credit <- read.csv("credit.csv")
summary("credit.csv")
## Length Class Mode
## 1 character character
str(data)
## function (..., list = character(), package = NULL, lib.loc = NULL, verbose = getOption("verbose"),
## envir = .GlobalEnv, overwrite = TRUE)
credit$default = factor(credit$default, levels=c(1,2),labels = c("no","yes"))
table(credit$default)
##
## no yes
## 700 300
credit_rand <- credit[order(runif(1000)),]
credit_train <- credit_rand[1:900, 1:17]
credit_test <- credit_rand[901:100, 1:17]
prop.table(table(credit_train$default))
##
## no yes
## 0.7066667 0.2933333
library(C50)
credit_model <- C5.0(credit_train[,-17],credit_train$default)
credit_pred <- predict(credit_model, credit_test)
accuracy <- sum(credit_pred == credit_test$default)/nrow(credit_test)
errors=1-signif(accuracy,2)
errors
## [1] 0.11
credit_boost10 <- C5.0(credit_train[-17],credit_train$default,trials = 10)
summary(credit_boost10)
##
## Call:
## C5.0.default(x = credit_train[-17], y = credit_train$default, trials = 10)
##
##
## C5.0 [Release 2.07 GPL Edition] Tue Nov 7 09:29:38 2023
## -------------------------------
##
## Class specified by attribute `outcome'
##
## Read 900 cases (17 attributes) from undefined.data
##
## ----- Trial 0: -----
##
## Decision tree:
##
## checking_balance in {unknown,> 200 DM}:
## :...installment_plan = none: no (353/36)
## : installment_plan in {bank,stores}:
## : :...residence_history <= 1: no (9)
## : residence_history > 1:
## : :...age > 44: no (11)
## : age <= 44:
## : :...installment_rate <= 1: no (5)
## : installment_rate > 1:
## : :...purpose in {furniture,radio/tv,repairs,car (used),
## : : retraining,others,
## : : domestic appliances}: no (24/5)
## : purpose in {car (new),business,education}:
## : :...personal_status in {single male,married male,
## : : divorced male}: yes (12)
## : personal_status = female: no (4/1)
## checking_balance in {< 0 DM,1 - 200 DM}:
## :...months_loan_duration <= 22:
## :...other_debtors = guarantor:
## : :...purpose = car (new): yes (3/1)
## : : purpose in {business,education,furniture,radio/tv,repairs,
## : : car (used),retraining,others,
## : : domestic appliances}: no (22)
## : other_debtors = co-applicant:
## : :...amount <= 3949: no (6)
## : : amount > 3949: yes (2)
## : other_debtors = none:
## : :...credit_history in {critical,delayed}: no (78/11)
## : credit_history in {fully repaid this bank,
## : : fully repaid}: yes (23/5)
## : credit_history = repaid:
## : :...savings_balance in {> 1000 DM,501 - 1000 DM}: no (14/1)
## : savings_balance in {101 - 500 DM,< 100 DM,unknown}:
## : :...purpose in {repairs,retraining,others}: no (7/2)
## : purpose = domestic appliances: yes (3)
## : purpose = business:
## : :...months_loan_duration <= 18: no (6)
## : : months_loan_duration > 18: yes (2)
## : purpose = education:
## : :...amount <= 996: yes (4)
## : : amount > 996: no (3)
## : purpose = car (used):
## : :...housing in {rent,own}: no (3)
## : : housing = for free: yes (3)
## : purpose = furniture:
## : :...personal_status in {married male,
## : : : divorced male}: no (3)
## : : personal_status = single male:
## : : :...months_loan_duration <= 10: no (3)
## : : : months_loan_duration > 10: yes (4/1)
## : : personal_status = female:
## : : :...employment_length = 1 - 4 yrs: yes (5)
## : : employment_length in {> 7 yrs,4 - 7 yrs,0 - 1 yrs,
## : : unemployed}: no (10/3)
## : purpose = car (new):
## : :...amount > 10875: yes (2)
## : : amount <= 10875:
## : : :...amount > 1484: no (16/3)
## : : amount <= 1484:
## : : :...months_loan_duration <= 7: no (3)
## : : months_loan_duration > 7: yes (16/2)
## : purpose = radio/tv:
## : :...installment_plan in {bank,stores}: yes (5/1)
## : installment_plan = none:
## : :...property = unknown/none: yes (2)
## : property = real estate:
## : :...savings_balance in {101 - 500 DM,
## : : : < 100 DM}: no (12/2)
## : : savings_balance = unknown: yes (1)
## : property = building society savings:
## : :...age <= 22: yes (2)
## : : age > 22: no (4)
## : property = other:
## : :...residence_history <= 3: yes (3/1)
## : residence_history > 3: no (3)
## months_loan_duration > 22:
## :...savings_balance = < 100 DM:
## :...months_loan_duration > 47: yes (26/2)
## : months_loan_duration <= 47:
## : :...housing = rent:
## : :...age <= 46: yes (19/1)
## : : age > 46: no (2)
## : housing in {own,for free}:
## : :...purpose in {business,retraining,
## : : domestic appliances}: yes (12/4)
## : purpose = repairs: no (2/1)
## : purpose = car (new):
## : :...installment_rate <= 2: no (3/1)
## : : installment_rate > 2: yes (14)
## : purpose = education:
## : :...checking_balance = < 0 DM: yes (3)
## : : checking_balance = 1 - 200 DM: no (3/1)
## : purpose = furniture:
## : :...checking_balance = < 0 DM: no (13/4)
## : : checking_balance = 1 - 200 DM: yes (4)
## : purpose = others:
## : :...checking_balance = < 0 DM: no (2)
## : : checking_balance = 1 - 200 DM: yes (2)
## : purpose = radio/tv:
## : :...existing_credits > 1: yes (3)
## : : existing_credits <= 1:
## : : :...installment_plan in {none,bank}: no (12/4)
## : : installment_plan = stores: yes (2)
## : purpose = car (used):
## : :...personal_status in {married male,
## : : divorced male}: no (0)
## : personal_status = female: yes (1)
## : personal_status = single male:
## : :...age <= 27: yes (2)
## : age > 27: no (11)
## savings_balance in {101 - 500 DM,unknown,> 1000 DM,501 - 1000 DM}:
## :...credit_history in {delayed,fully repaid this bank}: no (22/4)
## credit_history = critical:
## :...savings_balance in {101 - 500 DM,unknown,> 1000 DM}: no (8)
## : savings_balance = 501 - 1000 DM: yes (2)
## credit_history = fully repaid:
## :...housing = rent: yes (1)
## : housing in {own,for free}: no (3)
## credit_history = repaid:
## :...other_debtors in {guarantor,co-applicant}: yes (3)
## other_debtors = none:
## :...existing_credits > 1: no (3)
## existing_credits <= 1:
## :...checking_balance = < 0 DM: yes (14/3)
## checking_balance = 1 - 200 DM:
## :...savings_balance in {unknown,> 1000 DM,
## : 501 - 1000 DM}: no (10/1)
## savings_balance = 101 - 500 DM:
## :...amount <= 3079: no (2)
## amount > 3079: yes (5)
##
## ----- Trial 1: -----
##
## Decision tree:
##
## amount > 10875:
## :...credit_history in {repaid,critical,fully repaid this bank,
## : : fully repaid}: yes (32.8/3.9)
## : credit_history = delayed: no (2.3)
## amount <= 10875:
## :...purpose = car (used): no (78.9/7.8)
## purpose in {car (new),business,education,furniture,radio/tv,repairs,
## : retraining,others,domestic appliances}:
## :...months_loan_duration <= 8: no (67.2/9.4)
## months_loan_duration > 8:
## :...checking_balance = unknown:
## :...employment_length in {> 7 yrs,4 - 7 yrs}: no (113.3/18.7)
## : employment_length in {1 - 4 yrs,0 - 1 yrs,unemployed}:
## : :...other_debtors in {guarantor,co-applicant}: yes (14/3.1)
## : other_debtors = none:
## : :...amount > 4455:
## : :...housing in {rent,own}: yes (30.8/4.7)
## : : housing = for free: no (3.9/0.8)
## : amount <= 4455:
## : :...installment_plan in {bank,stores}: yes (11.3/4.7)
## : installment_plan = none:
## : :...personal_status in {single male,married male,
## : : divorced male}: no (43)
## : personal_status = female:
## : :...purpose in {business,radio/tv,retraining,
## : : others,
## : : domestic appliances}: no (14.9)
## : purpose in {car (new),education,furniture,
## : : repairs}: [S1]
## checking_balance in {< 0 DM,1 - 200 DM,> 200 DM}:
## :...other_debtors = guarantor:
## :...property in {real estate,
## : : building society savings}: no (23/3.1)
## : property in {unknown/none,other}: yes (2.3)
## other_debtors in {none,co-applicant}:
## :...savings_balance in {unknown,> 1000 DM}: no (68.7/25.4)
## savings_balance = 501 - 1000 DM:
## :...installment_rate <= 3: no (7.8/0.8)
## : installment_rate > 3: yes (11.3/2.3)
## savings_balance = 101 - 500 DM:
## :...personal_status in {female,married male}: yes (18/3.9)
## : personal_status = divorced male: no (3.1/1.6)
## : personal_status = single male:
## : :...property in {real estate,other}: no (8.6)
## : property in {unknown/none,
## : building society savings}: yes (9.8/3.9)
## savings_balance = < 100 DM:
## :...months_loan_duration <= 16:
## :...employment_length in {> 7 yrs,0 - 1 yrs}:
## : :...installment_plan = bank: no (6.6/1.6)
## : : installment_plan = stores: yes (1.6)
## : : installment_plan = none:
## : : :...residence_history <= 3: yes (30/4.7)
## : : residence_history > 3: no (15.2/5.9)
## : employment_length in {1 - 4 yrs,4 - 7 yrs,
## : : unemployed}:
## : :...amount > 1123: no (51.1/6.6)
## : amount <= 1123:
## : :...other_debtors = co-applicant: no (1.6)
## : other_debtors = none:
## : :...installment_rate <= 2: no (3.1/0.8)
## : installment_rate > 2: yes (16.8/3.1)
## months_loan_duration > 16: [S2]
##
## SubTree [S1]
##
## credit_history in {repaid,delayed,fully repaid this bank,
## : fully repaid}: yes (17.5/3.9)
## credit_history = critical: no (10.5/2.7)
##
## SubTree [S2]
##
## credit_history in {delayed,fully repaid this bank}: yes (32.8/3.9)
## credit_history in {repaid,critical,fully repaid}:
## :...purpose in {car (new),education,repairs,retraining,others,
## : domestic appliances}: yes (40.2/11.3)
## purpose = business:
## :...housing in {rent,for free}: yes (3.1)
## : housing = own: no (19.9/3.9)
## purpose = radio/tv:
## :...employment_length in {1 - 4 yrs,0 - 1 yrs,unemployed}: yes (33.5/4.7)
## : employment_length in {> 7 yrs,4 - 7 yrs}: no (7/0.8)
## purpose = furniture:
## :...installment_plan = stores: no (2.3)
## installment_plan in {none,bank}:
## :...personal_status = single male: yes (16.8/4.7)
## personal_status in {married male,divorced male}: no (5.1/0.8)
## personal_status = female:
## :...checking_balance in {< 0 DM,> 200 DM}: yes (12.5/3.1)
## checking_balance = 1 - 200 DM: no (7.4/2.3)
##
## ----- Trial 2: -----
##
## Decision tree:
##
## checking_balance = unknown:
## :...purpose in {education,retraining,others,
## : : domestic appliances}: no (23.6/8.1)
## : purpose = repairs: yes (9.6/3.8)
## : purpose = radio/tv:
## : :...age <= 23: yes (8.3/2.5)
## : : age > 23: no (86.3/15.3)
## : purpose = car (used):
## : :...amount <= 10974: no (32)
## : : amount > 10974: yes (2.2)
## : purpose = business:
## : :...employment_length in {0 - 1 yrs,unemployed}: yes (6.9)
## : : employment_length in {1 - 4 yrs,> 7 yrs,4 - 7 yrs}:
## : : :...existing_credits <= 2: no (20.8/0.6)
## : : existing_credits > 2: yes (2.2)
## : purpose = furniture:
## : :...other_debtors = guarantor: no (0)
## : : other_debtors = co-applicant: yes (5/0.6)
## : : other_debtors = none:
## : : :...months_loan_duration <= 30: no (42.9/8)
## : : months_loan_duration > 30: yes (7.8/1.3)
## : purpose = car (new):
## : :...installment_rate <= 1: no (9)
## : installment_rate > 1:
## : :...other_debtors = guarantor: yes (2.8/0.6)
## : other_debtors = co-applicant: no (1.3)
## : other_debtors = none:
## : :...amount > 2522: yes (25.4/8)
## : amount <= 2522:
## : :...age <= 26: yes (2.8/0.6)
## : age > 26: no (23/0.6)
## checking_balance in {< 0 DM,1 - 200 DM,> 200 DM}:
## :...credit_history = fully repaid this bank:
## :...other_debtors = guarantor: yes (1.3)
## : other_debtors = co-applicant: no (4/0.6)
## : other_debtors = none:
## : :...age <= 23: no (3.4)
## : age > 23:
## : :...amount <= 409: no (2.8)
## : amount > 409: yes (35.5/2.5)
## credit_history in {repaid,critical,delayed,fully repaid}:
## :...other_debtors = guarantor: no (27.8/7.4)
## other_debtors = co-applicant: yes (20.5/8.8)
## other_debtors = none:
## :...personal_status = married male:
## :...credit_history = delayed: yes (4.3)
## : credit_history = fully repaid: no (2.2)
## : credit_history in {repaid,critical}:
## : :...checking_balance = < 0 DM: no (20/7.4)
## : checking_balance in {1 - 200 DM,> 200 DM}: yes (23.4/8.8)
## personal_status = divorced male:
## :...age <= 29: no (4.1)
## : age > 29:
## : :...housing = rent: yes (8.8)
## : housing = for free: no (0.6)
## : housing = own:
## : :...age <= 46: yes (21.3/3.8)
## : age > 46: no (3.6)
## personal_status = single male:
## :...savings_balance in {101 - 500 DM,> 1000 DM}: no (23.2/3.4)
## : savings_balance = 501 - 1000 DM: yes (5.3/2.5)
## : savings_balance = unknown:
## : :...credit_history in {repaid,critical}: yes (31.1/14.6)
## : : credit_history in {delayed,fully repaid}: no (7.3)
## : savings_balance = < 100 DM:
## : :...amount > 7596: yes (13.7/1.3)
## : amount <= 7596:
## : :...credit_history = critical: no (37.2/6.3)
## : credit_history in {delayed,
## : : fully repaid}: yes (30.1/10.3)
## : credit_history = repaid:
## : :...property in {real estate,unknown/none,
## : : building society savings}: no (53.5/17.9)
## : property = other:
## : :...existing_credits > 1: no (2.9)
## : existing_credits <= 1:
## : :...amount <= 4308: yes (18.5/3.6)
## : amount > 4308: no (3.6)
## personal_status = female:
## :...residence_history <= 1:
## :...age <= 36: no (23.7/3.1)
## : age > 36: yes (4.1/1.3)
## residence_history > 1:
## :...months_loan_duration > 39: yes (10.5/0.6)
## months_loan_duration <= 39:
## :...age > 56: no (8.2)
## age <= 56:
## :...credit_history = delayed: no (7.1/1.3)
## credit_history = fully repaid: yes (4.7/2.2)
## credit_history = critical: [S1]
## credit_history = repaid:
## :...purpose in {car (new),education,retraining,
## : others,
## : domestic appliances}: yes (35.9/7)
## purpose in {business,repairs,
## : car (used)}: no (11.4/3.6)
## purpose = radio/tv:
## :...months_loan_duration <= 18: yes (10.8/1.3)
## : months_loan_duration > 18: no (9.5/0.6)
## purpose = furniture:
## :...amount > 3416: no (6.2)
## amount <= 3416: [S2]
##
## SubTree [S1]
##
## property in {real estate,unknown/none,other}: yes (17.6/4.8)
## property = building society savings: no (6.5)
##
## SubTree [S2]
##
## checking_balance in {< 0 DM,1 - 200 DM}: yes (18.9/2.5)
## checking_balance = > 200 DM: no (2.9)
##
## ----- Trial 3: -----
##
## Decision tree:
##
## checking_balance in {unknown,> 200 DM}:
## :...purpose in {repairs,car (used),retraining,others,
## : : domestic appliances}: no (47.6/6.5)
## : purpose = business:
## : :...amount > 7763: yes (4.1)
## : : amount <= 7763:
## : : :...checking_balance = unknown: no (21/4.7)
## : : checking_balance = > 200 DM: yes (5.4/1.9)
## : purpose = education:
## : :...age > 43: no (4.6)
## : : age <= 43:
## : : :...savings_balance in {101 - 500 DM,< 100 DM,> 1000 DM,
## : : : 501 - 1000 DM}: yes (17.2/4.3)
## : : savings_balance = unknown: no (2)
## : purpose = car (new):
## : :...employment_length in {0 - 1 yrs,unemployed}: no (13.2)
## : : employment_length in {1 - 4 yrs,> 7 yrs,4 - 7 yrs}:
## : : :...existing_credits <= 1: no (41.1/10.3)
## : : existing_credits > 1:
## : : :...installment_plan = none: no (19.3/6.5)
## : : installment_plan in {bank,stores}: yes (8.3/1)
## : purpose = furniture:
## : :...employment_length in {> 7 yrs,4 - 7 yrs}: no (14.8)
## : : employment_length in {1 - 4 yrs,0 - 1 yrs,unemployed}:
## : : :...other_debtors = guarantor: no (0)
## : : other_debtors = co-applicant: yes (3.6)
## : : other_debtors = none:
## : : :...savings_balance in {101 - 500 DM,unknown,> 1000 DM,
## : : : 501 - 1000 DM}: no (12.3/2.9)
## : : savings_balance = < 100 DM:
## : : :...amount <= 2171: no (10.9)
## : : amount > 2171:
## : : :...age <= 34: yes (18.5/2.9)
## : : age > 34: no (2.4)
## : purpose = radio/tv:
## : :...age > 44: no (16.9)
## : age <= 44:
## : :...credit_history in {delayed,fully repaid this bank}: no (10.3/2.9)
## : credit_history = fully repaid: yes (2.3/0.5)
## : credit_history = critical:
## : :...installment_plan in {none,stores}: no (22/2.9)
## : : installment_plan = bank: yes (4.9/0.5)
## : credit_history = repaid:
## : :...existing_credits > 1: yes (14.1/2.4)
## : existing_credits <= 1:
## : :...installment_plan = bank: no (3.4)
## : installment_plan = stores: yes (1.8)
## : installment_plan = none:
## : :...months_loan_duration <= 9: yes (6.3/1.5)
## : months_loan_duration > 9: no (34.2/5.3)
## checking_balance in {< 0 DM,1 - 200 DM}:
## :...months_loan_duration <= 11:
## :...credit_history in {repaid,critical,delayed,fully repaid}: no (69.1/15)
## : credit_history = fully repaid this bank: yes (6)
## months_loan_duration > 11:
## :...savings_balance in {> 1000 DM,501 - 1000 DM}: no (26.9/8.9)
## savings_balance = 101 - 500 DM:
## :...age <= 45: no (38.5/15.3)
## : age > 45: yes (5)
## savings_balance = unknown:
## :...credit_history in {critical,delayed,fully repaid}: no (12.7)
## : credit_history in {repaid,fully repaid this bank}:
## : :...other_debtors = guarantor: yes (0)
## : other_debtors = co-applicant: no (2.7)
## : other_debtors = none:
## : :...installment_plan = bank: no (12.8/4.3)
## : installment_plan = stores: yes (2.9)
## : installment_plan = none:
## : :...checking_balance = < 0 DM: yes (23.1/4.6)
## : checking_balance = 1 - 200 DM: no (22.4/8.8)
## savings_balance = < 100 DM:
## :...months_loan_duration > 47: yes (26.8/4.7)
## months_loan_duration <= 47:
## :...purpose in {education,repairs,
## : domestic appliances}: yes (26.5/8.6)
## purpose in {retraining,others}: no (14.1/4)
## purpose = business:
## :...months_loan_duration <= 18: no (6.2)
## : months_loan_duration > 18: yes (18.6/7.6)
## purpose = car (used):
## :...personal_status in {single male,married male,
## : : divorced male}: no (18.5/6.5)
## : personal_status = female: yes (4.1)
## purpose = radio/tv:
## :...months_loan_duration > 36: yes (6.1)
## : months_loan_duration <= 36:
## : :...other_debtors in {guarantor,
## : : co-applicant}: no (8.9/0.5)
## : other_debtors = none:
## : :...housing in {rent,for free}: yes (10.7/2.4)
## : housing = own:
## : :...installment_plan in {none,bank}: no (30.1/11.3)
## : installment_plan = stores: yes (2.9)
## purpose = car (new):
## :...installment_plan in {bank,stores}: yes (15.6/2.4)
## : installment_plan = none:
## : :...other_debtors = guarantor: no (1.8)
## : other_debtors = co-applicant: yes (5)
## : other_debtors = none:
## : :...installment_rate <= 2:
## : :...personal_status in {single male,female,
## : : : married male}: no (13.7/1.9)
## : : personal_status = divorced male: yes (6.2/1.4)
## : installment_rate > 2:
## : :...personal_status in {female,
## : : divorced male}: yes (10.6)
## : personal_status in {single male,married male}:
## : :...months_loan_duration <= 22: no (13.6/4.8)
## : months_loan_duration > 22: yes (4.4)
## purpose = furniture:
## :...installment_rate <= 1: no (9.6/1)
## installment_rate > 1:
## :...installment_plan = bank: yes (10.3/1.4)
## installment_plan = stores: no (1.9)
## installment_plan = none:
## :...residence_history <= 1: no (8.1)
## residence_history > 1:
## :...installment_rate <= 2: no (10.7/2.9)
## installment_rate > 2:
## :...residence_history <= 3: yes (18.9/2.9)
## residence_history > 3: no (11.2/4.7)
##
## ----- Trial 4: -----
##
## Decision tree:
##
## checking_balance in {unknown,> 200 DM}:
## :...employment_length = 4 - 7 yrs: no (47.6/7.3)
## : employment_length in {1 - 4 yrs,> 7 yrs,0 - 1 yrs,unemployed}:
## : :...credit_history in {fully repaid this bank,fully repaid}: no (15.6/6.3)
## : credit_history = critical:
## : :...amount <= 6967: no (79/15)
## : : amount > 6967: yes (14.9/4.3)
## : credit_history = delayed:
## : :...personal_status in {female,married male}: no (5.9)
## : : personal_status in {single male,divorced male}:
## : : :...installment_rate <= 3: no (6.3/1.9)
## : : installment_rate > 3: yes (17.1/1.2)
## : credit_history = repaid:
## : :...existing_credits > 1:
## : :...installment_rate <= 3: yes (19.5/3.1)
## : : installment_rate > 3: no (9/1.4)
## : existing_credits <= 1:
## : :...purpose in {car (new),business,education,car (used),retraining,
## : : others,domestic appliances}: no (58.9/17.7)
## : purpose = repairs: yes (2.7)
## : purpose = radio/tv:
## : :...other_debtors in {guarantor,none}: no (35.3/6.8)
## : : other_debtors = co-applicant: yes (5.3/1.1)
## : purpose = furniture:
## : :...installment_plan = bank: yes (2.8/0.4)
## : installment_plan = stores: no (2.2)
## : installment_plan = none:
## : :...age <= 27: no (7.9)
## : age > 27: yes (16/3.3)
## checking_balance in {< 0 DM,1 - 200 DM}:
## :...credit_history = fully repaid this bank: yes (36.8/9.3)
## credit_history = fully repaid:
## :...housing in {rent,for free}: yes (9.8)
## : housing = own:
## : :...installment_rate <= 3: no (18.2/4.5)
## : installment_rate > 3: yes (3.5)
## credit_history = delayed:
## :...installment_rate <= 1: no (8.9)
## : installment_rate > 1:
## : :...savings_balance = unknown: no (3.3)
## : savings_balance in {> 1000 DM,501 - 1000 DM}: yes (3.9)
## : savings_balance in {101 - 500 DM,< 100 DM}:
## : :...employment_length in {1 - 4 yrs,> 7 yrs,4 - 7 yrs,
## : : unemployed}: no (19.2/6.3)
## : employment_length = 0 - 1 yrs: yes (6.8)
## credit_history = critical:
## :...savings_balance in {101 - 500 DM,unknown,> 1000 DM}: no (16.2)
## : savings_balance in {< 100 DM,501 - 1000 DM}:
## : :...age > 61: no (6.1)
## : age <= 61:
## : :...months_loan_duration > 36: yes (6.5)
## : months_loan_duration <= 36:
## : :...housing = for free: no (7.9/1.4)
## : housing = rent:
## : :...residence_history <= 3: no (4.2)
## : : residence_history > 3: yes (14.5/1.9)
## : housing = own:
## : :...existing_credits > 2: no (5.3)
## : existing_credits <= 2:
## : :...amount > 7685: yes (5.5)
## : amount <= 7685:
## : :...employment_length in {1 - 4 yrs,> 7 yrs,
## : : 0 - 1 yrs,
## : : unemployed}: yes (41/19.5)
## : employment_length = 4 - 7 yrs: no (7.9)
## credit_history = repaid:
## :...amount > 8072: yes (31.5/4.2)
## amount <= 8072:
## :...other_debtors in {guarantor,co-applicant}: no (22/7.2)
## other_debtors = none:
## :...purpose in {business,education,repairs,car (used),
## : others}: no (62.4/18.8)
## purpose in {radio/tv,retraining,
## : domestic appliances}: yes (83.7/33.7)
## purpose = car (new):
## :...installment_rate <= 2: no (16.9/5.6)
## : installment_rate > 2: yes (41.6/7.7)
## purpose = furniture:
## :...checking_balance = 1 - 200 DM: yes (25.2/7.6)
## checking_balance = < 0 DM:
## :...residence_history <= 1: no (6.8/2.3)
## residence_history > 1:
## :...installment_plan = bank: yes (4.2/0.4)
## installment_plan = stores: no (1.1)
## installment_plan = none:
## :...installment_rate <= 1: no (4.9)
## installment_rate > 1:
## :...age <= 23: yes (8.5)
## age > 23: no (19.6/8.4)
##
## ----- Trial 5: -----
##
## Decision tree:
##
## credit_history = critical:
## :...age > 60: no (14.2)
## : age <= 60:
## : :...installment_plan = stores: no (11.3/4.2)
## : installment_plan = bank:
## : :...existing_credits <= 1: yes (12.5/2.9)
## : : existing_credits > 1:
## : : :...months_loan_duration <= 16: no (7.9)
## : : months_loan_duration > 16: yes (15.3/5.1)
## : installment_plan = none:
## : :...checking_balance in {< 0 DM,1 - 200 DM}: no (92.2/32.8)
## : checking_balance = > 200 DM: yes (14.4/4.5)
## : checking_balance = unknown:
## : :...age > 30: no (35.1)
## : age <= 30:
## : :...age <= 29: no (13.3/1.2)
## : age > 29: yes (7.4/1)
## credit_history in {repaid,delayed,fully repaid this bank,fully repaid}:
## :...property = real estate:
## :...savings_balance in {101 - 500 DM,> 1000 DM}: no (17.6)
## : savings_balance in {< 100 DM,unknown,501 - 1000 DM}:
## : :...months_loan_duration <= 9: no (31.7/3.9)
## : months_loan_duration > 9:
## : :...purpose in {business,education,repairs,
## : : domestic appliances}: yes (15.1/2.6)
## : purpose in {car (used),retraining,others}: no (6.9)
## : purpose = car (new):
## : :...amount <= 2812: yes (20.2/6.9)
## : : amount > 2812: no (6.2)
## : purpose = furniture:
## : :...installment_plan = bank: yes (3.5/0.3)
## : : installment_plan = stores: no (3.5)
## : : installment_plan = none:
## : : :...months_loan_duration <= 15: no (6.6)
## : : months_loan_duration > 15: yes (12.1/4.5)
## : purpose = radio/tv:
## : :...credit_history in {delayed,fully repaid}: no (3.2/0.3)
## : credit_history = fully repaid this bank: yes (1.2)
## : credit_history = repaid:
## : :...months_loan_duration > 42: yes (4.6)
## : months_loan_duration <= 42:
## : :...other_debtors in {guarantor,none}: no (36.4/14.6)
## : other_debtors = co-applicant: yes (3.4)
## property in {unknown/none,building society savings,other}:
## :...checking_balance = > 200 DM:
## :...months_loan_duration <= 11: yes (7/1.6)
## : months_loan_duration > 11: no (24.5/3.3)
## checking_balance in {unknown,< 0 DM,1 - 200 DM}:
## :...savings_balance in {unknown,501 - 1000 DM}:
## :...other_debtors = guarantor: yes (3.3)
## : other_debtors = co-applicant: no (2.1)
## : other_debtors = none:
## : :...checking_balance in {unknown,1 - 200 DM}:
## : :...personal_status in {married male,
## : : : divorced male}: no (3.7)
## : : personal_status = female:
## : : :...months_loan_duration <= 21: yes (15.1/3.6)
## : : : months_loan_duration > 21: no (14.5/2)
## : : personal_status = single male:
## : : :...installment_rate > 3: no (24.7/1.2)
## : : installment_rate <= 3:
## : : :...existing_credits <= 1: no (16.3/5.3)
## : : existing_credits > 1: yes (6.9/1.7)
## : checking_balance = < 0 DM:
## : :...existing_credits > 1: no (3.6/0.9)
## : existing_credits <= 1: [S1]
## savings_balance in {101 - 500 DM,< 100 DM,> 1000 DM}:
## :...residence_history <= 1:
## :...installment_rate <= 1: yes (11.4/2.1)
## : installment_rate > 1:
## : :...housing = rent: yes (4.5/0.7)
## : housing in {own,for free}: no (41.1/12.8)
## residence_history > 1:
## :...installment_rate > 2: yes (181.9/55)
## installment_rate <= 2:
## :...credit_history = delayed: no (16.3/1)
## credit_history in {repaid,fully repaid this bank,
## : fully repaid}:
## :...employment_length in {> 7 yrs,
## : 0 - 1 yrs}: yes (33.5/9.3)
## employment_length in {4 - 7 yrs,
## : unemployed}: no (24.9/9.5)
## employment_length = 1 - 4 yrs:
## :...savings_balance in {101 - 500 DM,
## : > 1000 DM}: yes (9.5/0.7)
## savings_balance = < 100 DM: [S2]
##
## SubTree [S1]
##
## credit_history in {delayed,fully repaid this bank,fully repaid}: yes (4.2)
## credit_history = repaid:
## :...employment_length in {1 - 4 yrs,> 7 yrs,4 - 7 yrs}: yes (19/4.1)
## employment_length in {0 - 1 yrs,unemployed}: no (3.6)
##
## SubTree [S2]
##
## purpose in {education,repairs,retraining,domestic appliances}: yes (0)
## purpose in {car (new),radio/tv}: no (7.5)
## purpose in {business,furniture,car (used),others}:
## :...personal_status in {single male,female,divorced male}: yes (21.5/5.2)
## personal_status = married male: no (3.5)
##
## ----- Trial 6: -----
##
## Decision tree:
##
## checking_balance = unknown:
## :...employment_length = 4 - 7 yrs: no (41/3.9)
## : employment_length in {1 - 4 yrs,> 7 yrs,0 - 1 yrs,unemployed}:
## : :...purpose in {education,repairs}: yes (25.6/11.6)
## : purpose in {car (used),retraining,others,
## : : domestic appliances}: no (22.4/1.8)
## : purpose = business:
## : :...employment_length in {1 - 4 yrs,> 7 yrs}: no (17.6/4.2)
## : : employment_length in {0 - 1 yrs,unemployed}: yes (10.4)
## : purpose = furniture:
## : :...other_debtors in {guarantor,none}: no (37.1/11.1)
## : : other_debtors = co-applicant: yes (2.8)
## : purpose = car (new):
## : :...employment_length in {> 7 yrs,0 - 1 yrs,unemployed}: no (23.2/5.9)
## : : employment_length = 1 - 4 yrs:
## : : :...months_loan_duration <= 9: no (4.5)
## : : months_loan_duration > 9: yes (23/8.2)
## : purpose = radio/tv:
## : :...existing_credits <= 1: no (32.5/5.3)
## : existing_credits > 1:
## : :...credit_history in {repaid,delayed}: yes (14.8/4.8)
## : credit_history in {critical,fully repaid this bank,
## : fully repaid}: no (13.4)
## checking_balance in {< 0 DM,1 - 200 DM,> 200 DM}:
## :...savings_balance = 501 - 1000 DM: no (27.5/11.6)
## savings_balance = > 1000 DM:
## :...installment_plan = none: no (11.2)
## : installment_plan in {bank,stores}: yes (7.5/2.4)
## savings_balance = 101 - 500 DM:
## :...personal_status = single male: no (27.9/8.6)
## : personal_status in {female,married male,divorced male}:
## : :...credit_history in {repaid,fully repaid this bank,
## : : fully repaid}: yes (29.4/5.1)
## : credit_history in {critical,delayed}: no (4.2)
## savings_balance = unknown:
## :...other_debtors in {guarantor,co-applicant}: no (4.7)
## : other_debtors = none:
## : :...existing_credits > 1: no (21.2/6.6)
## : existing_credits <= 1:
## : :...amount > 10297: yes (5.3/0.8)
## : amount <= 10297:
## : :...personal_status in {single male,
## : : divorced male}: no (26.2/9.1)
## : personal_status = married male: yes (5.9/0.8)
## : personal_status = female:
## : :...amount <= 2782: yes (15.4/4.1)
## : amount > 2782: no (11.4/0.8)
## savings_balance = < 100 DM:
## :...credit_history = fully repaid this bank:
## :...personal_status in {single male,married male}: no (8.7/3.3)
## : personal_status in {female,divorced male}: yes (11.2)
## credit_history = fully repaid:
## :...age <= 33: no (16.9/6.8)
## : age > 33: yes (9.4)
## credit_history = delayed:
## :...months_loan_duration <= 16: no (6)
## : months_loan_duration > 16:
## : :...installment_rate <= 1: no (3.7)
## : installment_rate > 1: yes (18.1/2.1)
## credit_history = critical:
## :...personal_status = divorced male: yes (7.8/0.9)
## : personal_status in {single male,female,married male}:
## : :...installment_rate <= 1: no (11.1/1)
## : installment_rate > 1:
## : :...months_loan_duration > 42: yes (4.5)
## : months_loan_duration <= 42:
## : :...residence_history <= 1: no (3.4)
## : residence_history > 1:
## : :...residence_history <= 3: yes (37.1/14.5)
## : residence_history > 3: no (40.6/14.8)
## credit_history = repaid:
## :...other_debtors = guarantor: no (16/3.6)
## other_debtors = co-applicant: yes (13/5)
## other_debtors = none:
## :...purpose in {business,education,others}: no (28.1/12.2)
## purpose in {repairs,car (used),retraining,
## : domestic appliances}: yes (28.5/11.3)
## purpose = car (new):
## :...personal_status = married male: no (2.6)
## : personal_status = divorced male: yes (4.8)
## : personal_status in {single male,female}:
## : :...checking_balance = > 200 DM: no (2.8)
## : checking_balance in {< 0 DM,1 - 200 DM}:
## : :...installment_rate > 3: yes (9.1)
## : installment_rate <= 3:
## : :...residence_history <= 2: yes (7.9/1.7)
## : residence_history > 2: no (11.4/1.5)
## purpose = furniture:
## :...amount > 4657: yes (5.6)
## : amount <= 4657:
## : :...checking_balance = 1 - 200 DM: yes (14.7/6.1)
## : checking_balance = > 200 DM: no (8.8/1.6)
## : checking_balance = < 0 DM:
## : :...amount > 3448: no (7.7)
## : amount <= 3448:
## : :...residence_history <= 1: no (3.1)
## : residence_history > 1: yes (17.1/6.9)
## purpose = radio/tv:
## :...employment_length in {> 7 yrs,4 - 7 yrs}: no (17.2/3.8)
## employment_length = unemployed: yes (0.3)
## employment_length = 0 - 1 yrs:
## :...age <= 25: yes (10.9)
## : age > 25: no (10.6/2.8)
## employment_length = 1 - 4 yrs:
## :...residence_history <= 1: no (5.9)
## residence_history > 1:
## :...installment_plan in {bank,stores}: yes (2.8)
## installment_plan = none:
## :...amount <= 4057: no (21.9/8)
## amount > 4057: yes (4.5)
##
## ----- Trial 7: -----
##
## Decision tree:
##
## checking_balance = unknown:
## :...installment_plan = stores: yes (13.2/5.3)
## : installment_plan = bank:
## : :...installment_rate <= 1: no (4.7)
## : : installment_rate > 1:
## : : :...age > 44: no (7.7)
## : : age <= 44:
## : : :...other_debtors in {guarantor,co-applicant}: no (2.1)
## : : other_debtors = none:
## : : :...amount <= 709: no (4.5)
## : : amount > 709:
## : : :...personal_status in {female,
## : : : divorced male}: yes (8.1/1.5)
## : : personal_status = married male: no (1.4)
## : : personal_status = single male:
## : : :...savings_balance in {101 - 500 DM,
## : : : unknown}: no (3.9)
## : : savings_balance in {< 100 DM,> 1000 DM,
## : : 501 - 1000 DM}: yes (19.6/3.3)
## : installment_plan = none:
## : :...credit_history in {fully repaid this bank,fully repaid}: no (4.8)
## : credit_history = critical:
## : :...amount <= 6967: no (47/2.9)
## : : amount > 6967: yes (6.8/1.9)
## : credit_history = delayed:
## : :...property in {real estate,building society savings}: no (5.6)
## : : property in {unknown/none,other}: yes (17.4/6.9)
## : credit_history = repaid:
## : :...personal_status in {married male,divorced male}: no (14.5/1.5)
## : personal_status = female:
## : :...employment_length in {> 7 yrs,4 - 7 yrs}: no (8.2)
## : : employment_length in {1 - 4 yrs,0 - 1 yrs,unemployed}:
## : : :...existing_credits > 1: yes (5.3)
## : : existing_credits <= 1:
## : : :...savings_balance in {101 - 500 DM,unknown,
## : : : > 1000 DM}: no (8.3)
## : : savings_balance in {< 100 DM,501 - 1000 DM}:
## : : :...age <= 33: yes (21.3/4.8)
## : : age > 33: no (4)
## : personal_status = single male:
## : :...property in {real estate,unknown/none}: no (17.3)
## : property in {building society savings,other}:
## : :...other_debtors = guarantor: yes (2.9/0.6)
## : other_debtors = co-applicant: no (0.2)
## : other_debtors = none:
## : :...installment_rate <= 2: yes (11.4/5.4)
## : installment_rate > 2:
## : :...age <= 23: yes (3.1)
## : age > 23:
## : :...purpose in {car (new),business,furniture,
## : : radio/tv,repairs,car (used),
## : : retraining,others,
## : : domestic appliances}: no (20.6)
## : purpose = education: yes (2.1)
## checking_balance in {< 0 DM,1 - 200 DM,> 200 DM}:
## :...credit_history in {fully repaid this bank,fully repaid}:
## :...housing = rent: yes (14.8/0.2)
## : housing in {own,for free}:
## : :...other_debtors in {guarantor,co-applicant}: no (3.9)
## : other_debtors = none:
## : :...personal_status = married male: no (3.8)
## : personal_status in {single male,female,divorced male}:
## : :...installment_rate <= 3:
## : :...installment_plan in {none,stores}: yes (16.6/4.4)
## : : installment_plan = bank: no (13.1/4.4)
## : installment_rate > 3:
## : :...age <= 23: no (2.4)
## : age > 23: yes (21.6/0.6)
## credit_history in {repaid,critical,delayed}:
## :...months_loan_duration <= 27:
## :...purpose in {business,repairs,car (used),others}: no (75.1/23.1)
## : purpose in {retraining,domestic appliances}: yes (7.3/3)
## : purpose = car (new):
## : :...months_loan_duration > 22: yes (17/1.1)
## : : months_loan_duration <= 22:
## : : :...installment_plan in {none,stores}: no (80.2/28.9)
## : : installment_plan = bank: yes (12.9/5.1)
## : purpose = education:
## : :...savings_balance in {101 - 500 DM,> 1000 DM,
## : : : 501 - 1000 DM}: yes (0)
## : : savings_balance = unknown: no (3)
## : : savings_balance = < 100 DM:
## : : :...checking_balance = < 0 DM: yes (10.2)
## : : checking_balance in {1 - 200 DM,> 200 DM}: no (9.7/3.7)
## : purpose = furniture:
## : :...employment_length in {4 - 7 yrs,0 - 1 yrs}: no (27.1/5)
## : : employment_length = unemployed: yes (8.3/3.7)
## : : employment_length = > 7 yrs:
## : : :...residence_history <= 3: yes (8.7/1.8)
## : : : residence_history > 3: no (14.5/2)
## : : employment_length = 1 - 4 yrs:
## : : :...residence_history > 3: yes (13.8/1.9)
## : : residence_history <= 3:
## : : :...residence_history <= 1: yes (5.2/0.9)
## : : residence_history > 1: no (24.8/4.6)
## : purpose = radio/tv:
## : :...installment_plan = stores: yes (4.7)
## : installment_plan in {none,bank}:
## : :...other_debtors in {guarantor,co-applicant}: no (6.7)
## : other_debtors = none:
## : :...months_loan_duration <= 7: no (7.5)
## : months_loan_duration > 7:
## : :...employment_length in {> 7 yrs,4 - 7 yrs}:
## : :...amount <= 939: yes (5.1/1.4)
## : : amount > 939: no (17.3)
## : employment_length in {1 - 4 yrs,0 - 1 yrs,
## : : unemployed}: [S1]
## months_loan_duration > 27:
## :...employment_length = unemployed: no (9.7/1.5)
## employment_length in {1 - 4 yrs,> 7 yrs,4 - 7 yrs,0 - 1 yrs}:
## :...other_debtors = co-applicant: yes (6.9)
## other_debtors in {guarantor,none}:
## :...residence_history <= 1: no (16.4/6.1)
## residence_history > 1:
## :...employment_length = 0 - 1 yrs: yes (10.6)
## employment_length in {1 - 4 yrs,> 7 yrs,4 - 7 yrs}:
## :...property in {real estate,unknown/none,
## : other}: yes (52/12)
## property = building society savings:
## :...existing_credits > 1: no (9.8/0.7)
## existing_credits <= 1:
## :...other_debtors = guarantor: no (1.5)
## other_debtors = none: yes (16.8/5.6)
##
## SubTree [S1]
##
## property in {unknown/none,building society savings}: yes (22.7/6.1)
## property = other: no (21/6.1)
## property = real estate:
## :...credit_history in {repaid,delayed}: yes (29.8/8.6)
## credit_history = critical: no (1.4)
##
## ----- Trial 8: -----
##
## Decision tree:
##
## checking_balance = unknown: no (265.4/71.9)
## checking_balance in {< 0 DM,1 - 200 DM,> 200 DM}:
## :...credit_history = fully repaid this bank: yes (37.7/10.9)
## credit_history = delayed:
## :...checking_balance = < 0 DM: yes (10.5/1.4)
## : checking_balance in {1 - 200 DM,> 200 DM}:
## : :...age <= 55: no (27.6/5.9)
## : age > 55: yes (4.2)
## credit_history = critical:
## :...purpose in {business,car (used),retraining,
## : : domestic appliances}: no (26.8/5.6)
## : purpose in {education,repairs,others}: yes (16.8/4.1)
## : purpose = furniture:
## : :...property in {real estate,other}: yes (13.7/2.6)
## : : property in {unknown/none,building society savings}: no (20.6/4.9)
## : purpose = radio/tv:
## : :...age <= 43: yes (16.4/5.3)
## : : age > 43: no (7)
## : purpose = car (new):
## : :...employment_length in {1 - 4 yrs,0 - 1 yrs}: no (12.3)
## : employment_length in {> 7 yrs,4 - 7 yrs,unemployed}:
## : :...months_loan_duration <= 11: no (5.6)
## : months_loan_duration > 11: yes (27.5/6.1)
## credit_history = fully repaid:
## :...housing in {rent,for free}: yes (8.3)
## : housing = own:
## : :...installment_rate > 3: yes (4)
## : installment_rate <= 3:
## : :...amount <= 12976: no (17.9/3.6)
## : amount > 12976: yes (3.5)
## credit_history = repaid:
## :...amount > 6260: yes (58.5/14.9)
## amount <= 6260:
## :...savings_balance = > 1000 DM: no (8.4)
## savings_balance in {101 - 500 DM,< 100 DM,unknown,501 - 1000 DM}:
## :...other_debtors = guarantor: no (11.1/1.7)
## other_debtors = co-applicant: yes (9.6/3.9)
## other_debtors = none:
## :...purpose in {car (new),business,education,
## : domestic appliances}: yes (93.5/36.3)
## purpose in {repairs,car (used),retraining,
## : others}: no (30.6/9.4)
## purpose = radio/tv:
## :...savings_balance = 101 - 500 DM: yes (8.4/2.5)
## : savings_balance in {unknown,
## : : 501 - 1000 DM}: no (20/4.5)
## : savings_balance = < 100 DM:
## : :...personal_status = married male: no (10.9/4.1)
## : personal_status = divorced male: yes (2.8)
## : personal_status = female:
## : :...months_loan_duration <= 18: yes (16.7/5)
## : : months_loan_duration > 18: no (7.9/0.2)
## : personal_status = single male:
## : :...installment_plan = bank: no (1.3)
## : installment_plan = stores: yes (2.6)
## : installment_plan = none:
## : :...months_loan_duration <= 13: no (11.5)
## : months_loan_duration > 13: yes (14.8/5.1)
## purpose = furniture:
## :...housing = for free: no (6.1)
## housing in {rent,own}:
## :...age > 44: no (6.4)
## age <= 44:
## :...savings_balance in {101 - 500 DM,unknown,
## : 501 - 1000 DM}: yes (8.2/1)
## savings_balance = < 100 DM: [S1]
##
## SubTree [S1]
##
## personal_status in {single male,married male,divorced male}: no (25.8/10.4)
## personal_status = female:
## :...employment_length in {1 - 4 yrs,unemployed}: yes (8.2)
## employment_length in {> 7 yrs,4 - 7 yrs,0 - 1 yrs}: no (11.2/2.2)
##
## ----- Trial 9: -----
##
## Decision tree:
##
## checking_balance in {unknown,> 200 DM}:
## :...purpose in {education,radio/tv,repairs,retraining,others,
## : : domestic appliances}: no (121.3/32.7)
## : purpose = car (used):
## : :...amount <= 10974: no (25)
## : : amount > 10974: yes (2.7)
## : purpose = business:
## : :...existing_credits > 2: yes (2.7)
## : : existing_credits <= 2:
## : : :...employment_length in {0 - 1 yrs,unemployed}: yes (13.8/1.7)
## : : employment_length in {1 - 4 yrs,> 7 yrs,4 - 7 yrs}:
## : : :...credit_history in {repaid,critical,delayed,
## : : : fully repaid this bank}: no (18.6/0.6)
## : : credit_history = fully repaid: yes (3.2)
## : purpose = car (new):
## : :...residence_history <= 1: no (6.9)
## : : residence_history > 1:
## : : :...months_loan_duration <= 9: no (6.6)
## : : months_loan_duration > 9:
## : : :...other_debtors = guarantor: yes (2.5)
## : : other_debtors = co-applicant: no (0.7)
## : : other_debtors = none:
## : : :...credit_history in {repaid,delayed,
## : : : fully repaid}: no (35.8/12.9)
## : : credit_history = fully repaid this bank: yes (2.4)
## : : credit_history = critical:
## : : :...residence_history <= 2: yes (12.7/0.2)
## : : residence_history > 2: no (10.3/2.7)
## : purpose = furniture:
## : :...employment_length in {> 7 yrs,4 - 7 yrs}: no (11.6)
## : employment_length in {1 - 4 yrs,0 - 1 yrs,unemployed}:
## : :...other_debtors in {guarantor,co-applicant}: yes (4.3)
## : other_debtors = none:
## : :...months_loan_duration > 30: yes (7.7/0.4)
## : months_loan_duration <= 30:
## : :...existing_credits > 1: no (6.2)
## : existing_credits <= 1:
## : :...credit_history in {critical,delayed,
## : : fully repaid this bank,
## : : fully repaid}: no (1.8)
## : credit_history = repaid:
## : :...installment_plan = bank: yes (3/0.5)
## : installment_plan = stores: no (1.6)
## : installment_plan = none:
## : :...age <= 27: no (6.9)
## : age > 27: yes (11.8/2.7)
## checking_balance in {< 0 DM,1 - 200 DM}:
## :...savings_balance in {> 1000 DM,501 - 1000 DM}: no (34.9/12.9)
## savings_balance = 101 - 500 DM:
## :...employment_length in {1 - 4 yrs,0 - 1 yrs,unemployed}: yes (28.8/8.8)
## : employment_length in {> 7 yrs,4 - 7 yrs}: no (27/6.9)
## savings_balance = unknown:
## :...other_debtors in {guarantor,co-applicant}: no (4.9)
## : other_debtors = none:
## : :...existing_credits > 1: no (11.3/1.5)
## : existing_credits <= 1:
## : :...amount > 10297: yes (4.4/1)
## : amount <= 10297:
## : :...months_loan_duration <= 10: no (7.2)
## : months_loan_duration > 10:
## : :...personal_status in {single male,
## : : married male}: yes (25.2/10.6)
## : personal_status = divorced male: no (1.9)
## : personal_status = female:
## : :...installment_rate <= 3: no (12.9/1.5)
## : installment_rate > 3: yes (11.2/3.5)
## savings_balance = < 100 DM:
## :...months_loan_duration > 15:
## :...housing = rent:
## : :...existing_credits > 1: yes (11.3/0.9)
## : : existing_credits <= 1:
## : : :...months_loan_duration <= 22: no (13.6/3.9)
## : : months_loan_duration > 22:
## : : :...age <= 46: yes (18.3/1.7)
## : : age > 46: no (3.1/0.3)
## : housing = for free:
## : :...personal_status in {married male,divorced male}: no (0)
## : : personal_status = female: yes (10.4/2.2)
## : : personal_status = single male:
## : : :...credit_history in {delayed,fully repaid}: yes (3.8)
## : : credit_history in {repaid,critical,fully repaid this bank}:
## : : :...employment_length = 1 - 4 yrs: yes (2.4)
## : : employment_length in {> 7 yrs,4 - 7 yrs,0 - 1 yrs,
## : : unemployed}: no (19.7/1.2)
## : housing = own:
## : :...installment_plan in {bank,stores}: yes (32/9.3)
## : installment_plan = none:
## : :...purpose in {car (new),business,education,retraining,
## : : domestic appliances}: yes (41.5/14.5)
## : purpose in {repairs,car (used),others}: no (22/7.3)
## : purpose = radio/tv:
## : :...employment_length in {1 - 4 yrs,4 - 7 yrs,0 - 1 yrs,
## : : : unemployed}: yes (25.1/6.4)
## : : employment_length = > 7 yrs: no (4.7)
## : purpose = furniture:
## : :...existing_credits > 1: no (5)
## : existing_credits <= 1:
## : :...residence_history <= 1: no (4)
## : residence_history > 1: yes (20.2/4.1)
## months_loan_duration <= 15:
## :...purpose in {business,radio/tv,car (used),retraining,others,
## : domestic appliances}: no (57/12.2)
## purpose in {education,repairs}: yes (15/3.9)
## purpose = furniture:
## :...amount <= 5743: no (38.3/12.5)
## : amount > 5743: yes (2.3)
## purpose = car (new):
## :...residence_history <= 1: yes (4.8)
## residence_history > 1:
## :...employment_length = > 7 yrs: yes (11.4/1.3)
## employment_length in {1 - 4 yrs,4 - 7 yrs,0 - 1 yrs,
## : unemployed}:
## :...checking_balance = 1 - 200 DM: no (8.2)
## checking_balance = < 0 DM:
## :...residence_history > 3: no (8.7/0.2)
## residence_history <= 3: [S1]
##
## SubTree [S1]
##
## credit_history in {repaid,fully repaid this bank}: yes (15.1/4.2)
## credit_history in {critical,delayed,fully repaid}: no (7.1)
##
##
## Evaluation on training data (900 cases):
##
## Trial Decision Tree
## ----- ----------------
## Size Errors
##
## 0 69 101(11.2%)
## 1 41 161(17.9%)
## 2 60 181(20.1%)
## 3 65 146(16.2%)
## 4 49 195(21.7%)
## 5 50 211(23.4%)
## 6 63 180(20.0%)
## 7 66 177(19.7%)
## 8 40 178(19.8%)
## 9 61 146(16.2%)
## boost 22( 2.4%) <<
##
##
## (a) (b) <-classified as
## ---- ----
## 633 3 (a): class no
## 19 245 (b): class yes
##
##
## Attribute usage:
##
## 100.00% checking_balance
## 100.00% credit_history
## 100.00% amount
## 99.11% purpose
## 95.00% months_loan_duration
## 90.33% installment_plan
## 89.00% other_debtors
## 88.89% employment_length
## 86.89% savings_balance
## 83.44% personal_status
## 77.67% property
## 76.89% age
## 69.89% installment_rate
## 68.78% residence_history
## 62.33% existing_credits
## 39.56% housing
##
##
## Time: 0.1 secs