g13,g14,g15,g16,g17, ncol = 3)

—CLUSTER DE PARTICIÓN—-

k-means. es una técnica para encontrar y clasificar K grupos de datos (clusters).

Determinando el número de clusters.- Criterio de la Suma de Cuadrados (SSE)

# Usando la función kmeans()
set.seed(123)
wss <- numeric()
for(k in 1:10){
  b<-kmeans(credito_st,k)
  wss[k]<-b$tot.withinss
}
wss
##  [1] 152133.00 127770.02 111960.85  99050.87  92121.04  86360.82  79491.90
##  [8]  81335.79  73034.05  68183.62
wss1 <- data.frame(cluster=c(1:10),wss)
library(ggplot2)

ggplot(wss1,aes(cluster,wss)) + geom_line(color="red") + 
  geom_point(color="red") + 
  geom_vline(xintercept = 7, linetype = 2) +
  labs(title = "Metodo Elbow") + 
  scale_x_continuous(breaks=1:10)

# Usando la función fviz_nbclust() del paquete factoextra
library(factoextra)

set.seed(123) # Iniciamos una semilla
fviz_nbclust(credito_st, 
             kmeans, 
             method = "wss") +
  geom_vline(xintercept = 7, linetype = 2) +
  labs(subtitle = "Método Elbow")

Evaluación de grupos con coeficiente de silueta

# Usando la función k-means
library(cluster)

set.seed(123)
distancias_tc <- daisy(credito_st)
par(mfrow=c(1,4))
for(h in 2:8){
  clu=kmeans(credito_st,h)
  plot(silhouette(clu$cluster,distancias_tc))
}

par(mfrow=c(1,1))

# Usando el paquete factoextra
library(factoextra)
set.seed(123)
fviz_nbclust(credito_st, kmeans, method = "silhouette") +
  labs(subtitle = "Silhouette method")

# Criterio de C-H
library(fpc)
kmeansruns(credito_st,criterion="ch")
## K-means clustering with 2 clusters of sizes 5237, 3713
## 
## Cluster means:
##       BALANCE BALANCE_FREQUENCY  PURCHASES ONEOFF_PURCHASES
## 1  0.06257995        -0.2047935 -0.3397108       -0.2352350
## 2 -0.08826587         0.2888509  0.4791450        0.3317872
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1             -0.3708736    0.1818311          -0.7334872
## 2              0.5230986   -0.2564636           1.0345469
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                 -0.3804022                       -0.6539609
## 2                  0.5365381                        0.9223790
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT   PAYMENTS
## 1              0.2713543        0.1902565    -0.4563959   -0.1187027 -0.1120354
## 2             -0.3827316       -0.2683472     0.6437235    0.1674241  0.1580202
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT      TENURE
## 1     -0.006065258       -0.2834074 -0.08520623
## 2      0.008554742        0.3997319  0.12017910
## 
## Clustering vector:
##    [1] 1 1 2 1 1 2 2 2 1 1 2 1 2 2 1 1 1 1 2 2 1 2 2 2 1 2 1 2 1 1 2 2 1 2 2 1 1
##   [38] 2 1 1 1 1 1 1 2 1 1 1 2 1 1 2 1 1 1 1 1 2 1 1 1 1 1 1 2 1 1 1 2 1 2 2 1 1
##   [75] 1 2 2 2 1 1 2 1 1 2 2 2 2 2 1 1 2 1 1 1 1 1 2 1 1 1 1 2 2 2 1 1 2 1 1 2 2
##  [112] 1 2 1 2 2 2 1 1 1 2 1 2 1 1 2 1 2 1 1 1 2 1 1 2 1 2 2 2 2 1 1 1 2 2 1 2 1
##  [149] 1 2 2 2 2 2 2 1 2 1 2 1 1 1 2 1 2 1 2 2 2 2 1 2 1 1 2 1 1 1 2 1 2 1 1 1 2
##  [186] 2 1 2 1 1 1 1 1 2 1 2 2 2 1 1 1 1 2 1 2 1 1 1 2 1 1 1 1 2 1 1 2 1 1 2 2 2
##  [223] 1 2 2 1 2 2 1 2 2 2 2 1 2 2 1 1 1 1 1 2 2 1 2 1 2 2 1 2 1 2 1 2 1 1 1 2 2
##  [260] 1 1 2 2 2 1 2 2 2 1 2 2 1 2 2 2 1 1 1 2 2 2 2 1 2 1 1 1 1 1 1 2 1 1 1 2 2
##  [297] 1 1 2 2 1 2 1 2 1 2 2 2 1 2 2 2 2 1 1 1 1 2 2 2 1 1 1 1 1 2 2 2 1 2 1 2 2
##  [334] 2 1 1 1 2 1 2 1 1 1 1 2 1 2 2 2 2 1 2 1 1 1 2 2 1 1 1 2 1 1 2 1 2 1 2 1 1
##  [371] 2 2 1 2 2 1 2 2 1 1 1 1 1 1 2 1 1 1 2 1 1 2 1 2 1 1 2 1 1 2 2 2 1 2 1 1 1
##  [408] 1 1 2 1 2 1 1 2 2 1 2 2 2 1 1 1 2 2 1 1 1 1 1 1 1 1 1 1 1 2 2 1 2 1 1 1 2
##  [445] 2 2 2 1 1 1 2 2 2 1 2 2 2 2 1 2 2 2 2 2 1 1 2 2 2 1 1 1 2 1 1 1 2 2 1 1 1
##  [482] 2 1 1 2 2 1 2 1 2 2 1 2 1 2 1 1 1 2 2 2 2 2 2 2 2 2 2 1 2 2 2 1 2 2 2 1 1
##  [519] 2 1 1 2 1 2 2 1 1 1 2 2 2 2 1 1 2 1 2 1 1 2 2 1 1 1 2 2 2 2 2 1 2 2 1 2 1
##  [556] 2 1 1 1 1 2 1 1 2 1 2 2 2 1 1 1 1 1 1 2 1 1 1 1 1 1 2 1 1 2 2 1 2 1 2 2 2
##  [593] 1 1 1 1 1 2 2 1 1 1 1 2 2 1 1 2 1 2 2 1 2 2 1 1 2 2 1 2 2 1 2 2 2 1 2 2 2
##  [630] 2 2 1 1 2 2 1 1 1 1 2 2 1 2 2 2 2 1 2 1 1 1 2 2 1 1 2 2 1 2 1 1 2 2 1 2 2
##  [667] 2 1 2 2 1 1 2 1 1 2 1 2 1 1 1 1 2 2 2 1 2 1 1 2 2 2 2 2 1 2 1 2 2 2 1 1 1
##  [704] 1 2 1 1 1 2 2 1 1 2 2 1 2 1 1 1 1 1 1 1 1 1 2 2 1 2 2 1 1 1 2 2 1 1 1 1 1
##  [741] 1 2 1 1 1 2 1 1 2 2 1 1 1 1 1 1 2 1 2 2 1 2 1 1 1 1 1 1 1 2 1 2 1 2 1 1 2
##  [778] 2 1 2 1 1 2 2 2 2 1 1 1 1 2 2 1 1 1 2 1 2 2 1 1 2 1 1 2 1 2 2 1 2 2 2 1 1
##  [815] 1 1 2 1 2 1 1 1 1 1 2 1 1 2 2 1 1 1 1 1 2 2 2 2 2 1 2 1 2 2 2 1 1 2 1 2 1
##  [852] 1 1 1 2 1 2 2 1 2 1 2 2 2 2 1 1 1 1 1 1 2 1 1 2 1 2 1 1 1 1 2 1 1 2 1 2 2
##  [889] 2 2 2 2 1 1 2 2 2 1 1 2 1 1 1 1 1 2 1 1 1 1 1 1 2 2 2 1 2 2 1 2 1 2 1 2 1
##  [926] 2 2 1 1 1 1 2 2 1 2 1 2 1 2 1 1 2 1 1 2 1 1 1 1 2 2 2 2 1 1 1 1 1 1 1 2 1
##  [963] 1 2 2 2 2 2 1 1 2 2 1 2 1 2 2 1 1 1 1 2 2 1 1 2 1 1 2 1 2 2 1 2 2 1 2 1 2
## [1000] 2 1 1 1 1 1 2 2 1 2 1 2 1 1 1 1 2 1 1 2 2 1 1 2 2 1 2 1 1 1 1 1 2 1 2 1 1
## [1037] 1 1 2 1 1 1 1 2 1 2 1 2 1 1 1 1 2 2 2 2 2 2 2 2 1 2 2 1 1 1 1 1 1 1 1 2 1
## [1074] 1 1 1 1 1 1 2 1 2 1 1 2 1 1 2 1 1 1 1 1 1 1 2 1 1 2 1 1 2 2 2 1 1 1 1 1 1
## [1111] 1 2 1 1 1 1 2 1 2 1 1 1 1 1 1 2 2 1 2 1 1 1 1 1 1 2 1 2 2 2 1 1 2 1 1 1 1
## [1148] 1 2 2 2 2 2 2 1 1 2 1 2 2 2 2 1 1 1 1 1 1 1 2 1 1 1 1 1 1 2 2 1 1 1 1 1 2
## [1185] 2 2 1 2 1 1 2 1 1 2 1 1 2 2 2 2 1 2 2 1 1 2 2 1 1 1 1 1 2 2 1 1 2 1 2 1 2
## [1222] 2 1 1 2 1 2 1 1 1 2 1 2 1 2 1 1 1 1 1 2 2 2 1 1 1 1 2 2 1 2 1 1 1 1 2 2 2
## [1259] 2 1 1 1 1 2 2 2 1 1 2 2 2 2 1 1 1 2 1 2 1 2 1 2 1 1 1 2 2 2 2 1 2 1 2 2 1
## [1296] 1 2 2 1 1 2 2 2 1 2 2 2 1 2 1 1 2 1 1 2 1 1 1 2 1 1 2 2 1 1 2 2 1 1 2 1 2
## [1333] 1 1 1 2 1 1 2 2 2 1 2 2 1 1 2 1 1 2 2 2 2 1 1 1 1 2 2 1 2 2 2 1 1 1 2 2 2
## [1370] 2 2 1 1 2 2 1 1 2 1 1 2 2 2 1 2 1 1 1 1 1 2 1 1 1 1 2 2 1 2 2 1 2 1 2 2 1
## [1407] 2 1 1 2 1 2 2 1 1 2 2 1 1 1 2 1 2 2 2 1 1 2 1 1 1 2 2 2 2 1 2 2 2 2 1 1 1
## [1444] 2 2 1 2 2 2 1 1 1 2 1 2 2 1 2 1 2 2 1 1 2 1 2 2 1 2 1 1 2 1 1 2 1 1 2 2 2
## [1481] 1 1 2 2 2 1 1 1 1 1 2 1 1 1 2 1 2 2 2 2 1 2 2 2 1 1 1 2 1 1 2 1 1 1 2 1 1
## [1518] 1 1 2 2 1 2 2 2 1 2 2 1 1 1 1 2 2 2 1 1 1 1 2 1 2 1 1 1 2 1 1 1 2 1 1 2 2
## [1555] 2 1 2 2 1 2 2 1 1 1 1 1 2 2 2 2 1 1 2 1 1 2 1 1 1 1 1 1 2 1 1 2 2 1 2 1 2
## [1592] 2 2 2 1 2 2 2 2 1 1 2 1 2 2 2 2 2 1 2 2 1 1 1 2 2 2 2 2 2 1 1 1 2 2 1 1 1
## [1629] 2 1 1 2 1 1 2 1 1 1 2 2 1 2 2 1 2 1 1 2 1 2 2 1 1 2 2 1 2 2 2 1 1 2 1 2 2
## [1666] 1 2 2 1 2 2 1 2 2 2 1 1 2 2 1 1 2 1 1 2 2 1 2 1 1 2 1 1 1 1 1 1 2 1 1 1 1
## [1703] 2 2 2 1 1 2 2 2 1 2 1 1 2 2 2 2 1 2 2 2 1 2 1 1 1 2 2 2 1 1 1 1 2 1 1 1 2
## [1740] 2 1 2 2 1 2 2 2 2 1 2 1 2 1 2 2 2 2 1 2 2 1 1 2 2 2 2 1 2 2 1 2 2 2 2 1 2
## [1777] 1 1 1 1 1 2 2 1 2 1 1 1 2 1 2 2 1 1 1 1 2 2 1 1 1 1 1 2 1 2 2 1 1 1 1 1 1
## [1814] 2 2 2 1 2 1 1 1 2 2 2 2 1 2 2 2 2 1 1 1 1 2 2 2 2 2 1 2 2 2 2 2 2 1 1 2 1
## [1851] 1 2 1 1 1 2 1 2 1 1 2 2 2 1 2 2 1 2 1 1 2 2 1 2 1 2 2 1 2 1 2 2 1 1 2 1 1
## [1888] 1 1 1 1 2 1 2 1 1 1 1 2 1 1 1 2 2 1 1 2 1 2 1 2 1 2 1 2 2 1 1 2 1 1 2 1 1
## [1925] 1 1 2 1 1 2 2 2 1 1 1 1 2 1 1 1 1 1 1 2 2 1 2 2 2 2 1 1 2 2 2 1 2 2 1 2 1
## [1962] 2 1 2 2 1 1 2 2 1 1 1 1 2 1 2 1 2 1 2 1 1 1 2 1 2 2 1 1 2 2 2 1 2 1 1 2 2
## [1999] 1 2 1 1 1 1 2 1 1 2 1 2 1 1 2 1 1 2 2 1 2 1 1 1 2 2 2 2 1 1 1 2 2 2 2 2 1
## [2036] 1 1 2 1 1 2 1 2 1 1 1 2 2 1 1 1 2 1 1 2 2 1 1 1 2 1 1 1 1 1 1 1 2 2 2 1 2
## [2073] 1 1 2 1 2 2 1 2 1 2 2 1 2 1 2 1 2 1 1 1 2 2 2 2 1 1 1 1 1 1 2 1 1 1 1 2 1
## [2110] 2 2 1 2 1 1 2 2 1 1 1 1 1 2 1 2 2 2 1 2 2 1 1 2 1 2 1 2 1 2 1 2 1 1 2 1 1
## [2147] 2 2 1 1 2 1 2 2 2 1 1 2 2 1 1 2 2 1 2 2 1 1 2 1 1 1 2 1 1 2 2 2 2 1 1 1 2
## [2184] 2 1 2 1 2 2 1 1 1 1 1 1 1 1 2 1 1 1 1 1 2 2 2 1 2 2 2 1 1 2 1 2 1 2 2 2 1
## [2221] 2 1 2 1 1 2 1 1 1 1 2 1 2 2 1 2 2 1 2 2 1 2 1 1 2 2 1 1 1 1 2 2 1 2 1 2 2
## [2258] 2 1 2 1 2 2 1 1 2 1 1 1 1 1 1 2 1 2 1 2 2 1 2 1 1 1 1 1 2 2 2 2 1 2 2 1 2
## [2295] 1 1 2 1 1 1 1 2 1 2 1 1 1 1 2 2 2 2 2 1 2 1 1 2 2 1 1 1 1 1 1 2 1 2 1 1 1
## [2332] 2 2 1 2 1 2 2 1 2 1 2 1 1 1 2 2 2 1 1 1 2 1 1 2 2 1 2 1 2 2 2 2 2 1 1 1 1
## [2369] 2 2 1 1 2 2 2 1 2 1 1 2 2 2 2 1 2 1 1 1 2 1 1 2 2 1 1 2 1 1 2 1 2 1 1 1 2
## [2406] 2 2 1 1 2 1 2 1 1 1 2 2 2 2 1 2 2 1 1 1 1 1 1 1 1 1 2 1 2 2 2 2 1 2 1 2 2
## [2443] 1 2 2 2 2 1 1 1 1 1 2 2 1 1 1 2 1 1 1 1 1 1 2 1 1 2 2 2 1 2 1 2 1 1 2 2 1
## [2480] 2 2 1 1 1 2 2 1 1 1 1 1 2 2 1 1 1 1 1 2 2 2 2 1 2 1 1 2 1 2 2 1 1 1 1 1 2
## [2517] 1 1 2 1 1 1 2 2 2 1 1 2 2 1 2 1 1 1 2 1 2 1 1 2 1 1 1 1 2 2 1 1 1 2 2 2 1
## [2554] 2 1 1 1 1 2 1 2 1 1 1 1 1 1 2 2 1 1 1 1 2 2 1 1 1 2 1 1 1 2 2 1 1 2 1 2 1
## [2591] 2 2 1 1 2 1 1 1 1 1 2 2 1 1 1 1 1 1 1 2 1 1 1 2 1 1 2 1 2 1 2 1 2 1 2 1 1
## [2628] 2 1 2 1 1 2 1 1 2 1 1 1 1 2 2 1 1 1 1 2 2 1 2 1 1 1 2 1 2 2 1 1 1 1 1 2 1
## [2665] 2 2 2 1 2 1 1 2 1 1 1 1 1 1 2 2 1 1 1 2 1 1 2 2 2 1 1 1 1 1 1 1 2 2 2 1 1
## [2702] 1 2 1 1 1 1 2 1 2 1 1 2 1 1 2 1 2 2 2 1 2 1 2 2 1 1 1 2 1 1 2 2 1 2 1 1 2
## [2739] 1 1 1 1 1 2 2 2 1 1 2 2 2 2 2 1 1 1 1 2 2 2 2 2 1 2 1 2 1 2 2 1 1 1 1 1 1
## [2776] 1 2 1 2 1 1 2 2 2 2 1 2 1 1 1 1 1 1 2 1 1 2 1 1 2 2 2 1 2 1 1 2 1 1 2 2 2
## [2813] 1 2 1 1 2 1 1 1 1 1 2 2 1 1 1 2 1 1 1 1 2 2 2 1 1 2 1 1 1 1 2 2 1 1 1 2 2
## [2850] 2 1 1 2 2 2 1 2 1 1 1 1 1 1 1 1 1 1 1 2 1 2 2 2 2 1 2 1 2 1 1 1 1 1 1 1 2
## [2887] 1 1 1 1 1 2 2 1 1 1 1 2 1 2 2 2 1 2 2 2 2 1 1 1 1 1 1 2 2 1 2 2 2 1 1 1 1
## [2924] 1 1 1 1 2 1 1 2 2 2 1 2 1 1 1 1 1 2 1 1 1 1 1 1 1 2 1 1 2 1 1 1 1 1 1 2 2
## [2961] 1 2 1 1 1 1 1 1 1 1 2 1 2 1 1 2 2 2 2 1 1 2 1 1 1 2 1 2 2 1 2 1 1 2 1 1 1
## [2998] 2 2 1 2 1 1 1 2 1 2 2 2 1 2 2 1 2 1 2 2 1 2 2 2 1 2 2 1 2 2 1 2 1 2 1 1 1
## [3035] 1 1 1 1 1 1 1 2 2 1 1 1 1 2 1 1 1 1 2 1 2 2 2 2 2 2 1 1 1 1 2 1 1 1 1 2 1
## [3072] 1 2 2 2 1 1 1 1 1 2 2 1 1 1 2 1 1 2 1 1 1 1 2 1 1 1 1 1 1 2 2 1 1 1 2 1 1
## [3109] 2 1 1 2 2 1 1 1 2 1 2 1 1 2 2 2 2 1 2 1 2 1 2 1 2 1 2 1 1 1 2 2 2 1 1 1 1
## [3146] 2 2 1 1 2 2 2 1 1 2 1 2 2 2 2 2 1 1 1 1 1 1 1 1 1 2 2 2 1 1 1 2 2 1 1 2 2
## [3183] 1 1 1 2 1 1 2 1 1 2 1 1 1 2 2 1 1 1 2 1 1 2 1 2 1 1 1 1 1 1 1 1 1 1 1 1 1
## [3220] 1 1 1 1 1 2 1 1 1 2 1 2 2 1 2 2 1 1 1 2 1 2 2 1 1 1 1 2 1 1 2 1 2 1 1 1 2
## [3257] 2 1 2 1 1 1 1 1 1 1 1 2 1 2 2 1 1 1 1 2 2 2 2 1 1 2 2 1 2 1 2 2 2 1 1 1 2
## [3294] 1 1 1 1 1 1 2 1 2 1 1 2 1 1 1 1 1 2 1 2 2 2 2 1 1 1 1 2 1 1 1 2 2 1 2 1 1
## [3331] 2 1 2 1 1 2 2 1 1 1 1 1 1 1 1 1 1 2 2 1 2 1 1 2 2 1 2 1 2 1 1 1 2 1 1 1 1
## [3368] 1 2 2 2 2 1 1 2 1 1 2 2 2 1 1 2 1 1 1 1 2 2 1 1 2 2 1 2 1 2 1 2 2 1 1 2 2
## [3405] 2 1 1 2 2 1 2 2 1 1 1 1 1 2 1 2 1 2 1 2 1 2 1 2 2 1 1 1 1 2 2 2 2 2 2 2 1
## [3442] 1 2 1 1 1 2 2 1 2 1 2 2 1 2 1 2 1 1 1 2 1 2 2 1 2 1 2 1 1 1 1 1 1 1 2 2 1
## [3479] 1 2 1 1 1 1 1 2 1 1 2 2 1 2 2 2 1 2 1 1 2 2 1 1 1 2 1 1 2 1 1 2 2 2 1 2 1
## [3516] 1 1 1 2 1 2 2 2 1 1 2 2 2 1 1 2 2 1 1 1 1 2 2 2 1 2 1 1 2 2 1 1 1 1 1 2 1
## [3553] 1 2 2 1 1 2 1 1 1 2 2 1 1 1 1 1 2 2 1 1 1 1 1 1 2 1 2 1 1 2 2 1 2 2 1 2 1
## [3590] 2 1 1 1 1 1 2 1 2 1 1 1 2 1 1 1 1 1 2 2 2 1 2 1 2 1 1 1 1 1 1 2 1 1 1 1 1
## [3627] 1 2 1 1 2 2 2 2 1 1 2 2 2 1 1 1 1 2 2 1 2 1 1 1 2 1 2 1 1 1 1 1 2 2 2 2 1
## [3664] 2 2 1 1 1 2 2 2 2 1 2 2 1 2 1 1 1 2 1 2 1 1 1 1 2 2 2 2 2 2 2 2 2 1 2 2 1
## [3701] 1 1 2 1 1 2 1 2 2 2 2 2 2 2 2 1 1 2 2 2 1 2 1 1 1 2 2 1 1 2 2 1 1 2 2 1 1
## [3738] 1 2 1 2 1 2 2 2 2 1 1 2 1 2 1 1 2 2 1 2 2 2 1 1 2 1 2 2 2 1 1 2 1 2 1 1 1
## [3775] 2 1 1 2 2 1 1 1 2 2 1 2 2 1 2 1 1 2 1 1 2 2 2 1 1 1 2 2 1 2 1 1 2 2 2 2 1
## [3812] 1 1 2 1 2 2 1 1 1 1 1 1 2 1 1 1 1 2 1 2 1 2 2 1 2 2 1 2 1 1 1 1 2 1 1 2 2
## [3849] 2 2 1 2 1 1 2 2 2 2 1 2 1 1 2 1 2 1 2 1 2 1 2 1 2 1 1 2 1 1 2 1 1 1 1 2 2
## [3886] 2 2 2 2 1 2 1 2 1 1 1 1 2 1 2 1 2 1 1 1 2 1 1 1 1 2 1 1 1 2 2 2 2 1 1 1 1
## [3923] 1 1 1 1 2 2 1 2 1 1 2 1 1 2 1 2 2 2 1 1 1 2 2 1 2 2 2 1 1 1 1 1 2 2 2 2 1
## [3960] 1 2 1 1 1 1 2 1 1 1 2 1 2 1 1 1 1 2 2 1 1 2 2 1 1 2 1 1 2 2 1 1 2 1 1 1 1
## [3997] 1 2 2 1 1 1 2 1 2 1 2 2 1 1 2 2 2 2 2 1 1 1 1 2 1 1 1 2 1 2 1 2 1 1 2 2 2
## [4034] 2 1 1 2 2 1 2 1 1 1 1 1 1 1 1 1 1 2 2 1 2 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
## [4071] 1 1 2 2 1 2 2 1 1 1 1 2 1 1 1 2 2 2 2 1 1 1 2 1 1 1 2 1 1 2 1 1 2 1 1 2 1
## [4108] 2 1 2 1 1 2 1 1 1 1 1 1 2 1 1 2 1 2 1 2 2 1 1 1 1 1 2 1 2 2 1 2 1 2 2 2 1
## [4145] 1 1 2 2 1 1 2 1 1 2 1 2 2 1 1 1 2 2 1 1 2 1 1 2 1 2 1 1 1 1 1 1 2 1 1 2 1
## [4182] 1 2 1 2 2 2 1 2 1 2 1 1 1 1 1 2 1 1 1 2 1 2 1 2 1 2 2 2 1 2 2 2 2 1 1 2 1
## [4219] 1 1 2 1 1 1 2 1 1 1 1 2 1 1 2 1 1 2 1 1 1 1 2 1 1 1 2 2 1 2 2 1 2 1 1 1 1
## [4256] 1 1 2 2 2 2 1 1 1 2 1 2 2 1 2 1 2 2 1 1 1 2 2 1 1 2 1 2 2 2 2 1 2 2 2 1 2
## [4293] 1 1 1 1 2 2 1 2 2 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 2 2 1 2 1 1
## [4330] 2 1 1 1 2 2 1 2 1 1 2 1 1 1 2 1 1 1 1 2 2 2 1 1 2 2 1 2 1 2 1 2 1 1 1 2 1
## [4367] 2 2 1 2 2 2 1 2 1 2 2 1 2 2 1 2 2 2 1 1 2 2 1 2 1 1 2 2 1 2 1 2 1 1 1 1 1
## [4404] 2 1 1 1 2 1 2 1 1 1 1 1 2 1 1 1 1 1 1 2 1 2 1 1 2 2 1 2 1 2 1 2 1 2 2 1 1
## [4441] 2 2 1 1 1 1 2 1 2 1 1 2 1 1 1 1 2 2 1 1 1 1 2 2 2 1 2 2 1 1 2 1 2 2 1 2 2
## [4478] 1 2 1 2 2 2 1 1 1 2 2 2 1 1 1 1 1 1 2 1 2 1 1 1 2 1 2 1 2 1 1 2 1 2 1 2 1
## [4515] 1 2 2 2 2 2 1 1 2 1 1 1 1 1 1 1 1 2 2 1 2 2 2 2 1 1 2 2 2 1 1 1 2 2 1 1 2
## [4552] 2 2 2 1 2 1 2 1 2 1 2 1 1 1 1 1 2 1 1 1 1 2 2 1 2 1 2 1 1 1 2 1 1 2 2 2 1
## [4589] 2 1 2 1 1 2 1 1 1 1 2 1 1 2 1 1 1 1 2 1 1 1 2 1 1 2 2 1 2 1 2 1 1 1 1 1 1
## [4626] 2 1 1 1 1 2 1 1 2 1 1 2 1 2 2 1 2 1 2 1 2 1 1 2 1 1 2 2 1 1 2 1 2 1 2 1 2
## [4663] 2 1 1 1 2 1 2 1 2 1 2 1 2 1 1 2 1 1 2 1 1 2 1 1 1 1 1 1 1 1 2 1 1 1 2 1 1
## [4700] 1 1 1 1 2 1 1 2 2 2 2 1 1 2 1 1 1 2 1 1 1 1 1 1 1 1 2 2 2 1 2 1 1 2 2 1 1
## [4737] 2 1 1 1 1 2 1 1 2 1 1 1 1 2 1 2 1 2 1 1 2 1 2 2 2 1 2 2 1 1 1 1 2 1 1 1 1
## [4774] 2 2 1 1 1 1 1 1 1 1 1 2 1 1 2 1 1 2 1 2 1 1 2 1 2 1 1 1 1 2 1 1 1 1 1 2 1
## [4811] 1 1 1 2 1 2 1 2 1 1 2 1 2 2 2 1 2 1 2 2 2 1 2 1 2 1 1 1 1 1 1 2 2 1 2 2 1
## [4848] 1 1 2 1 1 1 2 1 1 2 2 2 2 2 1 2 1 1 2 1 2 2 2 1 1 1 1 1 2 2 1 1 2 1 2 2 1
## [4885] 1 2 1 1 2 2 1 2 1 2 1 1 2 2 1 1 2 2 1 2 2 2 2 1 1 1 1 2 1 2 1 1 1 2 1 2 2
## [4922] 2 1 1 2 2 1 2 1 1 1 1 1 1 1 1 1 2 1 2 2 1 1 1 1 1 1 1 1 1 2 2 1 1 1 1 1 1
## [4959] 2 2 1 1 1 1 2 2 1 1 1 1 2 1 1 1 1 1 1 1 1 2 2 2 2 2 2 1 1 1 1 1 2 1 2 2 1
## [4996] 1 1 1 1 1 2 2 1 1 1 1 1 1 2 2 2 1 1 2 2 1 2 1 2 1 2 2 2 2 1 1 1 2 2 1 1 1
## [5033] 1 1 1 1 1 2 1 2 1 1 1 1 2 1 2 1 2 2 2 2 1 1 2 2 2 1 2 1 1 1 1 2 2 2 1 1 1
## [5070] 1 2 1 1 1 2 2 2 1 2 1 2 2 1 1 1 1 2 2 2 2 1 2 1 2 2 2 1 1 2 1 1 1 1 1 1 2
## [5107] 1 1 2 1 2 2 1 1 1 1 1 1 2 1 2 1 1 1 1 1 1 2 2 2 1 1 1 2 1 2 2 2 1 1 1 1 2
## [5144] 2 1 1 1 1 2 2 1 1 1 2 1 1 2 2 1 2 2 1 1 1 2 2 1 2 2 1 1 1 1 1 2 2 2 2 1 1
## [5181] 1 1 1 1 1 1 1 1 1 2 2 1 1 1 2 1 2 2 1 2 2 1 2 1 1 1 2 2 2 1 1 1 2 1 1 1 1
## [5218] 2 2 1 1 2 2 1 1 1 2 1 1 2 1 2 1 2 1 1 2 1 2 2 2 1 1 1 1 1 1 1 1 2 2 2 1 1
## [5255] 1 2 2 1 2 1 2 1 2 1 2 1 1 2 2 1 1 1 2 2 1 2 2 1 2 1 2 2 1 1 1 1 2 1 2 1 2
## [5292] 2 1 1 2 1 1 1 2 2 1 1 2 2 2 1 2 1 2 2 2 1 1 1 1 1 1 1 2 1 1 1 2 1 1 2 1 2
## [5329] 1 2 1 2 1 1 2 1 1 2 2 1 2 1 2 2 2 1 1 2 2 1 2 2 1 1 2 2 1 2 2 2 1 2 1 1 2
## [5366] 2 1 2 1 1 1 1 1 1 1 1 1 2 1 1 1 1 1 1 1 1 1 1 2 1 1 1 2 2 1 2 1 2 1 1 2 2
## [5403] 1 1 2 1 1 2 1 2 1 1 1 1 1 1 2 1 2 2 2 2 1 1 2 2 2 2 1 1 2 2 2 1 1 1 1 1 2
## [5440] 1 1 1 1 1 2 1 1 2 1 1 2 1 1 2 2 2 2 1 1 2 2 1 2 1 1 1 1 1 1 1 1 2 2 1 2 2
## [5477] 2 1 2 2 1 1 1 1 1 1 1 1 1 1 2 2 2 1 1 2 2 1 1 1 2 2 1 1 1 1 2 1 1 2 1 1 2
## [5514] 1 2 2 2 1 1 1 1 2 1 2 2 2 1 2 1 1 1 2 1 2 1 1 1 1 1 2 2 1 2 1 2 2 1 2 1 2
## [5551] 1 2 1 1 2 2 2 1 2 2 2 1 1 2 1 1 1 2 1 1 2 2 1 2 1 2 1 2 2 2 1 1 2 2 2 1 2
## [5588] 1 1 2 1 1 1 1 1 1 1 2 1 2 1 1 1 2 1 1 2 1 2 1 1 1 1 1 2 2 1 1 1 1 2 1 1 1
## [5625] 2 1 1 2 1 2 1 1 1 1 2 1 1 2 1 1 1 1 1 1 1 2 1 1 1 2 1 2 2 1 2 1 2 2 1 1 2
## [5662] 1 1 1 2 1 2 1 1 1 2 1 2 2 2 1 1 1 2 2 1 1 1 2 1 1 1 2 1 2 1 1 1 1 2 2 1 1
## [5699] 2 2 1 1 1 1 1 1 2 2 2 1 1 1 1 2 1 1 2 1 2 2 1 1 1 1 2 1 1 1 2 2 2 1 2 1 2
## [5736] 1 1 1 2 1 1 1 2 1 2 1 1 2 1 1 2 2 1 1 1 2 1 2 1 1 1 1 2 2 1 1 1 1 1 1 2 2
## [5773] 1 1 1 1 2 1 2 1 1 2 1 2 1 1 2 2 2 1 1 1 1 1 2 2 1 1 2 1 1 1 1 1 2 2 2 2 1
## [5810] 2 1 1 2 1 1 2 2 1 1 2 1 2 1 1 2 1 2 1 1 1 1 2 2 1 2 1 2 1 1 2 1 2 1 1 2 1
## [5847] 1 2 1 2 1 1 2 1 1 2 2 2 2 1 2 2 2 1 1 1 2 1 1 2 1 1 2 2 1 2 1 1 1 2 1 2 1
## [5884] 2 1 1 2 1 1 1 2 1 2 1 2 1 1 2 1 1 1 2 1 1 2 2 1 2 1 1 1 1 1 1 1 1 1 1 1 1
## [5921] 1 1 2 1 1 2 1 2 1 2 2 1 2 1 1 2 2 2 1 1 2 2 1 1 2 2 1 1 2 2 1 2 2 1 1 2 1
## [5958] 2 1 2 2 2 2 2 2 2 1 1 1 1 1 1 2 1 1 2 2 1 2 1 1 2 1 1 1 1 2 1 1 1 1 1 1 1
## [5995] 1 1 1 2 1 1 2 1 2 1 1 1 1 2 1 2 1 1 2 1 1 1 1 1 2 2 1 2 1 1 1 2 2 2 2 1 2
## [6032] 1 2 2 2 2 2 1 2 1 2 2 1 2 1 1 2 1 2 2 2 1 1 1 1 2 1 2 2 1 2 1 1 2 1 2 1 1
## [6069] 1 2 1 1 2 1 1 1 2 2 2 1 2 2 1 1 2 1 2 1 1 1 2 2 1 2 2 2 2 2 1 2 2 1 1 2 1
## [6106] 2 1 1 2 2 1 1 1 2 2 1 1 1 1 1 1 2 1 1 1 1 1 2 2 1 1 2 1 2 2 1 1 1 1 2 1 2
## [6143] 1 1 1 2 1 2 2 2 1 2 1 2 1 2 2 2 1 1 2 1 1 1 1 2 1 1 1 1 1 2 1 2 2 1 2 1 1
## [6180] 1 1 1 1 2 2 2 1 1 1 1 2 2 1 2 1 1 1 1 2 2 1 1 1 1 1 1 2 1 1 1 2 1 1 2 1 1
## [6217] 2 1 2 2 1 1 2 1 1 1 1 1 1 1 2 1 1 2 1 1 1 1 2 2 1 1 2 1 1 1 1 1 2 2 1 1 1
## [6254] 2 2 1 2 1 2 1 1 1 1 1 2 1 1 2 2 1 1 2 1 2 1 2 2 1 1 2 2 2 1 2 2 1 1 2 1 1
## [6291] 2 1 2 1 1 1 2 2 2 1 1 1 2 2 2 2 2 1 1 1 1 2 1 1 1 2 2 2 1 2 2 1 1 2 1 2 1
## [6328] 1 1 2 1 2 2 1 2 1 2 1 1 1 1 1 1 1 1 2 1 2 1 2 1 1 2 2 1 1 1 1 2 1 1 1 2 1
## [6365] 1 1 1 1 2 2 1 1 2 1 2 2 1 1 1 1 2 2 2 2 1 1 1 1 2 1 2 1 2 1 1 2 1 1 1 1 2
## [6402] 1 1 2 2 1 1 2 1 1 1 1 1 1 1 2 1 1 1 1 2 1 1 2 2 1 2 1 2 2 1 2 2 1 1 2 1 1
## [6439] 2 1 2 2 1 2 2 1 1 1 1 1 2 2 1 2 1 1 1 1 2 2 2 1 1 1 1 1 1 2 1 1 2 1 1 1 1
## [6476] 1 1 1 1 1 2 1 2 2 2 1 1 2 1 2 2 1 1 2 1 2 2 1 1 2 2 1 1 2 1 2 1 2 2 1 2 2
## [6513] 2 1 1 1 2 1 2 2 2 1 1 2 1 1 1 2 2 2 1 1 1 2 1 2 2 1 1 2 1 2 1 2 1 1 1 2 1
## [6550] 1 1 1 1 2 2 1 2 1 1 2 2 1 1 2 1 1 1 1 1 2 2 1 1 1 2 2 1 2 2 1 1 2 1 2 1 1
## [6587] 1 2 2 1 1 1 2 1 1 1 1 1 1 1 2 1 2 2 1 1 1 1 2 2 2 2 1 2 1 1 2 2 1 1 1 1 1
## [6624] 2 2 2 2 2 1 2 1 1 2 2 2 2 2 1 2 1 2 1 1 1 1 1 1 2 2 1 2 2 1 1 1 1 2 1 1 1
## [6661] 2 2 1 1 2 1 2 1 1 1 2 1 1 2 1 1 1 1 2 1 1 1 2 1 1 1 2 2 2 2 1 2 1 2 1 1 1
## [6698] 2 2 1 1 1 1 1 2 2 2 1 2 2 1 1 1 2 1 2 1 2 1 1 1 1 2 1 2 1 1 1 1 1 2 1 2 1
## [6735] 1 2 1 2 1 1 2 1 1 1 1 2 2 2 1 2 2 2 2 2 1 1 1 2 1 1 1 1 1 2 2 1 1 1 1 2 1
## [6772] 1 1 1 1 1 1 2 2 2 1 2 2 1 2 1 1 1 2 1 1 1 1 1 1 2 1 2 2 2 1 1 1 1 2 2 1 2
## [6809] 1 2 1 1 1 1 2 1 1 1 2 1 2 2 1 1 1 2 1 2 2 1 2 2 1 2 1 2 1 2 2 1 1 1 1 1 1
## [6846] 1 2 2 1 1 2 1 1 1 1 1 2 2 1 1 2 2 1 1 1 2 1 1 1 2 1 2 1 2 1 2 1 1 1 2 1 1
## [6883] 1 2 1 1 1 2 2 1 2 1 1 2 1 2 2 2 1 1 1 1 2 2 2 1 2 1 1 1 1 2 1 1 1 1 2 1 2
## [6920] 1 1 2 2 1 2 2 1 1 2 2 1 1 1 2 1 1 1 2 2 1 2 1 1 1 2 1 1 1 2 1 2 1 2 1 2 1
## [6957] 1 2 1 1 1 2 1 1 1 1 1 2 1 1 2 1 2 1 1 2 1 2 2 1 2 1 2 2 1 1 2 2 2 1 2 1 2
## [6994] 1 1 1 1 1 2 2 2 1 1 1 2 1 1 1 2 2 1 1 1 2 2 1 2 1 2 2 1 1 2 1 1 2 1 1 2 2
## [7031] 2 2 1 1 1 2 1 2 2 2 1 1 1 1 1 1 2 2 2 2 1 2 1 1 1 2 1 1 2 1 2 1 2 1 1 1 1
## [7068] 2 1 1 1 2 2 1 1 1 1 1 2 2 1 2 2 1 2 1 1 1 1 1 1 1 1 1 2 1 1 1 2 1 2 1 1 1
## [7105] 1 1 2 1 1 1 1 2 1 1 2 2 1 1 2 1 2 2 2 1 2 2 2 2 2 1 1 1 1 1 2 1 2 2 2 1 1
## [7142] 2 1 1 1 2 1 1 2 2 2 2 2 1 2 1 1 1 1 2 1 1 2 1 1 1 1 1 1 1 1 1 1 1 1 2 2 2
## [7179] 1 1 1 1 2 1 2 1 1 2 2 1 2 1 1 1 1 2 2 1 1 1 1 2 1 1 1 1 2 1 2 2 1 1 1 1 1
## [7216] 1 1 1 1 1 2 1 1 2 2 1 2 1 1 2 2 1 2 1 1 2 1 1 1 1 1 1 2 1 1 2 2 1 2 1 1 1
## [7253] 2 1 2 1 1 1 1 1 1 1 2 2 1 2 1 1 1 2 2 2 1 1 1 1 1 2 1 2 1 2 2 1 2 1 2 1 1
## [7290] 2 1 1 1 1 2 1 1 1 2 1 1 2 1 1 1 1 2 1 2 2 1 2 2 1 1 1 2 2 1 2 2 2 2 1 1 1
## [7327] 1 1 2 1 2 2 1 1 2 1 2 2 1 1 2 2 2 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 1 1 1 2 2
## [7364] 1 1 2 2 1 2 2 2 2 2 2 1 1 2 2 2 1 1 1 2 1 1 2 1 2 2 1 1 1 1 1 1 1 1 1 1 1
## [7401] 1 1 1 1 2 1 1 1 2 2 1 2 1 1 1 1 2 2 1 2 1 1 1 1 1 1 1 2 1 2 1 2 1 2 1 1 2
## [7438] 1 2 1 1 1 1 1 2 1 2 2 1 1 1 1 1 1 1 2 1 1 2 1 1 1 2 1 1 1 2 1 1 1 2 1 1 2
## [7475] 1 1 1 2 1 2 1 2 1 1 2 2 1 1 1 1 2 2 2 1 2 1 1 2 2 1 1 1 1 1 2 2 1 2 2 1 2
## [7512] 2 2 2 2 1 2 2 1 1 1 2 2 2 1 1 2 2 1 1 2 1 1 1 1 1 2 1 1 1 1 1 1 1 2 1 1 2
## [7549] 1 1 1 2 1 2 2 1 2 1 1 1 1 2 1 2 2 2 1 2 2 2 2 2 1 1 1 2 1 2 1 2 2 2 1 1 1
## [7586] 1 2 2 1 2 2 1 1 1 2 2 1 2 2 1 1 1 2 1 2 1 2 1 1 2 2 2 1 2 1 2 1 1 1 2 1 1
## [7623] 1 1 1 1 1 2 2 2 2 1 2 1 1 1 1 1 2 1 1 1 1 1 2 1 2 1 1 1 1 2 1 2 2 2 1 2 1
## [7660] 2 2 2 2 1 1 2 1 1 1 1 2 1 1 1 1 1 2 1 2 1 2 1 1 1 1 1 1 2 1 2 1 2 2 1 2 1
## [7697] 1 2 1 1 2 1 1 1 2 1 2 2 1 1 1 2 1 2 1 2 1 1 2 1 2 2 1 1 1 1 1 2 1 2 2 1 1
## [7734] 2 1 2 2 1 1 2 1 1 2 1 2 1 1 1 1 1 1 2 2 1 1 1 1 1 2 2 1 2 2 1 1 2 2 1 2 1
## [7771] 2 2 1 1 1 1 1 1 2 1 2 1 1 1 2 1 2 1 1 1 1 1 2 2 2 2 2 2 1 1 2 2 1 1 2 1 2
## [7808] 1 1 2 1 1 1 2 1 1 2 2 2 2 2 1 2 1 1 2 1 2 1 2 1 2 2 1 2 1 1 2 1 1 1 1 1 2
## [7845] 1 1 1 2 1 1 2 1 2 1 1 2 1 1 1 1 1 1 1 1 2 1 1 1 2 1 1 2 1 2 1 1 2 2 1 2 2
## [7882] 1 2 1 2 1 2 1 2 2 2 1 2 2 1 2 2 1 2 2 2 1 1 1 1 2 1 2 1 1 2 2 2 1 2 2 2 2
## [7919] 1 1 1 2 1 2 1 1 2 1 1 2 2 1 2 2 1 2 1 2 1 1 1 2 2 2 1 1 1 1 2 1 2 1 1 1 1
## [7956] 2 1 1 1 1 1 2 2 1 1 2 1 1 2 2 1 1 2 1 1 2 2 2 1 1 2 2 1 1 2 1 2 1 2 2 1 1
## [7993] 1 1 1 1 1 1 2 1 1 1 1 2 2 2 2 1 2 1 1 1 1 1 1 2 2 2 1 1 1 2 2 2 2 1 2 2 1
## [8030] 1 1 1 1 2 1 2 1 1 1 2 2 1 2 1 2 2 1 2 1 1 2 1 1 1 2 1 2 2 2 2 1 2 2 2 1 2
## [8067] 2 1 2 1 1 2 1 2 2 1 1 1 2 2 2 1 1 1 1 1 1 1 1 2 2 1 2 1 2 1 2 1 2 2 2 1 1
## [8104] 2 2 1 2 1 2 1 2 1 2 1 1 1 2 2 2 1 1 1 1 2 2 2 1 1 2 2 2 1 1 1 1 2 1 1 1 1
## [8141] 1 2 1 1 2 1 1 1 1 1 1 1 2 1 1 2 1 1 1 2 1 2 1 1 1 1 2 1 2 1 1 1 2 1 2 2 2
## [8178] 2 1 2 1 2 2 2 1 2 2 1 1 2 1 1 1 1 1 1 2 1 1 2 1 2 2 1 1 2 1 1 1 2 1 1 1 1
## [8215] 2 2 1 1 1 1 1 2 1 1 2 1 1 1 1 1 1 1 1 1 2 1 2 1 1 2 1 1 1 1 1 2 2 2 2 1 1
## [8252] 1 2 2 1 2 2 1 1 2 1 2 2 2 1 1 1 1 1 1 2 2 1 2 2 2 1 1 1 2 1 1 1 1 1 2 2 1
## [8289] 1 2 2 2 2 1 1 2 1 1 1 2 2 1 1 2 1 1 1 1 1 1 2 2 2 2 1 1 1 1 1 1 1 1 1 1 1
## [8326] 2 2 1 1 1 2 2 1 1 2 2 1 2 1 2 1 2 1 1 1 2 1 1 2 2 1 1 2 1 1 2 2 2 2 1 1 2
## [8363] 2 2 1 1 1 2 1 2 1 1 2 2 1 2 1 1 2 2 2 2 2 2 1 2 1 1 2 2 1 1 2 1 2 1 2 1 1
## [8400] 2 1 1 1 1 1 1 2 2 1 1 1 1 1 2 2 2 1 2 1 1 2 1 1 1 1 1 1 1 1 2 1 1 1 1 1 1
## [8437] 2 2 1 2 1 1 1 2 1 1 2 1 1 1 1 1 2 1 2 2 2 1 1 1 2 1 2 1 1 2 2 1 1 2 2 1 1
## [8474] 1 1 2 1 1 1 1 1 1 2 1 1 1 2 1 2 2 1 1 2 2 1 2 2 1 2 1 1 1 1 1 1 1 1 1 1 2
## [8511] 1 2 1 2 2 1 1 2 1 1 2 1 2 1 1 1 2 2 1 1 1 1 1 2 2 2 1 2 2 1 1 2 1 2 1 1 1
## [8548] 2 2 1 1 1 2 2 1 2 1 2 2 1 1 1 2 2 1 1 1 1 1 1 2 2 2 2 1 1 2 1 1 1 1 1 1 1
## [8585] 1 1 1 1 2 2 2 1 1 1 1 1 1 1 1 1 2 2 1 2 2 1 2 1 2 1 1 2 1 2 1 1 1 2 2 1 2
## [8622] 1 1 1 2 1 1 1 1 2 2 2 2 1 1 1 2 1 1 1 2 1 1 2 2 1 1 1 1 1 2 1 2 1 2 1 1 2
## [8659] 1 2 1 2 2 1 2 1 2 2 1 2 1 1 1 1 1 1 1 2 1 1 1 2 2 1 1 1 1 1 1 2 1 1 1 2 1
## [8696] 2 2 1 2 1 1 1 2 1 2 1 2 2 1 1 1 2 2 1 2 2 2 2 1 1 1 2 1 1 1 2 1 1 2 1 1 2
## [8733] 1 1 1 2 1 2 1 1 1 2 2 1 1 1 1 2 1 2 2 2 1 2 2 1 2 1 1 1 1 2 2 1 2 1 2 2 2
## [8770] 2 2 1 1 2 1 2 2 1 1 1 1 2 1 2 1 1 2 1 2 1 1 1 1 1 2 1 1 2 2 1 2 2 1 2 1 1
## [8807] 2 1 2 2 2 1 1 1 2 1 1 2 2 1 2 1 2 2 2 2 2 2 1 1 1 1 1 1 1 1 2 2 1 2 1 1 1
## [8844] 1 1 1 2 2 1 2 2 1 1 1 1 1 2 1 1 1 2 2 1 2 1 1 2 1 1 1 2 1 1 2 2 2 1 2 1 1
## [8881] 1 2 1 2 1 1 1 2 2 2 2 2 1 2 2 1 2 2 1 1 1 1 2 2 2 1 1 2 2 1 1 1 1 2 1 1 1
## [8918] 1 1 1 1 1 2 2 1 2 2 2 2 1 1 2 2 2 1 2 2 1 1 1 2 1 2 1 1 2 2 1 1 1
## 
## Within cluster sum of squares by cluster:
## [1] 57621.41 70148.61
##  (between_SS / total_SS =  16.0 %)
## 
## Available components:
## 
##  [1] "cluster"      "centers"      "totss"        "withinss"     "tot.withinss"
##  [6] "betweenss"    "size"         "iter"         "ifault"       "crit"        
## [11] "bestk"

Numero de clustering: k =7

# Usando la funcion kmeans() con 7 clusters


# ntart=25, significa que se probarón 100 puntos iniciales 
# aleatorios y luego elegir? aquel donde la variación 
# dentro de cluster sea minima. El valor por defecto es 1

set.seed(123)
agrupacion2_km <- kmeans(credito_st, 
                          centers=7,      # Número de Cluster
                          nstart = 100,    # Número de puntos iniciales
                          iter.max = 1000) # Número de iteraciones máxima
# Mostrar resumen de los clusters
print(agrupacion2_km)
## K-means clustering with 7 clusters of sizes 629, 1186, 2049, 81, 894, 2846, 1265
## 
## Cluster means:
##       BALANCE BALANCE_FREQUENCY   PURCHASES ONEOFF_PURCHASES
## 1 -0.33548683        -0.3480563 -0.28450959       -0.2089610
## 2 -0.70185522        -2.1353744 -0.30707758       -0.2305684
## 3 -0.37010983         0.3307223 -0.04044644       -0.2323855
## 4  1.41086703         0.4133560  7.12740831        6.3006262
## 5  1.66342130         0.3925068 -0.20165682       -0.1483789
## 6  0.00758072         0.4020436 -0.34246008       -0.2232139
## 7  0.14136201         0.4310136  0.95148444        0.9000910
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1             -0.2884590   0.06553502          -0.1987235
## 2             -0.3023702  -0.32293895          -0.5473794
## 3              0.3311265  -0.36881520           0.9795992
## 4              5.2746145   0.01008892           1.0847069
## 5             -0.2043053   1.99345930          -0.4546730
## 6             -0.3995501  -0.10446911          -0.8093484
## 7              0.5961252  -0.30684927           1.0980333
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                 -0.2725572                       -0.2307420
## 2                 -0.4288460                       -0.4410267
## 3                 -0.3520883                        1.1708958
## 4                  1.8853550                        1.0387160
## 5                 -0.1877592                       -0.4026141
## 6                 -0.3343386                       -0.7528907
## 7                  1.8720547                        0.5435232
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT   PAYMENTS
## 1              0.3040953     -0.002215869    -0.3855649   -0.5574688 -0.3906787
## 2             -0.5220910     -0.376710762    -0.4166341   -0.1720637 -0.2016367
## 3             -0.4784524     -0.363126048     0.1695659   -0.2778674 -0.2228754
## 4             -0.2948836     -0.112437370     4.7418167    2.1659223  4.9049000
## 5              1.9103036      1.925602011    -0.2378460    1.0086432  0.8370880
## 6              0.0840972     -0.042020463    -0.4641917   -0.2998682 -0.2478932
## 7             -0.4071095     -0.316658116     1.2164780    0.7117184  0.3963639
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT      TENURE
## 1      -0.21632053       0.01289805 -3.19358659
## 2      -0.28507804       0.29568550  0.20189526
## 3      -0.02276624       0.30594224  0.25235377
## 4       1.10764506       0.84746214  0.33298534
## 5       0.55724342      -0.39082062  0.06980324
## 6      -0.01231509      -0.45234587  0.27191962
## 7      -0.02532010       0.46043795  0.30749896
## 
## Clustering vector:
##    [1] 6 5 7 6 6 3 7 3 6 2 3 6 3 3 6 5 1 2 3 3 3 7 3 5 6 3 6 3 5 6 5 3 6 7 3 6 5
##   [38] 7 5 5 6 6 6 6 3 6 1 6 7 6 5 7 6 1 3 6 6 7 6 6 6 6 6 2 3 6 1 6 3 6 3 5 1 6
##   [75] 6 3 7 3 6 5 3 2 2 2 7 7 5 5 6 5 7 5 6 6 6 6 6 6 2 1 1 3 7 2 6 6 3 5 3 5 3
##  [112] 6 7 5 3 3 3 6 2 6 7 6 7 6 5 4 1 3 5 2 2 3 2 5 3 6 7 3 4 7 6 6 5 7 7 6 3 6
##  [149] 3 3 5 7 3 4 7 2 5 6 7 6 6 6 3 6 1 6 3 7 3 3 1 4 2 1 7 6 6 5 7 2 3 2 5 2 3
##  [186] 3 6 3 6 6 6 6 2 3 6 7 3 7 6 5 2 6 3 5 4 2 6 5 5 2 5 6 6 6 6 2 3 2 5 7 4 7
##  [223] 1 7 7 6 3 7 2 4 3 3 7 6 7 7 5 6 2 6 5 2 7 6 7 2 7 3 5 7 6 3 6 7 6 2 6 7 7
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## [6994] 6 6 6 2 1 3 2 3 2 2 6 3 2 2 6 7 3 6 6 6 7 7 6 2 2 3 7 6 6 3 3 6 3 6 5 3 3
## [7031] 3 3 3 6 6 3 2 2 3 2 5 6 1 1 1 6 4 2 3 7 5 3 2 6 6 1 6 6 3 6 3 2 3 6 1 6 2
## [7068] 3 3 3 2 3 3 6 6 2 6 6 7 3 6 3 2 2 3 3 6 2 6 2 6 6 3 6 3 1 3 1 7 6 7 2 1 3
## [7105] 2 6 3 2 6 6 6 7 6 3 3 3 6 3 7 6 2 3 7 6 7 1 3 7 2 2 6 6 5 5 3 2 2 3 3 2 6
## [7142] 3 2 6 6 3 2 2 3 3 3 3 7 2 3 3 5 5 6 3 2 6 3 6 2 6 2 1 6 6 6 6 2 6 6 7 2 6
## [7179] 6 6 6 6 5 6 3 6 2 7 3 6 7 2 6 5 3 5 3 2 5 5 5 3 5 2 6 6 3 2 3 7 6 6 5 6 6
## [7216] 6 6 6 6 5 3 6 5 3 3 6 3 6 6 3 3 5 3 6 5 1 1 2 1 5 6 6 3 6 3 5 3 6 2 6 6 2
## [7253] 7 2 5 2 6 2 6 3 2 2 3 7 6 7 6 2 2 3 3 3 6 1 6 2 5 4 1 5 6 3 3 6 3 2 3 3 6
## [7290] 2 1 6 6 6 3 1 6 6 3 6 2 3 1 5 6 6 2 6 7 3 2 3 7 2 1 6 3 1 2 7 3 3 3 6 6 3
## [7327] 6 2 3 6 7 7 2 5 7 6 7 7 1 6 3 3 7 2 1 3 3 3 3 3 7 1 3 3 3 3 3 2 6 6 6 7 2
## [7364] 6 2 7 3 5 3 3 3 3 7 3 2 5 3 3 7 6 2 1 3 2 5 2 6 3 3 6 6 2 3 6 6 2 5 6 6 2
## [7401] 6 6 6 6 1 6 6 6 3 3 6 2 6 1 6 1 3 7 6 3 6 6 6 2 6 6 2 5 5 7 2 3 5 3 1 2 3
## [7438] 1 3 2 2 6 6 5 3 6 3 3 6 6 2 6 2 6 6 3 2 6 3 2 6 1 3 6 2 6 3 5 6 6 3 6 6 7
## [7475] 5 6 6 3 6 3 6 6 2 5 7 3 6 5 1 1 7 3 3 6 3 6 6 3 7 6 6 2 6 5 3 3 3 3 7 2 3
## [7512] 3 3 7 7 2 3 3 6 6 2 7 3 3 2 6 3 3 6 2 3 6 2 6 6 6 3 2 5 6 2 6 6 6 3 6 6 1
## [7549] 1 3 6 3 2 4 3 6 3 2 6 2 1 3 6 3 3 7 6 3 7 7 3 3 6 2 2 3 6 3 6 3 7 7 1 6 6
## [7586] 6 3 7 6 5 1 2 1 6 3 3 5 3 7 1 6 6 3 6 3 2 3 2 6 3 3 3 6 3 6 3 6 6 2 1 5 5
## [7623] 6 6 6 2 6 3 3 7 3 6 3 6 6 6 2 6 3 2 6 2 6 2 3 5 3 2 6 5 6 3 2 3 7 7 6 3 1
## [7660] 3 3 7 3 6 2 3 6 1 5 2 1 6 5 2 6 6 3 6 2 6 7 1 6 6 6 5 6 3 5 3 3 3 3 6 2 6
## [7697] 6 3 2 6 7 2 2 6 3 1 7 3 6 6 6 7 6 1 6 3 2 6 3 6 3 3 1 5 6 3 6 3 1 7 3 6 5
## [7734] 2 6 3 3 6 6 3 2 6 7 6 3 2 6 2 6 6 6 1 2 1 6 6 6 2 3 7 6 7 3 6 5 3 3 6 3 2
## [7771] 3 5 1 6 1 6 6 2 2 6 3 2 6 6 3 5 7 2 2 2 6 6 3 3 7 3 3 3 6 6 3 3 6 1 3 6 1
## [7808] 6 6 1 2 6 6 3 2 6 7 3 7 7 3 6 3 2 6 3 6 3 6 3 1 2 3 2 2 6 6 3 5 6 6 6 6 3
## [7845] 2 2 2 7 6 6 3 6 7 2 6 2 6 6 6 1 6 6 2 5 3 2 2 6 3 6 5 3 6 3 6 6 2 3 2 3 3
## [7882] 1 7 6 3 3 3 6 6 3 3 6 3 2 6 3 3 6 3 7 3 1 6 2 6 3 1 3 2 6 3 7 3 1 3 3 3 3
## [7919] 6 2 6 7 6 7 6 6 3 2 2 3 7 6 3 2 3 3 6 3 2 2 3 7 3 3 2 6 2 6 3 6 3 1 2 6 2
## [7956] 3 2 6 6 2 6 2 5 5 1 3 6 2 3 2 6 2 3 2 2 1 3 3 3 6 3 3 6 2 3 1 3 1 3 2 2 1
## [7993] 3 6 6 5 3 6 3 6 2 1 6 3 3 7 3 6 3 6 2 2 6 6 2 3 3 3 1 1 6 7 3 2 3 2 3 3 1
## [8030] 6 2 2 2 3 6 1 6 6 6 3 3 6 3 3 3 3 1 3 6 6 2 6 6 6 3 5 3 3 3 3 6 7 3 1 6 3
## [8067] 3 2 3 1 6 3 6 7 7 2 6 6 3 3 3 1 6 2 1 6 6 2 6 5 3 2 2 2 3 6 3 2 7 3 1 1 1
## [8104] 3 2 6 3 2 3 2 3 6 3 6 2 2 3 3 3 6 5 6 6 3 3 3 2 5 3 3 3 6 2 6 2 3 2 1 1 1
## [8141] 6 3 2 6 3 6 3 6 5 6 5 1 2 2 1 3 2 2 2 7 6 3 6 6 6 6 3 6 1 2 2 3 3 2 3 3 3
## [8178] 3 2 3 5 3 5 3 2 3 3 6 1 3 2 2 6 6 2 1 3 6 6 3 6 3 3 6 6 3 6 6 5 3 6 2 2 2
## [8215] 3 7 6 5 6 2 6 3 1 5 3 2 2 5 6 1 2 6 6 2 1 6 3 5 6 7 1 1 6 1 6 3 3 2 3 2 6
## [8252] 6 3 3 6 7 7 2 5 3 2 3 3 3 1 5 6 6 1 6 3 3 6 2 3 1 6 2 3 3 1 1 6 5 1 3 3 6
## [8289] 6 3 3 3 7 2 2 3 5 2 6 3 3 6 1 3 6 6 6 1 5 5 3 1 3 3 1 5 1 6 1 6 6 2 1 1 1
## [8326] 3 3 2 3 2 1 3 2 2 3 3 1 3 6 3 6 3 6 2 6 3 6 6 3 3 5 2 7 6 1 3 3 3 3 1 6 3
## [8363] 3 3 2 5 1 3 2 3 2 6 3 3 6 6 2 1 3 3 3 3 3 3 2 7 2 1 3 3 2 5 7 2 3 6 7 6 6
## [8400] 3 2 2 6 2 2 2 3 1 6 6 6 6 2 3 3 3 2 3 6 6 3 6 5 6 6 6 2 2 1 3 1 2 3 2 6 2
## [8437] 5 3 5 3 1 6 2 3 2 2 3 1 2 2 6 6 7 6 3 3 3 1 2 1 3 6 3 1 2 7 3 6 2 7 3 6 2
## [8474] 6 6 3 6 2 2 1 2 2 3 1 2 2 3 2 3 7 2 2 3 3 2 3 3 2 3 2 2 6 1 6 1 2 1 6 6 3
## [8511] 2 3 2 3 3 1 2 3 6 2 3 6 3 2 2 6 3 3 2 5 2 6 2 3 7 1 2 2 3 3 6 7 2 3 6 5 1
## [8548] 3 3 5 6 3 7 3 1 3 1 2 3 6 6 2 1 7 2 2 2 1 2 1 6 3 3 1 6 6 3 6 2 1 2 1 5 6
## [8585] 5 6 6 2 1 1 3 6 6 2 2 6 1 6 6 6 3 3 6 3 3 2 3 2 3 1 6 7 2 7 3 6 6 3 3 2 3
## [8622] 2 2 3 3 6 5 3 2 3 3 3 2 1 6 2 3 2 1 6 3 2 2 3 3 6 6 1 6 1 3 1 3 6 3 6 2 3
## [8659] 6 1 6 7 7 1 3 6 3 3 6 3 2 2 1 2 2 6 6 2 1 6 6 3 3 2 5 6 6 2 6 7 6 6 1 3 6
## [8696] 1 3 2 3 2 1 1 3 1 3 5 3 7 6 2 2 3 3 2 3 3 7 3 1 2 3 2 6 6 6 3 3 1 3 6 2 3
## [8733] 1 2 6 3 1 7 6 6 6 3 3 2 1 1 6 3 1 3 2 2 2 2 3 2 3 1 1 3 3 3 3 6 3 1 3 3 3
## [8770] 3 3 2 2 3 6 3 3 1 2 1 6 3 6 3 2 6 3 2 3 6 1 6 1 2 3 5 1 1 3 2 3 6 6 3 6 1
## [8807] 3 6 3 3 3 1 2 5 3 1 1 3 3 1 1 1 3 1 3 3 3 3 1 2 1 1 2 1 1 1 3 1 1 1 1 1 1
## [8844] 2 1 1 1 3 1 3 1 1 1 1 2 1 7 5 1 1 1 1 1 1 1 1 1 1 1 1 3 1 1 1 1 1 1 1 1 1
## [8881] 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
## [8918] 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 5 1 1 1 1 1 1 1 1
## 
## Within cluster sum of squares by cluster:
## [1]  5135.407  6404.103 11284.113  9851.827 19408.272 10652.610 16755.565
##  (between_SS / total_SS =  47.7 %)
## 
## Available components:
## 
## [1] "cluster"      "centers"      "totss"        "withinss"     "tot.withinss"
## [6] "betweenss"    "size"         "iter"         "ifault"
# Sumas de cuadrados
agrupacion2_km$withinss     # Suma de cuadrados dentro de cada cluster
## [1]  5135.407  6404.103 11284.113  9851.827 19408.272 10652.610 16755.565
agrupacion2_km$tot.withinss # Suma de cuadrados Total dentro de cada cluster
## [1] 79491.9
agrupacion2_km$totss        # Suma de cuadrados total suma(cuadrado(x - media))
## [1] 152133
agrupacion2_km$betweenss    # Suma de cuadrados entre cluster. 
## [1] 72641.1

Se obtiene por diferencia

# Tamaño de cada cluster
agrupacion2_km$size
## [1]  629 1186 2049   81  894 2846 1265
# Proporciones de cada grupo
prop.table(agrupacion2_km$size)*100
## [1]  7.0279330 13.2513966 22.8938547  0.9050279  9.9888268 31.7988827 14.1340782
# Promedios de cada cluster 
agrupacion2_km$centers
##       BALANCE BALANCE_FREQUENCY   PURCHASES ONEOFF_PURCHASES
## 1 -0.33548683        -0.3480563 -0.28450959       -0.2089610
## 2 -0.70185522        -2.1353744 -0.30707758       -0.2305684
## 3 -0.37010983         0.3307223 -0.04044644       -0.2323855
## 4  1.41086703         0.4133560  7.12740831        6.3006262
## 5  1.66342130         0.3925068 -0.20165682       -0.1483789
## 6  0.00758072         0.4020436 -0.34246008       -0.2232139
## 7  0.14136201         0.4310136  0.95148444        0.9000910
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1             -0.2884590   0.06553502          -0.1987235
## 2             -0.3023702  -0.32293895          -0.5473794
## 3              0.3311265  -0.36881520           0.9795992
## 4              5.2746145   0.01008892           1.0847069
## 5             -0.2043053   1.99345930          -0.4546730
## 6             -0.3995501  -0.10446911          -0.8093484
## 7              0.5961252  -0.30684927           1.0980333
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                 -0.2725572                       -0.2307420
## 2                 -0.4288460                       -0.4410267
## 3                 -0.3520883                        1.1708958
## 4                  1.8853550                        1.0387160
## 5                 -0.1877592                       -0.4026141
## 6                 -0.3343386                       -0.7528907
## 7                  1.8720547                        0.5435232
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT   PAYMENTS
## 1              0.3040953     -0.002215869    -0.3855649   -0.5574688 -0.3906787
## 2             -0.5220910     -0.376710762    -0.4166341   -0.1720637 -0.2016367
## 3             -0.4784524     -0.363126048     0.1695659   -0.2778674 -0.2228754
## 4             -0.2948836     -0.112437370     4.7418167    2.1659223  4.9049000
## 5              1.9103036      1.925602011    -0.2378460    1.0086432  0.8370880
## 6              0.0840972     -0.042020463    -0.4641917   -0.2998682 -0.2478932
## 7             -0.4071095     -0.316658116     1.2164780    0.7117184  0.3963639
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT      TENURE
## 1      -0.21632053       0.01289805 -3.19358659
## 2      -0.28507804       0.29568550  0.20189526
## 3      -0.02276624       0.30594224  0.25235377
## 4       1.10764506       0.84746214  0.33298534
## 5       0.55724342      -0.39082062  0.06980324
## 6      -0.01231509      -0.45234587  0.27191962
## 7      -0.02532010       0.46043795  0.30749896
# promedios de cada cluster - opción 2
aggregate(credito_st, by=list(cluster=agrupacion2_km$cluster), mean)
##   cluster     BALANCE BALANCE_FREQUENCY   PURCHASES ONEOFF_PURCHASES
## 1       1 -0.33548683        -0.3480563 -0.28450959       -0.2089610
## 2       2 -0.70185522        -2.1353744 -0.30707758       -0.2305684
## 3       3 -0.37010983         0.3307223 -0.04044644       -0.2323855
## 4       4  1.41086703         0.4133560  7.12740831        6.3006262
## 5       5  1.66342130         0.3925068 -0.20165682       -0.1483789
## 6       6  0.00758072         0.4020436 -0.34246008       -0.2232139
## 7       7  0.14136201         0.4310136  0.95148444        0.9000910
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1             -0.2884590   0.06553502          -0.1987235
## 2             -0.3023702  -0.32293895          -0.5473794
## 3              0.3311265  -0.36881520           0.9795992
## 4              5.2746145   0.01008892           1.0847069
## 5             -0.2043053   1.99345930          -0.4546730
## 6             -0.3995501  -0.10446911          -0.8093484
## 7              0.5961252  -0.30684927           1.0980333
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                 -0.2725572                       -0.2307420
## 2                 -0.4288460                       -0.4410267
## 3                 -0.3520883                        1.1708958
## 4                  1.8853550                        1.0387160
## 5                 -0.1877592                       -0.4026141
## 6                 -0.3343386                       -0.7528907
## 7                  1.8720547                        0.5435232
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT   PAYMENTS
## 1              0.3040953     -0.002215869    -0.3855649   -0.5574688 -0.3906787
## 2             -0.5220910     -0.376710762    -0.4166341   -0.1720637 -0.2016367
## 3             -0.4784524     -0.363126048     0.1695659   -0.2778674 -0.2228754
## 4             -0.2948836     -0.112437370     4.7418167    2.1659223  4.9049000
## 5              1.9103036      1.925602011    -0.2378460    1.0086432  0.8370880
## 6              0.0840972     -0.042020463    -0.4641917   -0.2998682 -0.2478932
## 7             -0.4071095     -0.316658116     1.2164780    0.7117184  0.3963639
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT      TENURE
## 1      -0.21632053       0.01289805 -3.19358659
## 2      -0.28507804       0.29568550  0.20189526
## 3      -0.02276624       0.30594224  0.25235377
## 4       1.10764506       0.84746214  0.33298534
## 5       0.55724342      -0.39082062  0.06980324
## 6      -0.01231509      -0.45234587  0.27191962
## 7      -0.02532010       0.46043795  0.30749896
# Junta el archivo de datos con la columna de cluster
library(dplyr)
credito_st %>% mutate(grp=agrupacion2_km$cluster) -> credito_final
head(credito_final)
##      BALANCE BALANCE_FREQUENCY  PURCHASES ONEOFF_PURCHASES
## 1 -0.7319485        -0.2494205 -0.4248760       -0.3569141
## 2  0.7869169         0.1343172 -0.4695256       -0.3569141
## 3  0.4471102         0.5180549 -0.1076622        0.1088824
## 4  0.0490964        -1.0168960  0.2320449        0.5461589
## 5 -0.3587553         0.5180549 -0.4620372       -0.3472749
## 6  0.1178718         0.5180549  0.1544837       -0.3569141
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1             -0.3490593   -0.4667595          -0.8064453
## 2             -0.4545508    2.6054589          -1.2216898
## 3             -0.4545508   -0.4667595           1.2697723
## 4             -0.4545508   -0.3686327          -1.0140688
## 5             -0.4545508   -0.4667595          -1.0140688
## 6              1.0197650   -0.4667595           0.4392858
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                 -0.6786229                       -0.7072736
## 2                 -0.6786229                       -0.9169440
## 3                  2.6733017                       -0.9169440
## 4                 -0.3992970                       -0.9169440
## 5                 -0.3992970                       -0.9169440
## 6                 -0.6786229                        0.5507533
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT   PAYMENTS
## 1             -0.6753111       -0.4760432    -0.5113047   -0.9603247 -0.5289492
## 2              0.5739307        0.1100677    -0.5917628    0.6886400  0.8185964
## 3             -0.6753111       -0.4760432    -0.1090140    0.8260537 -0.3837833
## 4             -0.2588989       -0.3295155    -0.5515337    0.8260537 -0.5986548
## 5             -0.6753111       -0.4760432    -0.5515337   -0.9053593 -0.3643474
## 6             -0.6753111       -0.4760432    -0.2699303   -0.7404628 -0.1150531
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT    TENURE grp
## 1      -0.30238310       -0.5255216 0.3606594   6
## 2       0.09749408        0.2342138 0.3606594   5
## 3      -0.09328819       -0.5255216 0.3606594   7
## 4      -0.22829414       -0.5255216 0.3606594   6
## 5      -0.25725202       -0.5255216 0.3606594   6
## 6       0.66972926       -0.5255216 0.3606594   3
str(credito_final)
## 'data.frame':    8950 obs. of  18 variables:
##  $ BALANCE                         : num  -0.7319 0.7869 0.4471 0.0491 -0.3588 ...
##  $ BALANCE_FREQUENCY               : num  -0.249 0.134 0.518 -1.017 0.518 ...
##  $ PURCHASES                       : num  -0.425 -0.47 -0.108 0.232 -0.462 ...
##  $ ONEOFF_PURCHASES                : num  -0.357 -0.357 0.109 0.546 -0.347 ...
##  $ INSTALLMENTS_PURCHASES          : num  -0.349 -0.455 -0.455 -0.455 -0.455 ...
##  $ CASH_ADVANCE                    : num  -0.467 2.605 -0.467 -0.369 -0.467 ...
##  $ PURCHASES_FREQUENCY             : num  -0.806 -1.222 1.27 -1.014 -1.014 ...
##  $ ONEOFF_PURCHASES_FREQUENCY      : num  -0.679 -0.679 2.673 -0.399 -0.399 ...
##  $ PURCHASES_INSTALLMENTS_FREQUENCY: num  -0.707 -0.917 -0.917 -0.917 -0.917 ...
##  $ CASH_ADVANCE_FREQUENCY          : num  -0.675 0.574 -0.675 -0.259 -0.675 ...
##  $ CASH_ADVANCE_TRX                : num  -0.476 0.11 -0.476 -0.33 -0.476 ...
##  $ PURCHASES_TRX                   : num  -0.511 -0.592 -0.109 -0.552 -0.552 ...
##  $ CREDIT_LIMIT                    : num  -0.96 0.689 0.826 0.826 -0.905 ...
##  $ PAYMENTS                        : num  -0.529 0.819 -0.384 -0.599 -0.364 ...
##  $ MINIMUM_PAYMENTS                : num  -0.3024 0.0975 -0.0933 -0.2283 -0.2573 ...
##  $ PRC_FULL_PAYMENT                : num  -0.526 0.234 -0.526 -0.526 -0.526 ...
##  $ TENURE                          : num  0.361 0.361 0.361 0.361 0.361 ...
##  $ grp                             : int  6 5 7 6 6 3 7 3 6 2 ...
credito_final$grp <- factor(credito_final$grp)

write.csv(credito_final,"credito_final_agrup_km.csv") #--- guardamos el clustering

Validación de resultados

# 1. índice de Validación de Davies-Bouldin (más pequeño)
cluster<-as.integer(credito_final$grp)
library(clusterSim)# validación
indice<-index.DB(credito_st, cluster, centrotypes = "centroids")
indice$DB
## [1] 1.565359
# 2. Indice de Dunn (Más grande)
library(clValid)
dunn(Data=credito_st, clusters=cluster, distance = NULL)
## [1] 0.004236815
library(clv)
indices2<-cls.scatt.data(credito_st,cluster)
indices2
## $intracls.complete
##            c1       c2       c3       c4       c5       c6       c7
## [1,] 8.484273 11.50156 17.50348 47.27644 39.31679 13.15602 23.94542
## 
## $intracls.average
##            c1       c2       c3       c4       c5       c6       c7
## [1,] 3.847108 3.027454 3.014267 13.84299 5.707176 2.495759 4.769001
## 
## $intracls.centroid
##            c1       c2       c3       c4       c5       c6       c7
## [1,] 2.737592 2.127577 2.111381 9.610287 3.930929 1.745521 3.351321
## 
## $intercls.single
##           c1        c2        c3       c4        c5        c6        c7
## c1 0.0000000 0.4133254 0.6106389 8.140120 0.9904837 0.7532141 1.3749800
## c2 0.4133254 0.0000000 0.3271081 7.449947 1.2165143 0.2478713 0.5441095
## c3 0.6106389 0.3271081 0.0000000 4.749696 0.9790090 0.2003015 0.5144203
## c4 8.1401198 7.4499466 4.7496960 0.000000 5.1298704 7.3906286 1.8943831
## c5 0.9904837 1.2165143 0.9790090 5.129870 0.0000000 0.4530279 1.0627473
## c6 0.7532141 0.2478713 0.2003015 7.390629 0.4530279 0.0000000 0.3992235
## c7 1.3749800 0.5441095 0.5144203 1.894383 1.0627473 0.3992235 0.0000000
## 
## $intercls.complete
##          c1       c2       c3       c4       c5       c6       c7
## c1  0.00000 13.25043 18.51670 40.22090 33.60927 14.18016 23.93314
## c2 13.25043  0.00000 20.31798 40.01684 33.51233 16.45171 25.28403
## c3 18.51670 20.31798  0.00000 41.05209 35.82458 17.69370 22.98288
## c4 40.22090 40.01684 41.05209  0.00000 46.35467 40.77111 43.58798
## c5 33.60927 33.51233 35.82458 46.35467  0.00000 34.22501 38.27701
## c6 14.18016 16.45171 17.69370 40.77111 34.22501  0.00000 23.26053
## c7 23.93314 25.28403 22.98288 43.58798 38.27701 23.26053  0.00000
## 
## $intercls.average
##           c1        c2        c3       c4        c5        c6        c7
## c1  0.000000  5.337188  5.456850 17.34245  7.274408  4.942644  6.932803
## c2  5.337188  0.000000  4.611060 17.06413  7.241794  4.018687  6.292408
## c3  5.456850  4.611060  0.000000 16.11246  7.029049  4.115103  5.118805
## c4 17.342450 17.064125 16.112457  0.00000 17.026995 16.889592 14.526420
## c5  7.274408  7.241794  7.029049 17.02699  0.000000  5.928891  7.747875
## c6  4.942644  4.018687  4.115103 16.88959  5.928891  0.000000  5.780941
## c7  6.932803  6.292408  5.118805 14.52642  7.747875  5.780941  0.000000
## 
## $intercls.centroid
##           c1        c2        c3       c4        c5        c6        c7
## c1  0.000000  4.036469  4.196301 14.72460  5.483634  3.712840  5.411975
## c2  4.036469  0.000000  3.468556 14.52052  5.689157  2.883428  4.885333
## c3  4.196301  3.468556  0.000000 13.47958  5.416962  3.023611  3.234118
## c4 14.724605 14.520521 13.479584  0.00000 13.844557 14.390706 11.292122
## c5  5.483634  5.689157  5.416962 13.84456  0.000000  4.241809  5.669594
## c6  3.712840  2.883428  3.023611 14.39071  4.241809  0.000000  4.425887
## c7  5.411975  4.885333  3.234118 11.29212  5.669594  4.425887  0.000000
## 
## $intercls.ave_to_cent
##           c1        c2        c3       c4        c5        c6        c7
## c1  0.000000  4.687493  4.793385 15.22618  6.465095  4.225525  6.255069
## c2  4.687493  0.000000  4.072511 14.83631  6.433683  3.448815  5.625459
## c3  4.793385  4.072511  0.000000 13.75025  6.087183  3.583187  4.167871
## c4 15.226184 14.836309 13.750246  0.00000 14.679512 14.574157 11.901827
## c5  6.465095  6.433683  6.087183 14.67951  0.000000  4.837984  6.734635
## c6  4.225525  3.448815  3.583187 14.57416  4.837984  0.000000  4.988281
## c7  6.255069  5.625459  4.167871 11.90183  6.734635  4.988281  0.000000
## 
## $intercls.hausdorff
##           c1        c2        c3       c4        c5        c6        c7
## c1  0.000000  6.067932  6.407900 12.21986  6.664294  5.578556  6.716782
## c2  8.821189  0.000000  8.034756 11.66558  5.965738  7.779734  7.206007
## c3 14.453641 15.752449  0.000000 14.86964  6.254283  6.160095  9.220192
## c4 36.281246 34.973599 36.419443  0.00000 33.415484 35.721406 30.527737
## c5 28.930554 29.214105 29.392232 24.37168  0.000000 29.295505 28.551525
## c6  9.677054 11.245608  4.313352 13.46892  4.167078  0.000000 10.285113
## c7 20.207960 21.505820  9.735826 14.96926  9.326078 11.279921  0.000000
## 
## $cluster.center
##           [,1]       [,2]        [,3]       [,4]       [,5]        [,6]
## c1 -0.33548683 -0.3480563 -0.28450959 -0.2089610 -0.2884590  0.06553502
## c2 -0.70185522 -2.1353744 -0.30707758 -0.2305684 -0.3023702 -0.32293895
## c3 -0.37010983  0.3307223 -0.04044644 -0.2323855  0.3311265 -0.36881520
## c4  1.41086703  0.4133560  7.12740831  6.3006262  5.2746145  0.01008892
## c5  1.66342130  0.3925068 -0.20165682 -0.1483789 -0.2043053  1.99345930
## c6  0.00758072  0.4020436 -0.34246008 -0.2232139 -0.3995501 -0.10446911
## c7  0.14136201  0.4310136  0.95148444  0.9000910  0.5961252 -0.30684927
##          [,7]       [,8]       [,9]      [,10]        [,11]      [,12]
## c1 -0.1987235 -0.2725572 -0.2307420  0.3040953 -0.002215869 -0.3855649
## c2 -0.5473794 -0.4288460 -0.4410267 -0.5220910 -0.376710762 -0.4166341
## c3  0.9795992 -0.3520883  1.1708958 -0.4784524 -0.363126048  0.1695659
## c4  1.0847069  1.8853550  1.0387160 -0.2948836 -0.112437370  4.7418167
## c5 -0.4546730 -0.1877592 -0.4026141  1.9103036  1.925602011 -0.2378460
## c6 -0.8093484 -0.3343386 -0.7528907  0.0840972 -0.042020463 -0.4641917
## c7  1.0980333  1.8720547  0.5435232 -0.4071095 -0.316658116  1.2164780
##         [,13]      [,14]       [,15]       [,16]       [,17]
## c1 -0.5574688 -0.3906787 -0.21632053  0.01289805 -3.19358659
## c2 -0.1720637 -0.2016367 -0.28507804  0.29568550  0.20189526
## c3 -0.2778674 -0.2228754 -0.02276624  0.30594224  0.25235377
## c4  2.1659223  4.9049000  1.10764506  0.84746214  0.33298534
## c5  1.0086432  0.8370880  0.55724342 -0.39082062  0.06980324
## c6 -0.2998682 -0.2478932 -0.01231509 -0.45234587  0.27191962
## c7  0.7117184  0.3963639 -0.02532010  0.46043795  0.30749896
## 
## $cluster.size
## [1]  629 1186 2049   81  894 2846 1265
## 
## attr(,"class")
## [1] "cls.list"
#Creando un for y comparando
set.seed(123)
db<-numeric()
dunn<-numeric()
for(k in 2:7){
  resul<-kmeans(credito_st,k)
  grupos<- resul$cluster
  indice_db<-index.DB(credito_st,grupos,centrotypes = "centroids")
  db[k]<-indice_db$DB
  indiceDunn<- dunn(Data=credito_st, clusters=grupos, distance = NULL)
  dunn[k]<- indiceDunn
}

indices_totales<-data.frame(cluster=c(2:7),
                            indice_db=db[2:7],
                            indiceDunn=dunn[2:7])

indices_totales
##   cluster indice_db  indiceDunn
## 1       2  2.288551 0.003712166
## 2       3  1.990229 0.004787972
## 3       4  1.763470 0.003274795
## 4       5  1.658618 0.005243019
## 5       6  1.507591 0.004448280
## 6       7  1.565389 0.004236815

Visualización de los resultados usando ACP

Si se tienen datos multidimensionales, una solución es realizar un ACP y plotear los individuos de acuerdo a los dos primeros componentes

library(factoextra)
fviz_cluster(agrupacion2_km, data = credito_st, ellipse.type = "convex") +
  theme_classic()

### Validación de Resultados del k-means

# Bootstrap Evaluation of Clusters
library(fpc)
kclusters <- clusterboot(credito_st,
                         B=100,
                         clustermethod=kmeansCBI,
                         k=7,
                         seed=123)
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# Los promedios deben salir lo más cercano a 1 posible.
# Un valor > 0.75 - 0.85 es muy bueno.
# Un valor < 0.6 es malo

kclusters$bootmean
## [1] 0.4887709 0.7929662 0.7226087 0.5671568 0.7559132 0.8231856 0.6251651
prop.table(table(credito_final$grp))*100
## 
##          1          2          3          4          5          6          7 
##  7.0279330 13.2513966 22.8938547  0.9050279  9.9888268 31.7988827 14.1340782

Importancia de las variables con el paquete FeatureImpCluster

library(FeatureImpCluster)
library(flexclust)

cl_km <- as.kcca(agrupacion2_km, credito_st) 

str(cl_km)
## Formal class 'kcca' [package "flexclust"] with 17 slots
##   ..@ second   : int [1:8950] 2 6 6 2 2 6 3 6 3 6 ...
##   ..@ xrange   : num [1:2, 1:17] -0.752 8.397 -3.703 0.518 -0.47 ...
##   .. ..- attr(*, "dimnames")=List of 2
##   .. .. ..$ : NULL
##   .. .. ..$ : chr [1:17] "BALANCE" "BALANCE_FREQUENCY" "PURCHASES" "ONEOFF_PURCHASES" ...
##   ..@ xcent    : Named num [1:17] -2.68e-17 1.65e-16 -1.29e-18 4.65e-17 1.95e-17 ...
##   .. ..- attr(*, "names")= chr [1:17] "BALANCE" "BALANCE_FREQUENCY" "PURCHASES" "ONEOFF_PURCHASES" ...
##   ..@ totaldist: num 31547
##   ..@ clsim    : num [1:7, 1:7] 1 0.0483 0.0288 0 0.054 ...
##   ..@ centers  : num [1:7, 1:17] -0.335 -0.702 -0.37 1.411 1.663 ...
##   .. ..- attr(*, "dimnames")=List of 2
##   .. .. ..$ : chr [1:7] "1" "2" "3" "4" ...
##   .. .. ..$ : chr [1:17] "BALANCE" "BALANCE_FREQUENCY" "PURCHASES" "ONEOFF_PURCHASES" ...
##   ..@ family   :Formal class 'kccaFamily' [package "flexclust"] with 9 slots
##   .. .. ..@ name    : chr "kmeans"
##   .. .. ..@ dist    :function (x, centers)  
##   .. .. ..@ cent    :function (x)  
##   .. .. ..@ allcent :function (x, cluster, k = max(cluster, na.rm = TRUE))  
##   .. .. ..@ wcent   :function (x, weights)  
##   .. .. ..@ weighted: logi TRUE
##   .. .. ..@ cluster :function (x, centers, n = 1, distmat = NULL)  
##   .. .. ..@ preproc :function (x)  
##   .. .. ..@ groupFun:function (cluster, group, distmat)  
##   ..@ cldist   : num [1:8950, 1:2] 1.62 2.91 3.04 2.18 1.27 ...
##   ..@ k        : int 7
##   ..@ cluster  : int [1:8950] 6 5 7 6 6 3 7 3 6 2 ...
##   ..@ iter     : int 1
##   ..@ converged: logi TRUE
##   ..@ clusinfo :'data.frame':    7 obs. of  4 variables:
##   .. ..$ size      : int [1:7] 629 1186 2049 81 894 2846 1265
##   .. ..$ av_dist   : num [1:7] 2.74 2.13 2.11 9.61 3.93 ...
##   .. ..$ max_dist  : num [1:7] 6.03 10.14 16.4 33.16 28.58 ...
##   .. ..$ separation: num [1:7] 2.32 1.78 1.81 6.41 2.4 ...
##   ..@ index    : num(0) 
##   ..@ call     : language as.kcca(object = agrupacion2_km, data = credito_st)
##   ..@ control  :Formal class 'flexclustControl' [package "flexclust"] with 10 slots
##   .. .. ..@ iter.max   : num 200
##   .. .. ..@ tolerance  : num 1e-06
##   .. .. ..@ verbose    : num 0
##   .. .. ..@ classify   : chr "auto"
##   .. .. ..@ initcent   : chr "randomcent"
##   .. .. ..@ gamma      : num 1
##   .. .. ..@ simann     : num [1:3] 0.3 0.95 10
##   .. .. ..@ ntry       : num 5
##   .. .. ..@ min.size   : num 2
##   .. .. ..@ subsampling: num 1
##   ..@ data     :Formal class 'ModelEnv' [package "modeltools"] with 4 slots
##   .. .. ..@ env  :<environment: 0x000001b7e91ebe10> 
##   .. .. ..@ get  :function (which)  
##   .. .. ..@ set  :function (which, data)  
##   .. .. ..@ hooks: list()
cl_km@xcent    # Promedios de cada variable
##                          BALANCE                BALANCE_FREQUENCY 
##                    -2.682290e-17                     1.649061e-16 
##                        PURCHASES                 ONEOFF_PURCHASES 
##                    -1.293483e-18                     4.648167e-17 
##           INSTALLMENTS_PURCHASES                     CASH_ADVANCE 
##                     1.952097e-17                    -1.170153e-17 
##              PURCHASES_FREQUENCY       ONEOFF_PURCHASES_FREQUENCY 
##                     2.607280e-17                    -7.842888e-18 
## PURCHASES_INSTALLMENTS_FREQUENCY           CASH_ADVANCE_FREQUENCY 
##                     6.203449e-17                     1.369869e-17 
##                 CASH_ADVANCE_TRX                    PURCHASES_TRX 
##                    -1.993440e-17                    -1.768604e-17 
##                     CREDIT_LIMIT                         PAYMENTS 
##                     8.552749e-17                    -4.211017e-17 
##                 MINIMUM_PAYMENTS                 PRC_FULL_PAYMENT 
##                     7.771367e-18                     1.245822e-17 
##                           TENURE 
##                     2.881370e-16
cl_km@centers  # Promedios de cada variable por cada cluster
##       BALANCE BALANCE_FREQUENCY   PURCHASES ONEOFF_PURCHASES
## 1 -0.33548683        -0.3480563 -0.28450959       -0.2089610
## 2 -0.70185522        -2.1353744 -0.30707758       -0.2305684
## 3 -0.37010983         0.3307223 -0.04044644       -0.2323855
## 4  1.41086703         0.4133560  7.12740831        6.3006262
## 5  1.66342130         0.3925068 -0.20165682       -0.1483789
## 6  0.00758072         0.4020436 -0.34246008       -0.2232139
## 7  0.14136201         0.4310136  0.95148444        0.9000910
##   INSTALLMENTS_PURCHASES CASH_ADVANCE PURCHASES_FREQUENCY
## 1             -0.2884590   0.06553502          -0.1987235
## 2             -0.3023702  -0.32293895          -0.5473794
## 3              0.3311265  -0.36881520           0.9795992
## 4              5.2746145   0.01008892           1.0847069
## 5             -0.2043053   1.99345930          -0.4546730
## 6             -0.3995501  -0.10446911          -0.8093484
## 7              0.5961252  -0.30684927           1.0980333
##   ONEOFF_PURCHASES_FREQUENCY PURCHASES_INSTALLMENTS_FREQUENCY
## 1                 -0.2725572                       -0.2307420
## 2                 -0.4288460                       -0.4410267
## 3                 -0.3520883                        1.1708958
## 4                  1.8853550                        1.0387160
## 5                 -0.1877592                       -0.4026141
## 6                 -0.3343386                       -0.7528907
## 7                  1.8720547                        0.5435232
##   CASH_ADVANCE_FREQUENCY CASH_ADVANCE_TRX PURCHASES_TRX CREDIT_LIMIT   PAYMENTS
## 1              0.3040953     -0.002215869    -0.3855649   -0.5574688 -0.3906787
## 2             -0.5220910     -0.376710762    -0.4166341   -0.1720637 -0.2016367
## 3             -0.4784524     -0.363126048     0.1695659   -0.2778674 -0.2228754
## 4             -0.2948836     -0.112437370     4.7418167    2.1659223  4.9049000
## 5              1.9103036      1.925602011    -0.2378460    1.0086432  0.8370880
## 6              0.0840972     -0.042020463    -0.4641917   -0.2998682 -0.2478932
## 7             -0.4071095     -0.316658116     1.2164780    0.7117184  0.3963639
##   MINIMUM_PAYMENTS PRC_FULL_PAYMENT      TENURE
## 1      -0.21632053       0.01289805 -3.19358659
## 2      -0.28507804       0.29568550  0.20189526
## 3      -0.02276624       0.30594224  0.25235377
## 4       1.10764506       0.84746214  0.33298534
## 5       0.55724342      -0.39082062  0.06980324
## 6      -0.01231509      -0.45234587  0.27191962
## 7      -0.02532010       0.46043795  0.30749896
barplot(cl_km)

data <- as.data.table(credito_st)

Importancia_km <- FeatureImpCluster(cl_km,data)
plot(Importancia_km)

#head(credito_final_agrup_km)
library(MASS)

grupos = as.numeric(credito_final$grp)

parcoord(credito_final[,1:17],col =grupos)