Penerapan Metode Analisis Regresi Logisitik Dalam Menentukan Kelayakan Kredit.
Hellan Bagus Sedyansyah
1 Januari 2020
Dalam menentukan kelayakan kredit maka dilakukan proses klasifikasi pelanggan yang berisiko dengan yang tidak dan metode yang digunakan adalah metode regresi logistik. Data yang digunakan adalah data penilaian kredit Jerman yang disediakan oleh Dr. Hans Hofmann di University of Hamburg #Pengenalan Data
Memanggil data GermanCredit
library(caret)## Warning: package 'caret' was built under R version 3.5.3## Loading required package: lattice## Loading required package: ggplot2## Warning: package 'ggplot2' was built under R version 3.5.3# Memanggil data GermanCredit
# Data dari Dr. Hans Hofmann di University of Hamburg
data(GermanCredit)
head(GermanCredit,10)## Duration Amount InstallmentRatePercentage ResidenceDuration Age
## 1 6 1169 4 4 67
## 2 48 5951 2 2 22
## 3 12 2096 2 3 49
## 4 42 7882 2 4 45
## 5 24 4870 3 4 53
## 6 36 9055 2 4 35
## 7 24 2835 3 4 53
## 8 36 6948 2 2 35
## 9 12 3059 2 4 61
## 10 30 5234 4 2 28
## NumberExistingCredits NumberPeopleMaintenance Telephone ForeignWorker
## 1 2 1 0 1
## 2 1 1 1 1
## 3 1 2 1 1
## 4 1 2 1 1
## 5 2 2 1 1
## 6 1 2 0 1
## 7 1 1 1 1
## 8 1 1 0 1
## 9 1 1 1 1
## 10 2 1 1 1
## Class CheckingAccountStatus.lt.0 CheckingAccountStatus.0.to.200
## 1 Good 1 0
## 2 Bad 0 1
## 3 Good 0 0
## 4 Good 1 0
## 5 Bad 1 0
## 6 Good 0 0
## 7 Good 0 0
## 8 Good 0 1
## 9 Good 0 0
## 10 Bad 0 1
## CheckingAccountStatus.gt.200 CheckingAccountStatus.none
## 1 0 0
## 2 0 0
## 3 0 1
## 4 0 0
## 5 0 0
## 6 0 1
## 7 0 1
## 8 0 0
## 9 0 1
## 10 0 0
## CreditHistory.NoCredit.AllPaid CreditHistory.ThisBank.AllPaid
## 1 0 0
## 2 0 0
## 3 0 0
## 4 0 0
## 5 0 0
## 6 0 0
## 7 0 0
## 8 0 0
## 9 0 0
## 10 0 0
## CreditHistory.PaidDuly CreditHistory.Delay CreditHistory.Critical
## 1 0 0 1
## 2 1 0 0
## 3 0 0 1
## 4 1 0 0
## 5 0 1 0
## 6 1 0 0
## 7 1 0 0
## 8 1 0 0
## 9 1 0 0
## 10 0 0 1
## Purpose.NewCar Purpose.UsedCar Purpose.Furniture.Equipment
## 1 0 0 0
## 2 0 0 0
## 3 0 0 0
## 4 0 0 1
## 5 1 0 0
## 6 0 0 0
## 7 0 0 1
## 8 0 1 0
## 9 0 0 0
## 10 1 0 0
## Purpose.Radio.Television Purpose.DomesticAppliance Purpose.Repairs
## 1 1 0 0
## 2 1 0 0
## 3 0 0 0
## 4 0 0 0
## 5 0 0 0
## 6 0 0 0
## 7 0 0 0
## 8 0 0 0
## 9 1 0 0
## 10 0 0 0
## Purpose.Education Purpose.Vacation Purpose.Retraining Purpose.Business
## 1 0 0 0 0
## 2 0 0 0 0
## 3 1 0 0 0
## 4 0 0 0 0
## 5 0 0 0 0
## 6 1 0 0 0
## 7 0 0 0 0
## 8 0 0 0 0
## 9 0 0 0 0
## 10 0 0 0 0
## Purpose.Other SavingsAccountBonds.lt.100 SavingsAccountBonds.100.to.500
## 1 0 0 0
## 2 0 1 0
## 3 0 1 0
## 4 0 1 0
## 5 0 1 0
## 6 0 0 0
## 7 0 0 0
## 8 0 1 0
## 9 0 0 0
## 10 0 1 0
## SavingsAccountBonds.500.to.1000 SavingsAccountBonds.gt.1000
## 1 0 0
## 2 0 0
## 3 0 0
## 4 0 0
## 5 0 0
## 6 0 0
## 7 1 0
## 8 0 0
## 9 0 1
## 10 0 0
## SavingsAccountBonds.Unknown EmploymentDuration.lt.1
## 1 1 0
## 2 0 0
## 3 0 0
## 4 0 0
## 5 0 0
## 6 1 0
## 7 0 0
## 8 0 0
## 9 0 0
## 10 0 0
## EmploymentDuration.1.to.4 EmploymentDuration.4.to.7
## 1 0 0
## 2 1 0
## 3 0 1
## 4 0 1
## 5 1 0
## 6 1 0
## 7 0 0
## 8 1 0
## 9 0 1
## 10 0 0
## EmploymentDuration.gt.7 EmploymentDuration.Unemployed
## 1 1 0
## 2 0 0
## 3 0 0
## 4 0 0
## 5 0 0
## 6 0 0
## 7 1 0
## 8 0 0
## 9 0 0
## 10 0 1
## Personal.Male.Divorced.Seperated Personal.Female.NotSingle
## 1 0 0
## 2 0 1
## 3 0 0
## 4 0 0
## 5 0 0
## 6 0 0
## 7 0 0
## 8 0 0
## 9 1 0
## 10 0 0
## Personal.Male.Single Personal.Male.Married.Widowed
## 1 1 0
## 2 0 0
## 3 1 0
## 4 1 0
## 5 1 0
## 6 1 0
## 7 1 0
## 8 1 0
## 9 0 0
## 10 0 1
## Personal.Female.Single OtherDebtorsGuarantors.None
## 1 0 1
## 2 0 1
## 3 0 1
## 4 0 0
## 5 0 1
## 6 0 1
## 7 0 1
## 8 0 1
## 9 0 1
## 10 0 1
## OtherDebtorsGuarantors.CoApplicant OtherDebtorsGuarantors.Guarantor
## 1 0 0
## 2 0 0
## 3 0 0
## 4 0 1
## 5 0 0
## 6 0 0
## 7 0 0
## 8 0 0
## 9 0 0
## 10 0 0
## Property.RealEstate Property.Insurance Property.CarOther
## 1 1 0 0
## 2 1 0 0
## 3 1 0 0
## 4 0 1 0
## 5 0 0 0
## 6 0 0 0
## 7 0 1 0
## 8 0 0 1
## 9 1 0 0
## 10 0 0 1
## Property.Unknown OtherInstallmentPlans.Bank
## 1 0 0
## 2 0 0
## 3 0 0
## 4 0 0
## 5 1 0
## 6 1 0
## 7 0 0
## 8 0 0
## 9 0 0
## 10 0 0
## OtherInstallmentPlans.Stores OtherInstallmentPlans.None Housing.Rent
## 1 0 1 0
## 2 0 1 0
## 3 0 1 0
## 4 0 1 0
## 5 0 1 0
## 6 0 1 0
## 7 0 1 0
## 8 0 1 1
## 9 0 1 0
## 10 0 1 0
## Housing.Own Housing.ForFree Job.UnemployedUnskilled
## 1 1 0 0
## 2 1 0 0
## 3 1 0 0
## 4 0 1 0
## 5 0 1 0
## 6 0 1 0
## 7 1 0 0
## 8 0 0 0
## 9 1 0 0
## 10 1 0 0
## Job.UnskilledResident Job.SkilledEmployee
## 1 0 1
## 2 0 1
## 3 1 0
## 4 0 1
## 5 0 1
## 6 1 0
## 7 0 1
## 8 0 0
## 9 1 0
## 10 0 0
## Job.Management.SelfEmp.HighlyQualified
## 1 0
## 2 0
## 3 0
## 4 0
## 5 0
## 6 0
## 7 0
## 8 1
## 9 0
## 10 1Struktur data GermanCredit
dim(GermanCredit)## [1] 1000 62str(GermanCredit)## 'data.frame': 1000 obs. of 62 variables:
## $ Duration : int 6 48 12 42 24 36 24 36 12 30 ...
## $ Amount : int 1169 5951 2096 7882 4870 9055 2835 6948 3059 5234 ...
## $ InstallmentRatePercentage : int 4 2 2 2 3 2 3 2 2 4 ...
## $ ResidenceDuration : int 4 2 3 4 4 4 4 2 4 2 ...
## $ Age : int 67 22 49 45 53 35 53 35 61 28 ...
## $ NumberExistingCredits : int 2 1 1 1 2 1 1 1 1 2 ...
## $ NumberPeopleMaintenance : int 1 1 2 2 2 2 1 1 1 1 ...
## $ Telephone : num 0 1 1 1 1 0 1 0 1 1 ...
## $ ForeignWorker : num 1 1 1 1 1 1 1 1 1 1 ...
## $ Class : Factor w/ 2 levels "Bad","Good": 2 1 2 2 1 2 2 2 2 1 ...
## $ CheckingAccountStatus.lt.0 : num 1 0 0 1 1 0 0 0 0 0 ...
## $ CheckingAccountStatus.0.to.200 : num 0 1 0 0 0 0 0 1 0 1 ...
## $ CheckingAccountStatus.gt.200 : num 0 0 0 0 0 0 0 0 0 0 ...
## $ CheckingAccountStatus.none : num 0 0 1 0 0 1 1 0 1 0 ...
## $ CreditHistory.NoCredit.AllPaid : num 0 0 0 0 0 0 0 0 0 0 ...
## $ CreditHistory.ThisBank.AllPaid : num 0 0 0 0 0 0 0 0 0 0 ...
## $ CreditHistory.PaidDuly : num 0 1 0 1 0 1 1 1 1 0 ...
## $ CreditHistory.Delay : num 0 0 0 0 1 0 0 0 0 0 ...
## $ CreditHistory.Critical : num 1 0 1 0 0 0 0 0 0 1 ...
## $ Purpose.NewCar : num 0 0 0 0 1 0 0 0 0 1 ...
## $ Purpose.UsedCar : num 0 0 0 0 0 0 0 1 0 0 ...
## $ Purpose.Furniture.Equipment : num 0 0 0 1 0 0 1 0 0 0 ...
## $ Purpose.Radio.Television : num 1 1 0 0 0 0 0 0 1 0 ...
## $ Purpose.DomesticAppliance : num 0 0 0 0 0 0 0 0 0 0 ...
## $ Purpose.Repairs : num 0 0 0 0 0 0 0 0 0 0 ...
## $ Purpose.Education : num 0 0 1 0 0 1 0 0 0 0 ...
## $ Purpose.Vacation : num 0 0 0 0 0 0 0 0 0 0 ...
## $ Purpose.Retraining : num 0 0 0 0 0 0 0 0 0 0 ...
## $ Purpose.Business : num 0 0 0 0 0 0 0 0 0 0 ...
## $ Purpose.Other : num 0 0 0 0 0 0 0 0 0 0 ...
## $ SavingsAccountBonds.lt.100 : num 0 1 1 1 1 0 0 1 0 1 ...
## $ SavingsAccountBonds.100.to.500 : num 0 0 0 0 0 0 0 0 0 0 ...
## $ SavingsAccountBonds.500.to.1000 : num 0 0 0 0 0 0 1 0 0 0 ...
## $ SavingsAccountBonds.gt.1000 : num 0 0 0 0 0 0 0 0 1 0 ...
## $ SavingsAccountBonds.Unknown : num 1 0 0 0 0 1 0 0 0 0 ...
## $ EmploymentDuration.lt.1 : num 0 0 0 0 0 0 0 0 0 0 ...
## $ EmploymentDuration.1.to.4 : num 0 1 0 0 1 1 0 1 0 0 ...
## $ EmploymentDuration.4.to.7 : num 0 0 1 1 0 0 0 0 1 0 ...
## $ EmploymentDuration.gt.7 : num 1 0 0 0 0 0 1 0 0 0 ...
## $ EmploymentDuration.Unemployed : num 0 0 0 0 0 0 0 0 0 1 ...
## $ Personal.Male.Divorced.Seperated : num 0 0 0 0 0 0 0 0 1 0 ...
## $ Personal.Female.NotSingle : num 0 1 0 0 0 0 0 0 0 0 ...
## $ Personal.Male.Single : num 1 0 1 1 1 1 1 1 0 0 ...
## $ Personal.Male.Married.Widowed : num 0 0 0 0 0 0 0 0 0 1 ...
## $ Personal.Female.Single : num 0 0 0 0 0 0 0 0 0 0 ...
## $ OtherDebtorsGuarantors.None : num 1 1 1 0 1 1 1 1 1 1 ...
## $ OtherDebtorsGuarantors.CoApplicant : num 0 0 0 0 0 0 0 0 0 0 ...
## $ OtherDebtorsGuarantors.Guarantor : num 0 0 0 1 0 0 0 0 0 0 ...
## $ Property.RealEstate : num 1 1 1 0 0 0 0 0 1 0 ...
## $ Property.Insurance : num 0 0 0 1 0 0 1 0 0 0 ...
## $ Property.CarOther : num 0 0 0 0 0 0 0 1 0 1 ...
## $ Property.Unknown : num 0 0 0 0 1 1 0 0 0 0 ...
## $ OtherInstallmentPlans.Bank : num 0 0 0 0 0 0 0 0 0 0 ...
## $ OtherInstallmentPlans.Stores : num 0 0 0 0 0 0 0 0 0 0 ...
## $ OtherInstallmentPlans.None : num 1 1 1 1 1 1 1 1 1 1 ...
## $ Housing.Rent : num 0 0 0 0 0 0 0 1 0 0 ...
## $ Housing.Own : num 1 1 1 0 0 0 1 0 1 1 ...
## $ Housing.ForFree : num 0 0 0 1 1 1 0 0 0 0 ...
## $ Job.UnemployedUnskilled : num 0 0 0 0 0 0 0 0 0 0 ...
## $ Job.UnskilledResident : num 0 0 1 0 0 1 0 0 1 0 ...
## $ Job.SkilledEmployee : num 1 1 0 1 1 0 1 0 0 0 ...
## $ Job.Management.SelfEmp.HighlyQualified: num 0 0 0 0 0 0 0 1 0 1 ...Deskripsi statistik data
summary(GermanCredit)## Duration Amount InstallmentRatePercentage
## Min. : 4.0 Min. : 250 Min. :1.000
## 1st Qu.:12.0 1st Qu.: 1366 1st Qu.:2.000
## Median :18.0 Median : 2320 Median :3.000
## Mean :20.9 Mean : 3271 Mean :2.973
## 3rd Qu.:24.0 3rd Qu.: 3972 3rd Qu.:4.000
## Max. :72.0 Max. :18424 Max. :4.000
## ResidenceDuration Age NumberExistingCredits
## Min. :1.000 Min. :19.00 Min. :1.000
## 1st Qu.:2.000 1st Qu.:27.00 1st Qu.:1.000
## Median :3.000 Median :33.00 Median :1.000
## Mean :2.845 Mean :35.55 Mean :1.407
## 3rd Qu.:4.000 3rd Qu.:42.00 3rd Qu.:2.000
## Max. :4.000 Max. :75.00 Max. :4.000
## NumberPeopleMaintenance Telephone ForeignWorker Class
## Min. :1.000 Min. :0.000 Min. :0.000 Bad :300
## 1st Qu.:1.000 1st Qu.:0.000 1st Qu.:1.000 Good:700
## Median :1.000 Median :1.000 Median :1.000
## Mean :1.155 Mean :0.596 Mean :0.963
## 3rd Qu.:1.000 3rd Qu.:1.000 3rd Qu.:1.000
## Max. :2.000 Max. :1.000 Max. :1.000
## CheckingAccountStatus.lt.0 CheckingAccountStatus.0.to.200
## Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000
## Mean :0.274 Mean :0.269
## 3rd Qu.:1.000 3rd Qu.:1.000
## Max. :1.000 Max. :1.000
## CheckingAccountStatus.gt.200 CheckingAccountStatus.none
## Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000
## Mean :0.063 Mean :0.394
## 3rd Qu.:0.000 3rd Qu.:1.000
## Max. :1.000 Max. :1.000
## CreditHistory.NoCredit.AllPaid CreditHistory.ThisBank.AllPaid
## Min. :0.00 Min. :0.000
## 1st Qu.:0.00 1st Qu.:0.000
## Median :0.00 Median :0.000
## Mean :0.04 Mean :0.049
## 3rd Qu.:0.00 3rd Qu.:0.000
## Max. :1.00 Max. :1.000
## CreditHistory.PaidDuly CreditHistory.Delay CreditHistory.Critical
## Min. :0.00 Min. :0.000 Min. :0.000
## 1st Qu.:0.00 1st Qu.:0.000 1st Qu.:0.000
## Median :1.00 Median :0.000 Median :0.000
## Mean :0.53 Mean :0.088 Mean :0.293
## 3rd Qu.:1.00 3rd Qu.:0.000 3rd Qu.:1.000
## Max. :1.00 Max. :1.000 Max. :1.000
## Purpose.NewCar Purpose.UsedCar Purpose.Furniture.Equipment
## Min. :0.000 Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000 Median :0.000
## Mean :0.234 Mean :0.103 Mean :0.181
## 3rd Qu.:0.000 3rd Qu.:0.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000 Max. :1.000
## Purpose.Radio.Television Purpose.DomesticAppliance Purpose.Repairs
## Min. :0.00 Min. :0.000 Min. :0.000
## 1st Qu.:0.00 1st Qu.:0.000 1st Qu.:0.000
## Median :0.00 Median :0.000 Median :0.000
## Mean :0.28 Mean :0.012 Mean :0.022
## 3rd Qu.:1.00 3rd Qu.:0.000 3rd Qu.:0.000
## Max. :1.00 Max. :1.000 Max. :1.000
## Purpose.Education Purpose.Vacation Purpose.Retraining Purpose.Business
## Min. :0.00 Min. :0 Min. :0.000 Min. :0.000
## 1st Qu.:0.00 1st Qu.:0 1st Qu.:0.000 1st Qu.:0.000
## Median :0.00 Median :0 Median :0.000 Median :0.000
## Mean :0.05 Mean :0 Mean :0.009 Mean :0.097
## 3rd Qu.:0.00 3rd Qu.:0 3rd Qu.:0.000 3rd Qu.:0.000
## Max. :1.00 Max. :0 Max. :1.000 Max. :1.000
## Purpose.Other SavingsAccountBonds.lt.100 SavingsAccountBonds.100.to.500
## Min. :0.000 Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :1.000 Median :0.000
## Mean :0.012 Mean :0.603 Mean :0.103
## 3rd Qu.:0.000 3rd Qu.:1.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000 Max. :1.000
## SavingsAccountBonds.500.to.1000 SavingsAccountBonds.gt.1000
## Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000
## Mean :0.063 Mean :0.048
## 3rd Qu.:0.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000
## SavingsAccountBonds.Unknown EmploymentDuration.lt.1
## Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000
## Mean :0.183 Mean :0.172
## 3rd Qu.:0.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000
## EmploymentDuration.1.to.4 EmploymentDuration.4.to.7
## Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000
## Mean :0.339 Mean :0.174
## 3rd Qu.:1.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000
## EmploymentDuration.gt.7 EmploymentDuration.Unemployed
## Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000
## Mean :0.253 Mean :0.062
## 3rd Qu.:1.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000
## Personal.Male.Divorced.Seperated Personal.Female.NotSingle
## Min. :0.00 Min. :0.00
## 1st Qu.:0.00 1st Qu.:0.00
## Median :0.00 Median :0.00
## Mean :0.05 Mean :0.31
## 3rd Qu.:0.00 3rd Qu.:1.00
## Max. :1.00 Max. :1.00
## Personal.Male.Single Personal.Male.Married.Widowed Personal.Female.Single
## Min. :0.000 Min. :0.000 Min. :0
## 1st Qu.:0.000 1st Qu.:0.000 1st Qu.:0
## Median :1.000 Median :0.000 Median :0
## Mean :0.548 Mean :0.092 Mean :0
## 3rd Qu.:1.000 3rd Qu.:0.000 3rd Qu.:0
## Max. :1.000 Max. :1.000 Max. :0
## OtherDebtorsGuarantors.None OtherDebtorsGuarantors.CoApplicant
## Min. :0.000 Min. :0.000
## 1st Qu.:1.000 1st Qu.:0.000
## Median :1.000 Median :0.000
## Mean :0.907 Mean :0.041
## 3rd Qu.:1.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000
## OtherDebtorsGuarantors.Guarantor Property.RealEstate Property.Insurance
## Min. :0.000 Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000 Median :0.000
## Mean :0.052 Mean :0.282 Mean :0.232
## 3rd Qu.:0.000 3rd Qu.:1.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000 Max. :1.000
## Property.CarOther Property.Unknown OtherInstallmentPlans.Bank
## Min. :0.000 Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000 1st Qu.:0.000
## Median :0.000 Median :0.000 Median :0.000
## Mean :0.332 Mean :0.154 Mean :0.139
## 3rd Qu.:1.000 3rd Qu.:0.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000 Max. :1.000
## OtherInstallmentPlans.Stores OtherInstallmentPlans.None Housing.Rent
## Min. :0.000 Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:1.000 1st Qu.:0.000
## Median :0.000 Median :1.000 Median :0.000
## Mean :0.047 Mean :0.814 Mean :0.179
## 3rd Qu.:0.000 3rd Qu.:1.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000 Max. :1.000
## Housing.Own Housing.ForFree Job.UnemployedUnskilled
## Min. :0.000 Min. :0.000 Min. :0.000
## 1st Qu.:0.000 1st Qu.:0.000 1st Qu.:0.000
## Median :1.000 Median :0.000 Median :0.000
## Mean :0.713 Mean :0.108 Mean :0.022
## 3rd Qu.:1.000 3rd Qu.:0.000 3rd Qu.:0.000
## Max. :1.000 Max. :1.000 Max. :1.000
## Job.UnskilledResident Job.SkilledEmployee
## Min. :0.0 Min. :0.00
## 1st Qu.:0.0 1st Qu.:0.00
## Median :0.0 Median :1.00
## Mean :0.2 Mean :0.63
## 3rd Qu.:0.0 3rd Qu.:1.00
## Max. :1.0 Max. :1.00
## Job.Management.SelfEmp.HighlyQualified
## Min. :0.000
## 1st Qu.:0.000
## Median :0.000
## Mean :0.148
## 3rd Qu.:0.000
## Max. :1.000Eksplorasi data
Mengubah nilai data dari bad/good ke 0/1
GermanCredit$Class=ifelse(GermanCredit$Class=="Bad",1,0)Melihat data yang telah diubah pada variabel class
GermanCredit$Class[1:100]## [1] 0 1 0 0 1 0 0 0 0 1 1 1 0 1 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0
## [36] 1 0 1 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 1 0 0 1 1 0 0 0 0 1 0
## [71] 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 1 0 1 0 0 1 0 0 1 0 0 0 0Persiapan Data Training dan Testing
Cara yang digunakan adalah dengan pengambilan acak
set.seed(1234)
inTrain=createDataPartition(GermanCredit$Class, p=0.7, list=FALSE)Membuat data training
Training=GermanCredit[inTrain,]Membuat data testing
Testing=GermanCredit[-inTrain,]Hasil dari data training dan testing
dim(Training)## [1] 700 62dim(Testing)## [1] 300 62Membangun Model Regresi Logistik
Membangun model awal
library(usdm)## Warning: package 'usdm' was built under R version 3.5.3## Loading required package: sp## Loading required package: rasterfit=glm(Class~ Duration+InstallmentRatePercentage+ResidenceDuration+Age+NumberExistingCredits+
NumberPeopleMaintenance+Telephone+ForeignWorker+CheckingAccountStatus.0.to.200+
CheckingAccountStatus.gt.200+CheckingAccountStatus.none+CreditHistory.ThisBank.AllPaid+
CreditHistory.Delay+CreditHistory.Critical+Purpose.UsedCar+Purpose.Furniture.Equipment+
Purpose.Radio.Television+Purpose.DomesticAppliance+Purpose.Repairs+Purpose.Education+
Purpose.Retraining+Purpose.Business+ Purpose.Other+SavingsAccountBonds.100.to.500+
SavingsAccountBonds.500.to.1000+SavingsAccountBonds.gt.1000+SavingsAccountBonds.Unknown+
EmploymentDuration.1.to.4+EmploymentDuration.4.to.7+
EmploymentDuration.Unemployed+Personal.Female.NotSingle+Personal.Male.Married.Widowed+
OtherDebtorsGuarantors.CoApplicant+OtherDebtorsGuarantors.Guarantor+Property.Insurance+
Property.CarOther+OtherInstallmentPlans.Stores+OtherInstallmentPlans.None+
Housing.Own+Job.UnskilledResident+Job.Management.SelfEmp.HighlyQualified,
data=Training,family=binomial(link="logit"))Analisis model dan variabel bebas untuk menghapus yang tak berpengaruh dengan melihat nilai AIC yang untuk mengurangi variabel dan melihat model berdasarkan nilai signfikansi terhadap nilai Pr(>|z|) < 0.05 variabel untuk mendapatkan nilai aic terkeci.
library(MASS)## Warning: package 'MASS' was built under R version 3.5.3##
## Attaching package: 'MASS'## The following objects are masked from 'package:raster':
##
## area, selectstep=stepAIC(fit, direction="both")## Start: AIC=692.3
## Class ~ Duration + InstallmentRatePercentage + ResidenceDuration +
## Age + NumberExistingCredits + NumberPeopleMaintenance + Telephone +
## ForeignWorker + CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.ThisBank.AllPaid +
## CreditHistory.Delay + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Education +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + EmploymentDuration.Unemployed +
## Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.CoApplicant + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.Stores +
## OtherInstallmentPlans.None + Housing.Own + Job.UnskilledResident +
## Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - OtherInstallmentPlans.Stores 1 608.32 690.32
## - NumberPeopleMaintenance 1 608.34 690.34
## - OtherDebtorsGuarantors.CoApplicant 1 608.42 690.42
## - Job.UnskilledResident 1 608.47 690.47
## - EmploymentDuration.Unemployed 1 608.47 690.47
## - Purpose.Education 1 608.51 690.51
## - ResidenceDuration 1 608.58 690.58
## - CreditHistory.Delay 1 608.62 690.62
## - EmploymentDuration.1.to.4 1 608.70 690.70
## - Personal.Male.Married.Widowed 1 608.70 690.70
## - Purpose.DomesticAppliance 1 608.83 690.83
## - Purpose.Repairs 1 608.98 690.98
## - Job.Management.SelfEmp.HighlyQualified 1 609.13 691.13
## - ForeignWorker 1 609.47 691.47
## - CreditHistory.ThisBank.AllPaid 1 609.49 691.49
## - Purpose.Other 1 609.72 691.72
## - SavingsAccountBonds.100.to.500 1 609.78 691.78
## - OtherInstallmentPlans.None 1 609.80 691.80
## - Purpose.Business 1 609.94 691.94
## - CheckingAccountStatus.0.to.200 1 609.94 691.94
## - Property.Insurance 1 610.29 692.29
## <none> 608.30 692.30
## - Age 1 610.91 692.91
## - Telephone 1 611.07 693.07
## - Property.CarOther 1 611.20 693.20
## - Purpose.Retraining 1 611.40 693.40
## - SavingsAccountBonds.500.to.1000 1 611.40 693.40
## - Personal.Female.NotSingle 1 611.48 693.48
## - NumberExistingCredits 1 611.75 693.75
## - OtherDebtorsGuarantors.Guarantor 1 612.26 694.26
## - Housing.Own 1 612.33 694.33
## - CheckingAccountStatus.gt.200 1 612.89 694.89
## - Purpose.Furniture.Equipment 1 614.70 696.70
## - SavingsAccountBonds.gt.1000 1 617.21 699.21
## - InstallmentRatePercentage 1 618.08 700.08
## - CreditHistory.Critical 1 619.32 701.32
## - Purpose.Radio.Television 1 619.64 701.64
## - EmploymentDuration.4.to.7 1 620.66 702.66
## - Purpose.UsedCar 1 623.01 705.01
## - SavingsAccountBonds.Unknown 1 627.14 709.14
## - Duration 1 639.71 721.71
## - CheckingAccountStatus.none 1 640.48 722.48
##
## Step: AIC=690.32
## Class ~ Duration + InstallmentRatePercentage + ResidenceDuration +
## Age + NumberExistingCredits + NumberPeopleMaintenance + Telephone +
## ForeignWorker + CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.ThisBank.AllPaid +
## CreditHistory.Delay + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Education +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + EmploymentDuration.Unemployed +
## Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.CoApplicant + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own + Job.UnskilledResident + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - NumberPeopleMaintenance 1 608.35 688.35
## - OtherDebtorsGuarantors.CoApplicant 1 608.43 688.43
## - Job.UnskilledResident 1 608.47 688.47
## - EmploymentDuration.Unemployed 1 608.48 688.48
## - Purpose.Education 1 608.53 688.53
## - ResidenceDuration 1 608.59 688.59
## - CreditHistory.Delay 1 608.62 688.62
## - EmploymentDuration.1.to.4 1 608.70 688.70
## - Personal.Male.Married.Widowed 1 608.71 688.71
## - Purpose.DomesticAppliance 1 608.85 688.85
## - Purpose.Repairs 1 609.00 689.00
## - Job.Management.SelfEmp.HighlyQualified 1 609.14 689.14
## - ForeignWorker 1 609.49 689.49
## - CreditHistory.ThisBank.AllPaid 1 609.55 689.55
## - Purpose.Other 1 609.74 689.74
## - SavingsAccountBonds.100.to.500 1 609.80 689.80
## - Purpose.Business 1 609.96 689.96
## - CheckingAccountStatus.0.to.200 1 609.96 689.96
## - OtherInstallmentPlans.None 1 610.21 690.21
## - Property.Insurance 1 610.29 690.29
## <none> 608.32 690.32
## - Age 1 610.93 690.93
## - Telephone 1 611.07 691.07
## - Property.CarOther 1 611.22 691.22
## - SavingsAccountBonds.500.to.1000 1 611.41 691.41
## - Purpose.Retraining 1 611.43 691.43
## - Personal.Female.NotSingle 1 611.49 691.49
## - NumberExistingCredits 1 611.75 691.75
## + OtherInstallmentPlans.Stores 1 608.30 692.30
## - OtherDebtorsGuarantors.Guarantor 1 612.31 692.31
## - Housing.Own 1 612.33 692.33
## - CheckingAccountStatus.gt.200 1 612.90 692.90
## - Purpose.Furniture.Equipment 1 614.70 694.70
## - SavingsAccountBonds.gt.1000 1 617.21 697.21
## - InstallmentRatePercentage 1 618.20 698.20
## - CreditHistory.Critical 1 619.32 699.32
## - Purpose.Radio.Television 1 619.67 699.67
## - EmploymentDuration.4.to.7 1 620.73 700.73
## - Purpose.UsedCar 1 623.02 703.02
## - SavingsAccountBonds.Unknown 1 627.25 707.25
## - Duration 1 639.85 719.85
## - CheckingAccountStatus.none 1 640.49 720.49
##
## Step: AIC=688.35
## Class ~ Duration + InstallmentRatePercentage + ResidenceDuration +
## Age + NumberExistingCredits + Telephone + ForeignWorker +
## CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.ThisBank.AllPaid +
## CreditHistory.Delay + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Education +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + EmploymentDuration.Unemployed +
## Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.CoApplicant + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own + Job.UnskilledResident + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - OtherDebtorsGuarantors.CoApplicant 1 608.47 686.47
## - Job.UnskilledResident 1 608.49 686.49
## - EmploymentDuration.Unemployed 1 608.51 686.51
## - Purpose.Education 1 608.56 686.56
## - ResidenceDuration 1 608.62 686.62
## - CreditHistory.Delay 1 608.65 686.65
## - Personal.Male.Married.Widowed 1 608.72 686.72
## - EmploymentDuration.1.to.4 1 608.73 686.73
## - Purpose.DomesticAppliance 1 608.90 686.90
## - Purpose.Repairs 1 609.02 687.02
## - Job.Management.SelfEmp.HighlyQualified 1 609.15 687.15
## - ForeignWorker 1 609.52 687.52
## - CreditHistory.ThisBank.AllPaid 1 609.60 687.60
## - Purpose.Other 1 609.79 687.79
## - SavingsAccountBonds.100.to.500 1 609.82 687.82
## - CheckingAccountStatus.0.to.200 1 610.00 688.00
## - Purpose.Business 1 610.01 688.01
## - OtherInstallmentPlans.None 1 610.24 688.24
## - Property.Insurance 1 610.33 688.33
## <none> 608.35 688.35
## - Age 1 610.94 688.94
## - Telephone 1 611.10 689.10
## - Property.CarOther 1 611.26 689.26
## - Purpose.Retraining 1 611.48 689.48
## - SavingsAccountBonds.500.to.1000 1 611.48 689.48
## - Personal.Female.NotSingle 1 611.57 689.57
## - NumberExistingCredits 1 611.87 689.87
## + NumberPeopleMaintenance 1 608.32 690.32
## - OtherDebtorsGuarantors.Guarantor 1 612.33 690.33
## + OtherInstallmentPlans.Stores 1 608.34 690.34
## - Housing.Own 1 612.39 690.39
## - CheckingAccountStatus.gt.200 1 612.96 690.96
## - Purpose.Furniture.Equipment 1 614.88 692.88
## - SavingsAccountBonds.gt.1000 1 617.21 695.21
## - InstallmentRatePercentage 1 618.22 696.22
## - CreditHistory.Critical 1 619.44 697.44
## - Purpose.Radio.Television 1 619.87 697.87
## - EmploymentDuration.4.to.7 1 620.76 698.76
## - Purpose.UsedCar 1 623.13 701.13
## - SavingsAccountBonds.Unknown 1 627.30 705.30
## - Duration 1 639.86 717.86
## - CheckingAccountStatus.none 1 640.69 718.69
##
## Step: AIC=686.47
## Class ~ Duration + InstallmentRatePercentage + ResidenceDuration +
## Age + NumberExistingCredits + Telephone + ForeignWorker +
## CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.ThisBank.AllPaid +
## CreditHistory.Delay + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Education +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + EmploymentDuration.Unemployed +
## Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.Guarantor + Property.Insurance + Property.CarOther +
## OtherInstallmentPlans.None + Housing.Own + Job.UnskilledResident +
## Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - Job.UnskilledResident 1 608.60 684.60
## - EmploymentDuration.Unemployed 1 608.65 684.65
## - Purpose.Education 1 608.70 684.70
## - ResidenceDuration 1 608.73 684.73
## - CreditHistory.Delay 1 608.77 684.77
## - Personal.Male.Married.Widowed 1 608.83 684.83
## - EmploymentDuration.1.to.4 1 608.84 684.84
## - Purpose.DomesticAppliance 1 609.00 685.00
## - Purpose.Repairs 1 609.15 685.15
## - Job.Management.SelfEmp.HighlyQualified 1 609.27 685.27
## - CreditHistory.ThisBank.AllPaid 1 609.66 685.66
## - ForeignWorker 1 609.69 685.69
## - SavingsAccountBonds.100.to.500 1 609.89 685.89
## - Purpose.Other 1 610.01 686.01
## - CheckingAccountStatus.0.to.200 1 610.07 686.07
## - Purpose.Business 1 610.12 686.12
## - Property.Insurance 1 610.44 686.44
## - OtherInstallmentPlans.None 1 610.45 686.45
## <none> 608.47 686.47
## - Age 1 611.09 687.09
## - Telephone 1 611.18 687.18
## - Property.CarOther 1 611.40 687.40
## - SavingsAccountBonds.500.to.1000 1 611.54 687.54
## - Purpose.Retraining 1 611.56 687.56
## - Personal.Female.NotSingle 1 611.73 687.73
## - NumberExistingCredits 1 612.00 688.00
## + OtherDebtorsGuarantors.CoApplicant 1 608.35 688.35
## - OtherDebtorsGuarantors.Guarantor 1 612.37 688.37
## + NumberPeopleMaintenance 1 608.43 688.43
## + OtherInstallmentPlans.Stores 1 608.46 688.46
## - Housing.Own 1 612.46 688.46
## - CheckingAccountStatus.gt.200 1 613.01 689.01
## - Purpose.Furniture.Equipment 1 615.03 691.03
## - SavingsAccountBonds.gt.1000 1 617.25 693.25
## - InstallmentRatePercentage 1 618.36 694.36
## - CreditHistory.Critical 1 619.57 695.57
## - Purpose.Radio.Television 1 619.96 695.96
## - EmploymentDuration.4.to.7 1 620.82 696.82
## - Purpose.UsedCar 1 623.13 699.13
## - SavingsAccountBonds.Unknown 1 627.32 703.32
## - Duration 1 640.03 716.03
## - CheckingAccountStatus.none 1 640.74 716.74
##
## Step: AIC=684.6
## Class ~ Duration + InstallmentRatePercentage + ResidenceDuration +
## Age + NumberExistingCredits + Telephone + ForeignWorker +
## CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.ThisBank.AllPaid +
## CreditHistory.Delay + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Education +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + EmploymentDuration.Unemployed +
## Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.Guarantor + Property.Insurance + Property.CarOther +
## OtherInstallmentPlans.None + Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - EmploymentDuration.Unemployed 1 608.75 682.75
## - Purpose.Education 1 608.86 682.86
## - ResidenceDuration 1 608.89 682.89
## - CreditHistory.Delay 1 608.91 682.91
## - Personal.Male.Married.Widowed 1 608.95 682.95
## - EmploymentDuration.1.to.4 1 608.97 682.97
## - Purpose.DomesticAppliance 1 609.12 683.12
## - Purpose.Repairs 1 609.27 683.27
## - Job.Management.SelfEmp.HighlyQualified 1 609.48 683.48
## - CreditHistory.ThisBank.AllPaid 1 609.74 683.74
## - ForeignWorker 1 609.86 683.86
## - SavingsAccountBonds.100.to.500 1 610.07 684.07
## - Purpose.Other 1 610.16 684.16
## - CheckingAccountStatus.0.to.200 1 610.22 684.22
## - Purpose.Business 1 610.23 684.23
## - OtherInstallmentPlans.None 1 610.53 684.53
## - Property.Insurance 1 610.60 684.60
## <none> 608.60 684.60
## - Telephone 1 611.18 685.18
## - Age 1 611.43 685.43
## - SavingsAccountBonds.500.to.1000 1 611.61 685.61
## - Property.CarOther 1 611.68 685.68
## - Purpose.Retraining 1 611.80 685.80
## - Personal.Female.NotSingle 1 611.93 685.93
## - NumberExistingCredits 1 612.24 686.24
## - OtherDebtorsGuarantors.Guarantor 1 612.45 686.45
## + Job.UnskilledResident 1 608.47 686.47
## + OtherDebtorsGuarantors.CoApplicant 1 608.49 686.49
## + NumberPeopleMaintenance 1 608.58 686.58
## + OtherInstallmentPlans.Stores 1 608.59 686.59
## - Housing.Own 1 612.70 686.70
## - CheckingAccountStatus.gt.200 1 613.08 687.08
## - Purpose.Furniture.Equipment 1 615.06 689.06
## - SavingsAccountBonds.gt.1000 1 617.27 691.27
## - InstallmentRatePercentage 1 618.60 692.60
## - CreditHistory.Critical 1 619.70 693.70
## - Purpose.Radio.Television 1 619.99 693.99
## - EmploymentDuration.4.to.7 1 620.99 694.99
## - Purpose.UsedCar 1 623.16 697.16
## - SavingsAccountBonds.Unknown 1 627.32 701.32
## - CheckingAccountStatus.none 1 640.79 714.79
## - Duration 1 641.37 715.37
##
## Step: AIC=682.75
## Class ~ Duration + InstallmentRatePercentage + ResidenceDuration +
## Age + NumberExistingCredits + Telephone + ForeignWorker +
## CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.ThisBank.AllPaid +
## CreditHistory.Delay + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Education +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.Guarantor + Property.Insurance + Property.CarOther +
## OtherInstallmentPlans.None + Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - Purpose.Education 1 609.03 681.03
## - ResidenceDuration 1 609.03 681.03
## - EmploymentDuration.1.to.4 1 609.05 681.05
## - CreditHistory.Delay 1 609.06 681.06
## - Personal.Male.Married.Widowed 1 609.07 681.07
## - Purpose.DomesticAppliance 1 609.29 681.29
## - Purpose.Repairs 1 609.36 681.36
## - Job.Management.SelfEmp.HighlyQualified 1 609.51 681.51
## - CreditHistory.ThisBank.AllPaid 1 609.83 681.83
## - ForeignWorker 1 609.95 681.95
## - SavingsAccountBonds.100.to.500 1 610.26 682.26
## - CheckingAccountStatus.0.to.200 1 610.34 682.34
## - Purpose.Business 1 610.36 682.36
## - Purpose.Other 1 610.45 682.45
## <none> 608.75 682.75
## - OtherInstallmentPlans.None 1 610.77 682.77
## - Property.Insurance 1 610.77 682.77
## - Telephone 1 611.27 683.27
## - Age 1 611.63 683.63
## - SavingsAccountBonds.500.to.1000 1 611.76 683.76
## - Property.CarOther 1 611.83 683.83
## - Purpose.Retraining 1 611.91 683.91
## - Personal.Female.NotSingle 1 612.00 684.00
## - NumberExistingCredits 1 612.37 684.37
## - OtherDebtorsGuarantors.Guarantor 1 612.55 684.55
## + EmploymentDuration.Unemployed 1 608.60 684.60
## + OtherDebtorsGuarantors.CoApplicant 1 608.62 684.62
## + Job.UnskilledResident 1 608.65 684.65
## + NumberPeopleMaintenance 1 608.73 684.73
## + OtherInstallmentPlans.Stores 1 608.74 684.74
## - Housing.Own 1 612.77 684.77
## - CheckingAccountStatus.gt.200 1 613.11 685.11
## - Purpose.Furniture.Equipment 1 615.23 687.23
## - SavingsAccountBonds.gt.1000 1 617.33 689.33
## - InstallmentRatePercentage 1 618.96 690.96
## - CreditHistory.Critical 1 619.88 691.88
## - Purpose.Radio.Television 1 620.05 692.05
## - EmploymentDuration.4.to.7 1 621.01 693.01
## - Purpose.UsedCar 1 623.27 695.27
## - SavingsAccountBonds.Unknown 1 627.55 699.55
## - CheckingAccountStatus.none 1 640.82 712.82
## - Duration 1 641.53 713.53
##
## Step: AIC=681.03
## Class ~ Duration + InstallmentRatePercentage + ResidenceDuration +
## Age + NumberExistingCredits + Telephone + ForeignWorker +
## CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.ThisBank.AllPaid +
## CreditHistory.Delay + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Retraining +
## Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.Guarantor + Property.Insurance + Property.CarOther +
## OtherInstallmentPlans.None + Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - ResidenceDuration 1 609.30 679.30
## - CreditHistory.Delay 1 609.31 679.31
## - EmploymentDuration.1.to.4 1 609.31 679.31
## - Personal.Male.Married.Widowed 1 609.32 679.32
## - Purpose.Repairs 1 609.54 679.54
## - Purpose.DomesticAppliance 1 609.64 679.64
## - Job.Management.SelfEmp.HighlyQualified 1 609.78 679.78
## - CreditHistory.ThisBank.AllPaid 1 610.12 680.12
## - ForeignWorker 1 610.31 680.31
## - CheckingAccountStatus.0.to.200 1 610.57 680.57
## - SavingsAccountBonds.100.to.500 1 610.58 680.58
## - Purpose.Other 1 610.91 680.91
## <none> 609.03 681.03
## - OtherInstallmentPlans.None 1 611.10 681.10
## - Purpose.Business 1 611.11 681.11
## - Property.Insurance 1 611.18 681.18
## - Telephone 1 611.44 681.44
## - Age 1 611.93 681.93
## - SavingsAccountBonds.500.to.1000 1 612.04 682.04
## - Property.CarOther 1 612.13 682.13
## - Purpose.Retraining 1 612.35 682.35
## - Personal.Female.NotSingle 1 612.43 682.43
## - NumberExistingCredits 1 612.58 682.58
## + Purpose.Education 1 608.75 682.75
## - OtherDebtorsGuarantors.Guarantor 1 612.86 682.86
## + EmploymentDuration.Unemployed 1 608.86 682.86
## + OtherDebtorsGuarantors.CoApplicant 1 608.88 682.88
## + Job.UnskilledResident 1 608.90 682.90
## + NumberPeopleMaintenance 1 609.01 683.01
## + OtherInstallmentPlans.Stores 1 609.02 683.02
## - CheckingAccountStatus.gt.200 1 613.30 683.30
## - Housing.Own 1 613.32 683.32
## - Purpose.Furniture.Equipment 1 617.11 687.11
## - SavingsAccountBonds.gt.1000 1 617.57 687.57
## - InstallmentRatePercentage 1 619.35 689.35
## - CreditHistory.Critical 1 619.99 689.99
## - EmploymentDuration.4.to.7 1 621.29 691.29
## - Purpose.Radio.Television 1 622.62 692.62
## - Purpose.UsedCar 1 625.45 695.45
## - SavingsAccountBonds.Unknown 1 627.81 697.81
## - CheckingAccountStatus.none 1 640.92 710.92
## - Duration 1 641.72 711.72
##
## Step: AIC=679.3
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Delay + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Retraining +
## Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.Guarantor + Property.Insurance + Property.CarOther +
## OtherInstallmentPlans.None + Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - EmploymentDuration.1.to.4 1 609.56 677.56
## - CreditHistory.Delay 1 609.59 677.59
## - Personal.Male.Married.Widowed 1 609.61 677.61
## - Purpose.Repairs 1 609.80 677.80
## - Purpose.DomesticAppliance 1 609.89 677.89
## - Job.Management.SelfEmp.HighlyQualified 1 610.18 678.18
## - CreditHistory.ThisBank.AllPaid 1 610.38 678.38
## - ForeignWorker 1 610.54 678.54
## - CheckingAccountStatus.0.to.200 1 610.81 678.81
## - SavingsAccountBonds.100.to.500 1 610.89 678.89
## - Purpose.Other 1 611.27 679.27
## - Purpose.Business 1 611.29 679.29
## <none> 609.30 679.30
## - OtherInstallmentPlans.None 1 611.43 679.43
## - Property.Insurance 1 611.47 679.47
## - Telephone 1 611.89 679.89
## - Property.CarOther 1 612.33 680.33
## - SavingsAccountBonds.500.to.1000 1 612.45 680.45
## - Purpose.Retraining 1 612.65 680.65
## - Personal.Female.NotSingle 1 612.66 680.66
## - Age 1 612.71 680.71
## - NumberExistingCredits 1 612.79 680.79
## + ResidenceDuration 1 609.03 681.03
## + Purpose.Education 1 609.03 681.03
## + EmploymentDuration.Unemployed 1 609.14 681.14
## + Job.UnskilledResident 1 609.15 681.15
## + OtherDebtorsGuarantors.CoApplicant 1 609.16 681.16
## - OtherDebtorsGuarantors.Guarantor 1 613.21 681.21
## + NumberPeopleMaintenance 1 609.28 681.28
## + OtherInstallmentPlans.Stores 1 609.29 681.29
## - Housing.Own 1 613.33 681.33
## - CheckingAccountStatus.gt.200 1 613.44 681.44
## - Purpose.Furniture.Equipment 1 617.61 685.61
## - SavingsAccountBonds.gt.1000 1 617.84 685.84
## - InstallmentRatePercentage 1 619.45 687.45
## - CreditHistory.Critical 1 620.40 688.40
## - EmploymentDuration.4.to.7 1 621.50 689.50
## - Purpose.Radio.Television 1 622.92 690.92
## - Purpose.UsedCar 1 625.95 693.95
## - SavingsAccountBonds.Unknown 1 628.56 696.56
## - CheckingAccountStatus.none 1 640.99 708.99
## - Duration 1 641.87 709.87
##
## Step: AIC=677.56
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Delay + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Retraining +
## Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.Guarantor + Property.Insurance + Property.CarOther +
## OtherInstallmentPlans.None + Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - Personal.Male.Married.Widowed 1 609.84 675.84
## - CreditHistory.Delay 1 609.89 675.89
## - Purpose.Repairs 1 610.08 676.08
## - Purpose.DomesticAppliance 1 610.14 676.14
## - Job.Management.SelfEmp.HighlyQualified 1 610.53 676.53
## - CreditHistory.ThisBank.AllPaid 1 610.65 676.65
## - ForeignWorker 1 610.83 676.83
## - CheckingAccountStatus.0.to.200 1 610.96 676.96
## - SavingsAccountBonds.100.to.500 1 611.09 677.09
## - Purpose.Other 1 611.51 677.51
## - Purpose.Business 1 611.52 677.52
## <none> 609.56 677.56
## - OtherInstallmentPlans.None 1 611.65 677.65
## - Property.Insurance 1 611.83 677.83
## - Telephone 1 612.25 678.25
## - Property.CarOther 1 612.63 678.63
## - Age 1 612.74 678.74
## - SavingsAccountBonds.500.to.1000 1 612.74 678.74
## - Purpose.Retraining 1 612.83 678.83
## - Personal.Female.NotSingle 1 613.00 679.00
## - NumberExistingCredits 1 613.24 679.24
## + Purpose.Education 1 609.29 679.29
## + EmploymentDuration.1.to.4 1 609.30 679.30
## + ResidenceDuration 1 609.31 679.31
## + Job.UnskilledResident 1 609.41 679.41
## + OtherDebtorsGuarantors.CoApplicant 1 609.43 679.43
## + EmploymentDuration.Unemployed 1 609.47 679.47
## + NumberPeopleMaintenance 1 609.54 679.54
## + OtherInstallmentPlans.Stores 1 609.56 679.56
## - CheckingAccountStatus.gt.200 1 613.59 679.59
## - OtherDebtorsGuarantors.Guarantor 1 613.69 679.69
## - Housing.Own 1 613.77 679.77
## - Purpose.Furniture.Equipment 1 617.86 683.86
## - SavingsAccountBonds.gt.1000 1 618.24 684.24
## - InstallmentRatePercentage 1 619.84 685.84
## - CreditHistory.Critical 1 620.77 686.77
## - EmploymentDuration.4.to.7 1 621.91 687.91
## - Purpose.Radio.Television 1 623.09 689.09
## - Purpose.UsedCar 1 626.01 692.01
## - SavingsAccountBonds.Unknown 1 629.08 695.08
## - CheckingAccountStatus.none 1 641.34 707.34
## - Duration 1 642.23 708.23
##
## Step: AIC=675.84
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Delay + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Retraining +
## Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - CreditHistory.Delay 1 610.19 674.19
## - Purpose.Repairs 1 610.38 674.38
## - Purpose.DomesticAppliance 1 610.39 674.39
## - Job.Management.SelfEmp.HighlyQualified 1 610.79 674.79
## - CreditHistory.ThisBank.AllPaid 1 610.86 674.86
## - ForeignWorker 1 611.13 675.13
## - CheckingAccountStatus.0.to.200 1 611.17 675.17
## - SavingsAccountBonds.100.to.500 1 611.37 675.37
## - Purpose.Business 1 611.76 675.76
## - Purpose.Other 1 611.82 675.82
## <none> 609.84 675.84
## - OtherInstallmentPlans.None 1 611.90 675.90
## - Property.Insurance 1 612.08 676.08
## - Telephone 1 612.46 676.46
## - Property.CarOther 1 612.86 676.86
## - Purpose.Retraining 1 612.87 676.87
## - Personal.Female.NotSingle 1 613.00 677.00
## - SavingsAccountBonds.500.to.1000 1 613.05 677.05
## - Age 1 613.41 677.41
## - NumberExistingCredits 1 613.46 677.46
## + Personal.Male.Married.Widowed 1 609.56 677.56
## + ResidenceDuration 1 609.59 677.59
## + EmploymentDuration.1.to.4 1 609.61 677.61
## + Purpose.Education 1 609.61 677.61
## + Job.UnskilledResident 1 609.71 677.71
## + OtherDebtorsGuarantors.CoApplicant 1 609.73 677.73
## + EmploymentDuration.Unemployed 1 609.78 677.78
## + NumberPeopleMaintenance 1 609.84 677.84
## + OtherInstallmentPlans.Stores 1 609.84 677.84
## - CheckingAccountStatus.gt.200 1 613.97 677.97
## - OtherDebtorsGuarantors.Guarantor 1 613.98 677.98
## - Housing.Own 1 613.99 677.99
## - Purpose.Furniture.Equipment 1 618.38 682.38
## - SavingsAccountBonds.gt.1000 1 618.38 682.38
## - InstallmentRatePercentage 1 620.18 684.18
## - CreditHistory.Critical 1 621.21 685.21
## - EmploymentDuration.4.to.7 1 622.50 686.50
## - Purpose.Radio.Television 1 623.16 687.16
## - Purpose.UsedCar 1 626.15 690.15
## - SavingsAccountBonds.Unknown 1 629.51 693.51
## - CheckingAccountStatus.none 1 641.46 705.46
## - Duration 1 642.35 706.35
##
## Step: AIC=674.19
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Retraining +
## Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - Purpose.DomesticAppliance 1 610.71 672.71
## - Purpose.Repairs 1 610.71 672.71
## - Job.Management.SelfEmp.HighlyQualified 1 611.21 673.21
## - CreditHistory.ThisBank.AllPaid 1 611.32 673.32
## - ForeignWorker 1 611.43 673.43
## - CheckingAccountStatus.0.to.200 1 611.60 673.60
## - SavingsAccountBonds.100.to.500 1 611.77 673.77
## <none> 610.19 674.19
## - Purpose.Business 1 612.24 674.24
## - Purpose.Other 1 612.27 674.27
## - OtherInstallmentPlans.None 1 612.28 674.28
## - Property.Insurance 1 612.41 674.41
## - Telephone 1 613.02 675.02
## - Purpose.Retraining 1 613.15 675.15
## - Property.CarOther 1 613.24 675.24
## - SavingsAccountBonds.500.to.1000 1 613.35 675.35
## - NumberExistingCredits 1 613.46 675.46
## - Personal.Female.NotSingle 1 613.48 675.48
## - Age 1 613.78 675.78
## + CreditHistory.Delay 1 609.84 675.84
## + Personal.Male.Married.Widowed 1 609.89 675.89
## + EmploymentDuration.1.to.4 1 609.91 675.91
## + ResidenceDuration 1 609.93 675.93
## + Purpose.Education 1 609.98 675.98
## + Job.UnskilledResident 1 610.04 676.04
## + OtherDebtorsGuarantors.CoApplicant 1 610.08 676.08
## + EmploymentDuration.Unemployed 1 610.13 676.13
## + NumberPeopleMaintenance 1 610.19 676.19
## + OtherInstallmentPlans.Stores 1 610.19 676.19
## - OtherDebtorsGuarantors.Guarantor 1 614.19 676.19
## - Housing.Own 1 614.29 676.29
## - CheckingAccountStatus.gt.200 1 614.44 676.44
## - Purpose.Furniture.Equipment 1 618.59 680.59
## - SavingsAccountBonds.gt.1000 1 618.81 680.81
## - InstallmentRatePercentage 1 620.70 682.70
## - CreditHistory.Critical 1 621.44 683.44
## - EmploymentDuration.4.to.7 1 622.91 684.91
## - Purpose.Radio.Television 1 623.45 685.45
## - Purpose.UsedCar 1 626.34 688.34
## - SavingsAccountBonds.Unknown 1 629.94 691.94
## - CheckingAccountStatus.none 1 642.09 704.09
## - Duration 1 642.36 704.36
##
## Step: AIC=672.71
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.Repairs + Purpose.Retraining + Purpose.Business +
## Purpose.Other + SavingsAccountBonds.100.to.500 + SavingsAccountBonds.500.to.1000 +
## SavingsAccountBonds.gt.1000 + SavingsAccountBonds.Unknown +
## EmploymentDuration.4.to.7 + Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - Purpose.Repairs 1 611.30 671.30
## - CreditHistory.ThisBank.AllPaid 1 611.78 671.78
## - Job.Management.SelfEmp.HighlyQualified 1 611.82 671.82
## - ForeignWorker 1 611.90 671.90
## - CheckingAccountStatus.0.to.200 1 612.02 672.02
## - SavingsAccountBonds.100.to.500 1 612.35 672.35
## - Purpose.Business 1 612.59 672.59
## <none> 610.71 672.71
## - Purpose.Other 1 612.71 672.71
## - OtherInstallmentPlans.None 1 612.85 672.85
## - Property.Insurance 1 613.04 673.04
## - Purpose.Retraining 1 613.56 673.56
## - Telephone 1 613.60 673.60
## - Personal.Female.NotSingle 1 613.83 673.83
## - Property.CarOther 1 613.92 673.92
## - SavingsAccountBonds.500.to.1000 1 613.95 673.95
## - NumberExistingCredits 1 614.06 674.06
## + Purpose.DomesticAppliance 1 610.19 674.19
## - Age 1 614.25 674.25
## + CreditHistory.Delay 1 610.39 674.39
## + Purpose.Education 1 610.44 674.44
## + EmploymentDuration.1.to.4 1 610.44 674.44
## + Personal.Male.Married.Widowed 1 610.45 674.45
## + ResidenceDuration 1 610.47 674.47
## + Job.UnskilledResident 1 610.58 674.58
## + OtherDebtorsGuarantors.CoApplicant 1 610.61 674.61
## + EmploymentDuration.Unemployed 1 610.63 674.63
## - OtherDebtorsGuarantors.Guarantor 1 614.64 674.64
## + NumberPeopleMaintenance 1 610.70 674.70
## + OtherInstallmentPlans.Stores 1 610.71 674.71
## - CheckingAccountStatus.gt.200 1 614.94 674.94
## - Housing.Own 1 615.21 675.21
## - Purpose.Furniture.Equipment 1 618.71 678.71
## - SavingsAccountBonds.gt.1000 1 619.20 679.20
## - InstallmentRatePercentage 1 621.03 681.03
## - CreditHistory.Critical 1 621.73 681.73
## - EmploymentDuration.4.to.7 1 623.25 683.25
## - Purpose.Radio.Television 1 623.49 683.49
## - Purpose.UsedCar 1 626.55 686.55
## - SavingsAccountBonds.Unknown 1 630.58 690.58
## - CheckingAccountStatus.none 1 642.19 702.19
## - Duration 1 642.75 702.75
##
## Step: AIC=671.3
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own + Job.Management.SelfEmp.HighlyQualified
##
## Df Deviance AIC
## - Job.Management.SelfEmp.HighlyQualified 1 612.31 670.31
## - CreditHistory.ThisBank.AllPaid 1 612.33 670.33
## - CheckingAccountStatus.0.to.200 1 612.49 670.49
## - ForeignWorker 1 612.52 670.52
## - SavingsAccountBonds.100.to.500 1 613.09 671.09
## <none> 611.30 671.30
## - OtherInstallmentPlans.None 1 613.32 671.32
## - Purpose.Other 1 613.42 671.42
## - Property.Insurance 1 613.55 671.55
## - Purpose.Business 1 613.55 671.55
## - Telephone 1 614.22 672.22
## - Purpose.Retraining 1 614.30 672.30
## - Personal.Female.NotSingle 1 614.38 672.38
## - Property.CarOther 1 614.47 672.47
## - Age 1 614.65 672.65
## - SavingsAccountBonds.500.to.1000 1 614.67 672.67
## + Purpose.Repairs 1 610.71 672.71
## + Purpose.DomesticAppliance 1 610.71 672.71
## - NumberExistingCredits 1 614.82 672.82
## + CreditHistory.Delay 1 611.00 673.00
## + EmploymentDuration.1.to.4 1 611.01 673.01
## + Personal.Male.Married.Widowed 1 611.02 673.02
## + ResidenceDuration 1 611.07 673.07
## + Purpose.Education 1 611.12 673.12
## + Job.UnskilledResident 1 611.18 673.18
## + OtherDebtorsGuarantors.CoApplicant 1 611.20 673.20
## + EmploymentDuration.Unemployed 1 611.26 673.26
## - OtherDebtorsGuarantors.Guarantor 1 615.29 673.29
## + NumberPeopleMaintenance 1 611.29 673.29
## + OtherInstallmentPlans.Stores 1 611.29 673.29
## - Housing.Own 1 615.59 673.59
## - CheckingAccountStatus.gt.200 1 615.64 673.64
## - SavingsAccountBonds.gt.1000 1 619.59 677.59
## - Purpose.Furniture.Equipment 1 620.28 678.28
## - InstallmentRatePercentage 1 621.58 679.58
## - CreditHistory.Critical 1 622.83 680.83
## - EmploymentDuration.4.to.7 1 623.87 681.87
## - Purpose.Radio.Television 1 625.58 683.58
## - Purpose.UsedCar 1 627.99 685.99
## - SavingsAccountBonds.Unknown 1 632.00 690.00
## - CheckingAccountStatus.none 1 642.75 700.75
## - Duration 1 643.36 701.36
##
## Step: AIC=670.31
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own
##
## Df Deviance AIC
## - CreditHistory.ThisBank.AllPaid 1 613.45 669.45
## - CheckingAccountStatus.0.to.200 1 613.46 669.46
## - ForeignWorker 1 613.49 669.49
## - Purpose.Other 1 614.11 670.11
## - SavingsAccountBonds.100.to.500 1 614.16 670.16
## - OtherInstallmentPlans.None 1 614.30 670.30
## <none> 612.31 670.31
## - Telephone 1 614.38 670.38
## - Purpose.Business 1 614.52 670.52
## - Property.Insurance 1 614.62 670.62
## + Job.Management.SelfEmp.HighlyQualified 1 611.30 671.30
## - Personal.Female.NotSingle 1 615.32 671.32
## - Age 1 615.33 671.33
## - Purpose.Retraining 1 615.36 671.36
## - Property.CarOther 1 615.46 671.46
## - NumberExistingCredits 1 615.59 671.59
## + Purpose.DomesticAppliance 1 611.64 671.64
## + Purpose.Repairs 1 611.82 671.82
## - SavingsAccountBonds.500.to.1000 1 615.83 671.83
## + EmploymentDuration.1.to.4 1 611.92 671.92
## + CreditHistory.Delay 1 611.94 671.94
## + ResidenceDuration 1 611.97 671.97
## + Personal.Male.Married.Widowed 1 612.07 672.07
## + Job.UnskilledResident 1 612.09 672.09
## + Purpose.Education 1 612.12 672.12
## + OtherDebtorsGuarantors.CoApplicant 1 612.24 672.24
## + EmploymentDuration.Unemployed 1 612.31 672.31
## + NumberPeopleMaintenance 1 612.31 672.31
## + OtherInstallmentPlans.Stores 1 612.31 672.31
## - CheckingAccountStatus.gt.200 1 616.45 672.45
## - OtherDebtorsGuarantors.Guarantor 1 616.63 672.63
## - Housing.Own 1 616.89 672.89
## - Purpose.Furniture.Equipment 1 621.17 677.17
## - SavingsAccountBonds.gt.1000 1 621.19 677.19
## - InstallmentRatePercentage 1 622.64 678.64
## - CreditHistory.Critical 1 623.78 679.78
## - EmploymentDuration.4.to.7 1 625.21 681.21
## - Purpose.Radio.Television 1 626.71 682.71
## - Purpose.UsedCar 1 628.20 684.20
## - SavingsAccountBonds.Unknown 1 633.18 689.18
## - CheckingAccountStatus.none 1 644.16 700.16
## - Duration 1 645.31 701.31
##
## Step: AIC=669.45
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.Critical + Purpose.UsedCar + Purpose.Furniture.Equipment +
## Purpose.Radio.Television + Purpose.Retraining + Purpose.Business +
## Purpose.Other + SavingsAccountBonds.100.to.500 + SavingsAccountBonds.500.to.1000 +
## SavingsAccountBonds.gt.1000 + SavingsAccountBonds.Unknown +
## EmploymentDuration.4.to.7 + Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own
##
## Df Deviance AIC
## - ForeignWorker 1 614.62 668.62
## - CheckingAccountStatus.0.to.200 1 614.71 668.71
## - SavingsAccountBonds.100.to.500 1 615.16 669.16
## - Purpose.Other 1 615.17 669.17
## <none> 613.45 669.45
## - Property.Insurance 1 615.60 669.60
## - Purpose.Business 1 615.64 669.64
## - Telephone 1 615.70 669.70
## - Purpose.Retraining 1 616.16 670.16
## + CreditHistory.ThisBank.AllPaid 1 612.31 670.31
## + Job.Management.SelfEmp.HighlyQualified 1 612.33 670.33
## - NumberExistingCredits 1 616.48 670.48
## - Age 1 616.49 670.49
## - Property.CarOther 1 616.50 670.50
## - OtherInstallmentPlans.None 1 616.60 670.60
## - Personal.Female.NotSingle 1 616.67 670.67
## - SavingsAccountBonds.500.to.1000 1 616.81 670.81
## + Purpose.DomesticAppliance 1 612.86 670.86
## + CreditHistory.Delay 1 612.96 670.96
## + Purpose.Repairs 1 613.00 671.00
## + EmploymentDuration.1.to.4 1 613.03 671.03
## + ResidenceDuration 1 613.12 671.12
## + Purpose.Education 1 613.25 671.25
## + Personal.Male.Married.Widowed 1 613.27 671.27
## + Job.UnskilledResident 1 613.28 671.28
## + OtherDebtorsGuarantors.CoApplicant 1 613.42 671.42
## + EmploymentDuration.Unemployed 1 613.43 671.43
## + OtherInstallmentPlans.Stores 1 613.44 671.44
## + NumberPeopleMaintenance 1 613.45 671.45
## - OtherDebtorsGuarantors.Guarantor 1 617.60 671.60
## - CheckingAccountStatus.gt.200 1 617.77 671.77
## - Housing.Own 1 618.16 672.16
## - SavingsAccountBonds.gt.1000 1 622.07 676.07
## - Purpose.Furniture.Equipment 1 622.48 676.48
## - InstallmentRatePercentage 1 624.19 678.19
## - CreditHistory.Critical 1 625.42 679.42
## - EmploymentDuration.4.to.7 1 625.99 679.99
## - Purpose.Radio.Television 1 628.09 682.09
## - Purpose.UsedCar 1 629.24 683.24
## - SavingsAccountBonds.Unknown 1 634.04 688.04
## - CheckingAccountStatus.none 1 646.77 700.77
## - Duration 1 646.89 700.89
##
## Step: AIC=668.62
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + CheckingAccountStatus.0.to.200 + CheckingAccountStatus.gt.200 +
## CheckingAccountStatus.none + CreditHistory.Critical + Purpose.UsedCar +
## Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own
##
## Df Deviance AIC
## - CheckingAccountStatus.0.to.200 1 615.82 667.82
## - SavingsAccountBonds.100.to.500 1 616.37 668.37
## - Purpose.Other 1 616.56 668.56
## <none> 614.62 668.62
## - Property.Insurance 1 616.64 668.64
## - Purpose.Business 1 616.67 668.67
## - Telephone 1 616.74 668.74
## - Purpose.Retraining 1 617.22 669.22
## + ForeignWorker 1 613.45 669.45
## + CreditHistory.ThisBank.AllPaid 1 613.49 669.49
## + Job.Management.SelfEmp.HighlyQualified 1 613.54 669.54
## - Age 1 617.64 669.64
## - Property.CarOther 1 617.79 669.79
## - OtherInstallmentPlans.None 1 617.79 669.79
## - NumberExistingCredits 1 617.90 669.90
## - SavingsAccountBonds.500.to.1000 1 617.96 669.96
## - Personal.Female.NotSingle 1 617.97 669.97
## + Purpose.DomesticAppliance 1 614.08 670.08
## + Purpose.Repairs 1 614.14 670.14
## + EmploymentDuration.1.to.4 1 614.15 670.15
## + CreditHistory.Delay 1 614.17 670.17
## + Purpose.Education 1 614.35 670.35
## + ResidenceDuration 1 614.35 670.35
## + Job.UnskilledResident 1 614.40 670.40
## + Personal.Male.Married.Widowed 1 614.43 670.43
## + OtherDebtorsGuarantors.CoApplicant 1 614.56 670.56
## + EmploymentDuration.Unemployed 1 614.57 670.57
## + OtherInstallmentPlans.Stores 1 614.59 670.59
## + NumberPeopleMaintenance 1 614.62 670.62
## - CheckingAccountStatus.gt.200 1 618.91 670.91
## - OtherDebtorsGuarantors.Guarantor 1 619.21 671.21
## - Housing.Own 1 619.39 671.39
## - SavingsAccountBonds.gt.1000 1 623.22 675.22
## - Purpose.Furniture.Equipment 1 623.36 675.36
## - InstallmentRatePercentage 1 626.39 678.39
## - CreditHistory.Critical 1 626.65 678.65
## - EmploymentDuration.4.to.7 1 627.41 679.41
## - Purpose.Radio.Television 1 628.80 680.80
## - Purpose.UsedCar 1 630.37 682.37
## - SavingsAccountBonds.Unknown 1 635.58 687.58
## - CheckingAccountStatus.none 1 648.28 700.28
## - Duration 1 649.58 701.58
##
## Step: AIC=667.82
## Class ~ Duration + InstallmentRatePercentage + Age + NumberExistingCredits +
## Telephone + CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.Critical + Purpose.UsedCar + Purpose.Furniture.Equipment +
## Purpose.Radio.Television + Purpose.Retraining + Purpose.Business +
## Purpose.Other + SavingsAccountBonds.100.to.500 + SavingsAccountBonds.500.to.1000 +
## SavingsAccountBonds.gt.1000 + SavingsAccountBonds.Unknown +
## EmploymentDuration.4.to.7 + Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.None +
## Housing.Own
##
## Df Deviance AIC
## <none> 615.82 667.82
## - Purpose.Other 1 617.89 667.89
## - Property.Insurance 1 618.12 668.12
## - Telephone 1 618.19 668.19
## - SavingsAccountBonds.100.to.500 1 618.22 668.22
## - Purpose.Business 1 618.37 668.37
## - Purpose.Retraining 1 618.47 668.47
## + CreditHistory.ThisBank.AllPaid 1 614.59 668.59
## + CheckingAccountStatus.0.to.200 1 614.62 668.62
## - Age 1 618.69 668.69
## + ForeignWorker 1 614.71 668.71
## + Job.Management.SelfEmp.HighlyQualified 1 614.78 668.78
## - Property.CarOther 1 618.97 668.97
## - OtherInstallmentPlans.None 1 619.01 669.01
## - Personal.Female.NotSingle 1 619.05 669.05
## - CheckingAccountStatus.gt.200 1 619.17 669.17
## - NumberExistingCredits 1 619.22 669.22
## + CreditHistory.Delay 1 615.28 669.28
## + Purpose.DomesticAppliance 1 615.39 669.39
## + Purpose.Repairs 1 615.44 669.44
## - SavingsAccountBonds.500.to.1000 1 619.45 669.45
## + EmploymentDuration.1.to.4 1 615.49 669.49
## + ResidenceDuration 1 615.59 669.59
## + Purpose.Education 1 615.60 669.60
## + Job.UnskilledResident 1 615.60 669.60
## + Personal.Male.Married.Widowed 1 615.69 669.69
## + EmploymentDuration.Unemployed 1 615.77 669.77
## + OtherInstallmentPlans.Stores 1 615.79 669.79
## + OtherDebtorsGuarantors.CoApplicant 1 615.80 669.80
## + NumberPeopleMaintenance 1 615.82 669.82
## - OtherDebtorsGuarantors.Guarantor 1 620.39 670.39
## - Housing.Own 1 620.85 670.85
## - Purpose.Furniture.Equipment 1 624.10 674.10
## - SavingsAccountBonds.gt.1000 1 625.47 675.47
## - InstallmentRatePercentage 1 627.79 677.79
## - CreditHistory.Critical 1 628.24 678.24
## - EmploymentDuration.4.to.7 1 628.29 678.29
## - Purpose.Radio.Television 1 630.74 680.74
## - Purpose.UsedCar 1 631.51 681.51
## - SavingsAccountBonds.Unknown 1 637.88 687.88
## - Duration 1 650.35 700.35
## - CheckingAccountStatus.none 1 653.04 703.04summary(fit)##
## Call:
## glm(formula = Class ~ Duration + InstallmentRatePercentage +
## ResidenceDuration + Age + NumberExistingCredits + NumberPeopleMaintenance +
## Telephone + ForeignWorker + CheckingAccountStatus.0.to.200 +
## CheckingAccountStatus.gt.200 + CheckingAccountStatus.none +
## CreditHistory.ThisBank.AllPaid + CreditHistory.Delay + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Furniture.Equipment + Purpose.Radio.Television +
## Purpose.DomesticAppliance + Purpose.Repairs + Purpose.Education +
## Purpose.Retraining + Purpose.Business + Purpose.Other + SavingsAccountBonds.100.to.500 +
## SavingsAccountBonds.500.to.1000 + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.1.to.4 +
## EmploymentDuration.4.to.7 + EmploymentDuration.Unemployed +
## Personal.Female.NotSingle + Personal.Male.Married.Widowed +
## OtherDebtorsGuarantors.CoApplicant + OtherDebtorsGuarantors.Guarantor +
## Property.Insurance + Property.CarOther + OtherInstallmentPlans.Stores +
## OtherInstallmentPlans.None + Housing.Own + Job.UnskilledResident +
## Job.Management.SelfEmp.HighlyQualified, family = binomial(link = "logit"),
## data = Training)
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -1.8435 -0.6875 -0.3391 0.6805 2.7705
##
## Coefficients:
## Estimate Std. Error z value
## (Intercept) -1.46054 1.09793 -1.330
## Duration 0.05112 0.00942 5.427
## InstallmentRatePercentage 0.30268 0.09838 3.077
## ResidenceDuration -0.05227 0.09968 -0.524
## Age -0.01727 0.01081 -1.597
## NumberExistingCredits 0.42642 0.23156 1.842
## NumberPeopleMaintenance 0.05504 0.30057 0.183
## Telephone 0.40828 0.24717 1.652
## ForeignWorker 0.72148 0.70701 1.020
## CheckingAccountStatus.0.to.200 -0.34034 0.26629 -1.278
## CheckingAccountStatus.gt.200 -0.94507 0.45605 -2.072
## CheckingAccountStatus.none -1.51489 0.27546 -5.500
## CreditHistory.ThisBank.AllPaid 0.50373 0.46427 1.085
## CreditHistory.Delay -0.21291 0.38252 -0.557
## CreditHistory.Critical -0.97655 0.30181 -3.236
## Purpose.UsedCar -1.67679 0.46622 -3.597
## Purpose.Furniture.Equipment -0.81315 0.32469 -2.504
## Purpose.Radio.Television -1.01608 0.30585 -3.322
## Purpose.DomesticAppliance -0.65373 0.90153 -0.725
## Purpose.Repairs 0.53074 0.64572 0.822
## Purpose.Education 0.21093 0.45916 0.459
## Purpose.Retraining -1.94465 1.25080 -1.555
## Purpose.Business -0.48122 0.37881 -1.270
## Purpose.Other -0.98019 0.83278 -1.177
## SavingsAccountBonds.100.to.500 -0.41569 0.34634 -1.200
## SavingsAccountBonds.500.to.1000 -0.92693 0.56373 -1.644
## SavingsAccountBonds.gt.1000 -1.69968 0.63991 -2.656
## SavingsAccountBonds.Unknown -1.34022 0.32782 -4.088
## EmploymentDuration.1.to.4 -0.15077 0.23977 -0.629
## EmploymentDuration.4.to.7 -1.14649 0.33965 -3.375
## EmploymentDuration.Unemployed -0.18378 0.44937 -0.409
## Personal.Female.NotSingle 0.43426 0.24380 1.781
## Personal.Male.Married.Widowed 0.24003 0.37694 0.637
## OtherDebtorsGuarantors.CoApplicant -0.16775 0.49994 -0.336
## OtherDebtorsGuarantors.Guarantor -1.06300 0.57038 -1.864
## Property.Insurance 0.39873 0.28272 1.410
## Property.CarOther 0.43117 0.25405 1.697
## OtherInstallmentPlans.Stores 0.05727 0.51655 0.111
## OtherInstallmentPlans.None -0.34832 0.28343 -1.229
## Housing.Own -0.51547 0.25710 -2.005
## Job.UnskilledResident -0.11775 0.29178 -0.404
## Job.Management.SelfEmp.HighlyQualified 0.30495 0.33501 0.910
## Pr(>|z|)
## (Intercept) 0.183429
## Duration 5.74e-08 ***
## InstallmentRatePercentage 0.002093 **
## ResidenceDuration 0.600013
## Age 0.110183
## NumberExistingCredits 0.065545 .
## NumberPeopleMaintenance 0.854713
## Telephone 0.098572 .
## ForeignWorker 0.307510
## CheckingAccountStatus.0.to.200 0.201229
## CheckingAccountStatus.gt.200 0.038239 *
## CheckingAccountStatus.none 3.81e-08 ***
## CreditHistory.ThisBank.AllPaid 0.277920
## CreditHistory.Delay 0.577801
## CreditHistory.Critical 0.001214 **
## Purpose.UsedCar 0.000322 ***
## Purpose.Furniture.Equipment 0.012265 *
## Purpose.Radio.Television 0.000893 ***
## Purpose.DomesticAppliance 0.468367
## Purpose.Repairs 0.411114
## Purpose.Education 0.645965
## Purpose.Retraining 0.120011
## Purpose.Business 0.203955
## Purpose.Other 0.239190
## SavingsAccountBonds.100.to.500 0.230042
## SavingsAccountBonds.500.to.1000 0.100119
## SavingsAccountBonds.gt.1000 0.007904 **
## SavingsAccountBonds.Unknown 4.35e-05 ***
## EmploymentDuration.1.to.4 0.529455
## EmploymentDuration.4.to.7 0.000737 ***
## EmploymentDuration.Unemployed 0.682554
## Personal.Female.NotSingle 0.074877 .
## Personal.Male.Married.Widowed 0.524259
## OtherDebtorsGuarantors.CoApplicant 0.737218
## OtherDebtorsGuarantors.Guarantor 0.062365 .
## Property.Insurance 0.158444
## Property.CarOther 0.089663 .
## OtherInstallmentPlans.Stores 0.911722
## OtherInstallmentPlans.None 0.219091
## Housing.Own 0.044967 *
## Job.UnskilledResident 0.686540
## Job.Management.SelfEmp.HighlyQualified 0.362670
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for binomial family taken to be 1)
##
## Null deviance: 839.4 on 699 degrees of freedom
## Residual deviance: 608.3 on 658 degrees of freedom
## AIC: 692.3
##
## Number of Fisher Scoring iterations: 5Hasil model yang didapat.
fit_final= glm(Class~ Duration + InstallmentRatePercentage + NumberExistingCredits + CheckingAccountStatus.none +
CreditHistory.Critical + Purpose.UsedCar + Purpose.Radio.Television +
SavingsAccountBonds.gt.1000 + SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor ,
data=Training,family=binomial(link="logit"))
summary(fit_final)##
## Call:
## glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
##
## Deviance Residuals:
## Min 1Q Median 3Q Max
## -1.9909 -0.7600 -0.4072 0.7684 2.8115
##
## Coefficients:
## Estimate Std. Error z value Pr(>|z|)
## (Intercept) -2.468812 0.456273 -5.411 6.27e-08 ***
## Duration 0.051233 0.008419 6.085 1.16e-09 ***
## InstallmentRatePercentage 0.335585 0.091353 3.674 0.000239 ***
## NumberExistingCredits 0.484316 0.202394 2.393 0.016714 *
## CheckingAccountStatus.none -1.454046 0.227158 -6.401 1.54e-10 ***
## CreditHistory.Critical -1.022213 0.270278 -3.782 0.000156 ***
## Purpose.UsedCar -1.177503 0.407459 -2.890 0.003854 **
## Purpose.Radio.Television -0.681120 0.238236 -2.859 0.004250 **
## SavingsAccountBonds.gt.1000 -1.442411 0.593740 -2.429 0.015125 *
## SavingsAccountBonds.Unknown -1.215718 0.300093 -4.051 5.10e-05 ***
## EmploymentDuration.4.to.7 -0.994675 0.295471 -3.366 0.000762 ***
## Personal.Female.NotSingle 0.539016 0.208117 2.590 0.009598 **
## OtherDebtorsGuarantors.Guarantor -1.133165 0.540434 -2.097 0.036014 *
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## (Dispersion parameter for binomial family taken to be 1)
##
## Null deviance: 839.40 on 699 degrees of freedom
## Residual deviance: 647.97 on 687 degrees of freedom
## AIC: 673.97
##
## Number of Fisher Scoring iterations: 5Selanjutnya untuk menguji nilai signfikansi variabel dengan uji Wald variabel “Duration”
library(survey)## Loading required package: grid## Loading required package: Matrix## Loading required package: survival##
## Attaching package: 'survival'## The following object is masked from 'package:caret':
##
## cluster##
## Attaching package: 'survey'## The following object is masked from 'package:raster':
##
## cv## The following object is masked from 'package:graphics':
##
## dotchartregTermTest(fit_final,"Duration")## Wald test for Duration
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 37.03034 on 1 and 687 df: p= 1.9324e-09Hasil yang didapat nilai p-vaue 0.0000000019324 dibawah nilai signifikansi 0.05 dan menolak H0. Sehingga H1 diterima dengan variabel Duration berpengaruh signfikan terhadap variabel Class
variabel “InstallmentRatePercentage”
regTermTest(fit_final,"InstallmentRatePercentage")## Wald test for InstallmentRatePercentage
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 13.49471 on 1 and 687 df: p= 0.00025785Hasil yang didapat nilai p-vaue 0.00025785 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel InstallmentRatePercentage berpengaruh signfikan terhadap variabel Class
variabel “NumberExistingCredits”
regTermTest(fit_final,"NumberExistingCredits")## Wald test for NumberExistingCredits
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 5.726164 on 1 and 687 df: p= 0.016981Hasil yang didapat nilai p-vaue p= 0.016981 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel NumberExistingCredits berpengaruh signfikan terhadap variabel Class
variabel “CheckingAccountStatus.none”
regTermTest(fit_final,"CheckingAccountStatus.none")## Wald test for CheckingAccountStatus.none
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 40.97322 on 1 and 687 df: p= 2.8584e-10Hasil yang didapat nilai p-vaue p= 0.00000000028584 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel CheckingAccountStatus.none berpengaruh signfikan terhadap variabel Class
variabel “CreditHistory.Critical”
regTermTest(fit_final,"CreditHistory.Critical")## Wald test for CreditHistory.Critical
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 14.30411 on 1 and 687 df: p= 0.00016907Hasil yang didapat nilai p-vaue p= 0.00016907 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel CreditHistory.Critical berpengaruh signfikan terhadap variabel Class
variabel “Purpose.UsedCar”
regTermTest(fit_final,"Purpose.UsedCar")## Wald test for Purpose.UsedCar
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 8.351342 on 1 and 687 df: p= 0.0039755Hasil yang didapat nilai p-vaue p= 0.0039755 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel Purpose.UsedCar berpengaruh signfikan terhadap variabel Class
variabel “Purpose.Radio.Television”
regTermTest(fit_final,"Purpose.Radio.Television")## Wald test for Purpose.Radio.Television
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 8.173938 on 1 and 687 df: p= 0.0043785Hasil yang didapat nilai p-vaue p= 0.0043785 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel Purpose.Radio.Television berpengaruh signfikan terhadap variabel Class
variabel “SavingsAccountBonds.gt.1000”
regTermTest(fit_final,"SavingsAccountBonds.gt.1000")## Wald test for SavingsAccountBonds.gt.1000
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 5.901822 on 1 and 687 df: p= 0.015381Hasil yang didapat nilai p-vaue p= 0.015381 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel SavingsAccountBonds.gt.1000 berpengaruh signfikan terhadap variabel Class
variabel “EmploymentDuration.4.to.7”
regTermTest(fit_final,"EmploymentDuration.4.to.7")## Wald test for EmploymentDuration.4.to.7
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 11.33266 on 1 and 687 df: p= 0.00080397Hasil yang didapat nilai p-vaue p= 0.00080397 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel EmploymentDuration.4.to.7 berpengaruh signfikan terhadap variabel Class
variabel “Personal.Female.NotSingle”
regTermTest(fit_final,"Personal.Female.NotSingle")## Wald test for Personal.Female.NotSingle
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 6.707942 on 1 and 687 df: p= 0.0098019Hasil yang didapat nilai p-vaue p= 0.0098019 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel Personal.Female.NotSingle berpengaruh signfikan terhadap variabel Class
variabel “OtherDebtorsGuarantors.Guarantor”
regTermTest(fit_final,"OtherDebtorsGuarantors.Guarantor")## Wald test for OtherDebtorsGuarantors.Guarantor
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 4.396435 on 1 and 687 df: p= 0.036379Hasil yang didapat nilai p-vaue p= 0.036379 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel OtherDebtorsGuarantors.Guarantor berpengaruh signfikan terhadap variabel Class
Varibel “Personal.Female.NotSingle”
regTermTest(fit_final,"Personal.Female.NotSingle")## Wald test for Personal.Female.NotSingle
## in glm(formula = Class ~ Duration + InstallmentRatePercentage +
## NumberExistingCredits + CheckingAccountStatus.none + CreditHistory.Critical +
## Purpose.UsedCar + Purpose.Radio.Television + SavingsAccountBonds.gt.1000 +
## SavingsAccountBonds.Unknown + EmploymentDuration.4.to.7 +
## Personal.Female.NotSingle + OtherDebtorsGuarantors.Guarantor,
## family = binomial(link = "logit"), data = Training)
## F = 6.707942 on 1 and 687 df: p= 0.0098019Hasil yang didapat nilai p-vaue p= 0.0098019 dibawah nilai signifikansi 0.05 dan menolak H0. Sehinga H1 diterima dengan variabel Personal.Female.NotSingle berpengaruh signfikan terhadap variabel Class
Selanjutnya adalah uji kebaikan model terhadap data menggunakan metode uji Hosmer Lemeshow Test
library(ResourceSelection)## Warning: package 'ResourceSelection' was built under R version 3.5.3## ResourceSelection 0.3-5 2019-07-22hoslem.test(Training$Class,fitted(fit_final),g=10)##
## Hosmer and Lemeshow goodness of fit (GOF) test
##
## data: Training$Class, fitted(fit_final)
## X-squared = 6.6907, df = 8, p-value = 0.5703Hasil yang didapat adalah nilai p-value 0.5703 lebih besar dari nilai signifikansi 0.05 sehingga H0 tetap diterima dengan model yang baik
Sekarang melakukan prediksi dari hasil model yang didapat.
hasil <- predict(fit_final,newdata=Testing[,-10],type='response')
hasil_biner <- ifelse(hasil > 0.5,1,0)
error <- mean(hasil_biner != Testing$Class)
print(paste('Akurasi',1-error))## [1] "Akurasi 0.73"Hasil yang didapat model memiliki nilai Akurasi 0.73 dari hasil uji dari data testing.
library(InformationValue)## Warning: package 'InformationValue' was built under R version 3.5.3##
## Attaching package: 'InformationValue'## The following objects are masked from 'package:caret':
##
## confusionMatrix, precision, sensitivity, specificityplotROC(actuals=Testing[,10],predictedScores=hasil_biner)
Gambar plot ROC menunjukan kurva ROC memiliki nilai 0.628 dengan arti bahwa hasil prdiksi data testing kurang baik. Sehingga model yang didapat masih kurang baik untuk digunakan dalam klasifikasi resiko kredit.