Datos

datos = read.table("credit.csv", sep=";", header = TRUE)

head(datos)

    ID Edad Ingresos ConsumoTC CasaPropia          NivelEstudios Negaciones
1 C311   31     3950    256.66          1              Postgrado          0
2 C312   42     1980      0.00          1       Superior técnico          0
3 C313   30     1730      0.00          1        Educacion Media          2
4 C314   29     2450     78.87          1 Universitario completo          0
5 C315   35     1910      0.00          1       Superior técnico          0
6 C316   41     3200    335.43          1 Universitario completo          0
  EstadoFinal
1    Aprobado
2      Negado
3      Negado
4    Aprobado
5    Aprobado
6    Aprobado

summary(datos)

      ID                 Edad          Ingresos       ConsumoTC      
 Length:112         Min.   :20.00   Min.   : 1500   Min.   :   0.00  
 Class :character   1st Qu.:26.00   1st Qu.: 2300   1st Qu.:  33.79  
 Mode  :character   Median :31.00   Median : 3000   Median : 100.07  
                    Mean   :31.92   Mean   : 3366   Mean   : 216.91  
                    3rd Qu.:37.00   3rd Qu.: 3970   3rd Qu.: 267.08  
                    Max.   :55.00   Max.   :10000   Max.   :1898.03  
   CasaPropia     NivelEstudios        Negaciones     EstadoFinal       
 Min.   :0.0000   Length:112         Min.   :0.0000   Length:112        
 1st Qu.:0.0000   Class :character   1st Qu.:0.0000   Class :character  
 Median :0.0000   Mode  :character   Median :0.0000   Mode  :character  
 Mean   :0.3839                      Mean   :0.3304                     
 3rd Qu.:1.0000                      3rd Qu.:0.0000                     
 Max.   :1.0000                      Max.   :4.0000                     

Análisis