Graphs
Stela Mucllari, Shahla Khan
October 17, 2019
Instituition : Portugese Banking Instituition
Product : Term Deposit
Campaign : Direct Marketing
Means : Phone Calls
Research Question : What makes a client subscribe for Term Deposit ?
Observations:
. There is asignificant difference between age, duration, euribor3m between those who subscribed to term deposit and who didn’t.
. Higher the duration spoken to the customers, more is the posibility of them subscribing to the term deposit.
. More clinets will subscribe to term deposit if their euribor 3 month rate is less.
##
## Welch Two Sample t-test
##
## data: bank$age by bank$y
## t = -4.7795, df = 5258.5, p-value = 1.805e-06
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
## -1.4129336 -0.5909889
## sample estimates:
## mean in group no mean in group yes
## 39.91119 40.91315##
## Welch Two Sample t-test
##
## data: bank$duration by bank$y
## t = -55.5, df = 4957.5, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
## -344.0859 -320.6068
## sample estimates:
## mean in group no mean in group yes
## 220.8448 553.1912##
## Welch Two Sample t-test
##
## data: bank$euribor3m by bank$y
## t = 62.58, df = 5729.2, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
## 1.635467 1.741246
## sample estimates:
## mean in group no mean in group yes
## 3.811491 2.123135Observations:
. There is a dependency between all the variables tested (job, marital, education and month) and customers who subscribed to term deposit.
. Salaried clas subscribe more to term deposit as the admin, technician and blue collar have a higher proportion of people who subscribed to term deposit.
. Students(5.9%) and unemployed (3.1%) people are least interested to subscribe.
. Married (54.6%) people are most likley to subscribe and divorced (10.3%) people are least likley to subscribe.
. 36% and 22.2% of the individuals who have subscribed to term deposit have University Degree and completed high school respectively.
. 19.1% of the customers who subscribed to the term deposit were contacted in May, While only 1.3% of the customers were contacted in the month of March, 50.5% out of them subscribed to term deposit.
. People with no loans are most likely to subscribe.
##
##
## Cell Contents
## |-------------------------|
## | N |
## | Chi-square contribution |
## | N / Row Total |
## | N / Col Total |
## | N / Table Total |
## |-------------------------|
##
##
## Total Observations in Table: 41188
##
##
## | bank2$subscribed
## bank2$job | no | yes | Row Total |
## --------------|-----------|-----------|-----------|
## admin. | 9070 | 1352 | 10422 |
## | 3.423 | 26.961 | |
## | 0.870 | 0.130 | 0.253 |
## | 0.248 | 0.291 | |
## | 0.220 | 0.033 | |
## --------------|-----------|-----------|-----------|
## blue-collar | 8616 | 638 | 9254 |
## | 19.926 | 156.951 | |
## | 0.931 | 0.069 | 0.225 |
## | 0.236 | 0.138 | |
## | 0.209 | 0.015 | |
## --------------|-----------|-----------|-----------|
## entrepreneur | 1332 | 124 | 1456 |
## | 1.240 | 9.767 | |
## | 0.915 | 0.085 | 0.035 |
## | 0.036 | 0.027 | |
## | 0.032 | 0.003 | |
## --------------|-----------|-----------|-----------|
## housemaid | 954 | 106 | 1060 |
## | 0.191 | 1.507 | |
## | 0.900 | 0.100 | 0.026 |
## | 0.026 | 0.023 | |
## | 0.023 | 0.003 | |
## --------------|-----------|-----------|-----------|
## management | 2596 | 328 | 2924 |
## | 0.001 | 0.006 | |
## | 0.888 | 0.112 | 0.071 |
## | 0.071 | 0.071 | |
## | 0.063 | 0.008 | |
## --------------|-----------|-----------|-----------|
## retired | 1286 | 434 | 1720 |
## | 37.814 | 297.849 | |
## | 0.748 | 0.252 | 0.042 |
## | 0.035 | 0.094 | |
## | 0.031 | 0.011 | |
## --------------|-----------|-----------|-----------|
## self-employed | 1272 | 149 | 1421 |
## | 0.097 | 0.767 | |
## | 0.895 | 0.105 | 0.035 |
## | 0.035 | 0.032 | |
## | 0.031 | 0.004 | |
## --------------|-----------|-----------|-----------|
## services | 3646 | 323 | 3969 |
## | 4.375 | 34.458 | |
## | 0.919 | 0.081 | 0.096 |
## | 0.100 | 0.070 | |
## | 0.089 | 0.008 | |
## --------------|-----------|-----------|-----------|
## student | 600 | 275 | 875 |
## | 40.090 | 315.775 | |
## | 0.686 | 0.314 | 0.021 |
## | 0.016 | 0.059 | |
## | 0.015 | 0.007 | |
## --------------|-----------|-----------|-----------|
## technician | 6013 | 730 | 6743 |
## | 0.147 | 1.156 | |
## | 0.892 | 0.108 | 0.164 |
## | 0.165 | 0.157 | |
## | 0.146 | 0.018 | |
## --------------|-----------|-----------|-----------|
## unemployed | 870 | 144 | 1014 |
## | 0.985 | 7.758 | |
## | 0.858 | 0.142 | 0.025 |
## | 0.024 | 0.031 | |
## | 0.021 | 0.003 | |
## --------------|-----------|-----------|-----------|
## unknown | 293 | 37 | 330 |
## | 0.000 | 0.001 | |
## | 0.888 | 0.112 | 0.008 |
## | 0.008 | 0.008 | |
## | 0.007 | 0.001 | |
## --------------|-----------|-----------|-----------|
## Column Total | 36548 | 4640 | 41188 |
## | 0.887 | 0.113 | |
## --------------|-----------|-----------|-----------|
##
##
## Statistics for All Table Factors
##
##
## Pearson's Chi-squared test
## ------------------------------------------------------------
## Chi^2 = 961.2424 d.f. = 11 p = 4.189763e-199
##
##
## ##
##
## Cell Contents
## |-------------------------|
## | N |
## | Chi-square contribution |
## | N / Row Total |
## | N / Col Total |
## | N / Table Total |
## |-------------------------|
##
##
## Total Observations in Table: 41188
##
##
## | bank2$subscribed
## bank2$marital | no | yes | Row Total |
## --------------|-----------|-----------|-----------|
## divorced | 4136 | 476 | 4612 |
## | 0.464 | 3.652 | |
## | 0.897 | 0.103 | 0.112 |
## | 0.113 | 0.103 | |
## | 0.100 | 0.012 | |
## --------------|-----------|-----------|-----------|
## married | 22396 | 2532 | 24928 |
## | 3.450 | 27.174 | |
## | 0.898 | 0.102 | 0.605 |
## | 0.613 | 0.546 | |
## | 0.544 | 0.061 | |
## --------------|-----------|-----------|-----------|
## single | 9948 | 1620 | 11568 |
## | 9.778 | 77.021 | |
## | 0.860 | 0.140 | 0.281 |
## | 0.272 | 0.349 | |
## | 0.242 | 0.039 | |
## --------------|-----------|-----------|-----------|
## unknown | 68 | 12 | 80 |
## | 0.126 | 0.990 | |
## | 0.850 | 0.150 | 0.002 |
## | 0.002 | 0.003 | |
## | 0.002 | 0.000 | |
## --------------|-----------|-----------|-----------|
## Column Total | 36548 | 4640 | 41188 |
## | 0.887 | 0.113 | |
## --------------|-----------|-----------|-----------|
##
##
## Statistics for All Table Factors
##
##
## Pearson's Chi-squared test
## ------------------------------------------------------------
## Chi^2 = 122.6552 d.f. = 3 p = 2.068015e-26
##
##
## ## Warning in chisq.test(t, correct = FALSE, ...): Chi-squared approximation
## may be incorrect##
##
## Cell Contents
## |-------------------------|
## | N |
## | Chi-square contribution |
## | N / Row Total |
## | N / Col Total |
## | N / Table Total |
## |-------------------------|
##
##
## Total Observations in Table: 41188
##
##
## | bank2$subscribed
## bank2$education | no | yes | Row Total |
## --------------------|-----------|-----------|-----------|
## basic.4y | 3748 | 428 | 4176 |
## | 0.486 | 3.829 | |
## | 0.898 | 0.102 | 0.101 |
## | 0.103 | 0.092 | |
## | 0.091 | 0.010 | |
## --------------------|-----------|-----------|-----------|
## basic.6y | 2104 | 188 | 2292 |
## | 2.423 | 19.088 | |
## | 0.918 | 0.082 | 0.056 |
## | 0.058 | 0.041 | |
## | 0.051 | 0.005 | |
## --------------------|-----------|-----------|-----------|
## basic.9y | 5572 | 473 | 6045 |
## | 8.065 | 63.527 | |
## | 0.922 | 0.078 | 0.147 |
## | 0.152 | 0.102 | |
## | 0.135 | 0.011 | |
## --------------------|-----------|-----------|-----------|
## high.school | 8484 | 1031 | 9515 |
## | 0.198 | 1.561 | |
## | 0.892 | 0.108 | 0.231 |
## | 0.232 | 0.222 | |
## | 0.206 | 0.025 | |
## --------------------|-----------|-----------|-----------|
## illiterate | 14 | 4 | 18 |
## | 0.244 | 1.918 | |
## | 0.778 | 0.222 | 0.000 |
## | 0.000 | 0.001 | |
## | 0.000 | 0.000 | |
## --------------------|-----------|-----------|-----------|
## professional.course | 4648 | 595 | 5243 |
## | 0.004 | 0.032 | |
## | 0.887 | 0.113 | 0.127 |
## | 0.127 | 0.128 | |
## | 0.113 | 0.014 | |
## --------------------|-----------|-----------|-----------|
## university.degree | 10498 | 1670 | 12168 |
## | 8.292 | 65.317 | |
## | 0.863 | 0.137 | 0.295 |
## | 0.287 | 0.360 | |
## | 0.255 | 0.041 | |
## --------------------|-----------|-----------|-----------|
## unknown | 1480 | 251 | 1731 |
## | 2.041 | 16.079 | |
## | 0.855 | 0.145 | 0.042 |
## | 0.040 | 0.054 | |
## | 0.036 | 0.006 | |
## --------------------|-----------|-----------|-----------|
## Column Total | 36548 | 4640 | 41188 |
## | 0.887 | 0.113 | |
## --------------------|-----------|-----------|-----------|
##
##
## Statistics for All Table Factors
##
##
## Pearson's Chi-squared test
## ------------------------------------------------------------
## Chi^2 = 193.1059 d.f. = 7 p = 3.305189e-38
##
##
## ##
##
## Cell Contents
## |-------------------------|
## | N |
## | Chi-square contribution |
## | N / Row Total |
## | N / Col Total |
## | N / Table Total |
## |-------------------------|
##
##
## Total Observations in Table: 41188
##
##
## | bank2$subscribed
## bank2$month | no | yes | Row Total |
## -------------|-----------|-----------|-----------|
## apr | 2093 | 539 | 2632 |
## | 25.178 | 198.321 | |
## | 0.795 | 0.205 | 0.064 |
## | 0.057 | 0.116 | |
## | 0.051 | 0.013 | |
## -------------|-----------|-----------|-----------|
## aug | 5523 | 655 | 6178 |
## | 0.306 | 2.413 | |
## | 0.894 | 0.106 | 0.150 |
## | 0.151 | 0.141 | |
## | 0.134 | 0.016 | |
## -------------|-----------|-----------|-----------|
## dec | 93 | 89 | 182 |
## | 29.052 | 228.836 | |
## | 0.511 | 0.489 | 0.004 |
## | 0.003 | 0.019 | |
## | 0.002 | 0.002 | |
## -------------|-----------|-----------|-----------|
## jul | 6525 | 649 | 7174 |
## | 3.980 | 31.353 | |
## | 0.910 | 0.090 | 0.174 |
## | 0.179 | 0.140 | |
## | 0.158 | 0.016 | |
## -------------|-----------|-----------|-----------|
## jun | 4759 | 559 | 5318 |
## | 0.341 | 2.683 | |
## | 0.895 | 0.105 | 0.129 |
## | 0.130 | 0.120 | |
## | 0.116 | 0.014 | |
## -------------|-----------|-----------|-----------|
## mar | 270 | 276 | 546 |
## | 94.958 | 747.959 | |
## | 0.495 | 0.505 | 0.013 |
## | 0.007 | 0.059 | |
## | 0.007 | 0.007 | |
## -------------|-----------|-----------|-----------|
## may | 12883 | 886 | 13769 |
## | 36.210 | 285.214 | |
## | 0.936 | 0.064 | 0.334 |
## | 0.352 | 0.191 | |
## | 0.313 | 0.022 | |
## -------------|-----------|-----------|-----------|
## nov | 3685 | 416 | 4101 |
## | 0.581 | 4.579 | |
## | 0.899 | 0.101 | 0.100 |
## | 0.101 | 0.090 | |
## | 0.089 | 0.010 | |
## -------------|-----------|-----------|-----------|
## oct | 403 | 315 | 718 |
## | 86.028 | 677.617 | |
## | 0.561 | 0.439 | 0.017 |
## | 0.011 | 0.068 | |
## | 0.010 | 0.008 | |
## -------------|-----------|-----------|-----------|
## sep | 314 | 256 | 570 |
## | 72.723 | 572.818 | |
## | 0.551 | 0.449 | 0.014 |
## | 0.009 | 0.055 | |
## | 0.008 | 0.006 | |
## -------------|-----------|-----------|-----------|
## Column Total | 36548 | 4640 | 41188 |
## | 0.887 | 0.113 | |
## -------------|-----------|-----------|-----------|
##
##
## Statistics for All Table Factors
##
##
## Pearson's Chi-squared test
## ------------------------------------------------------------
## Chi^2 = 3101.149 d.f. = 9 p = 0
##
##
##