R Markdown Helen May 7th
Helen
- Mai 2015
#1
credit <- read.table(file= "http://nathanieldphillips.com/wp-content/uploads/2015/05/credit.txt", header = T, sep=",", stringsAsFactors = F)
#2
dim(credit)## [1] 1000 17nrow(credit)## [1] 1000#3
names(credit)## [1] "checking_balance" "months_loan_duration" "credit_history"
## [4] "purpose" "amount" "savings_balance"
## [7] "employment_duration" "percent_of_income" "years_at_residence"
## [10] "age" "other_credit" "housing"
## [13] "existing_loans_count" "job" "dependents"
## [16] "phone" "default"#4
credit$amount.eur <- credit$amount / 2
credit$amount.eur## [1] 584.5 2975.5 1048.0 3941.0 2435.0 4527.5 1417.5 3474.0 1529.5
## [10] 2617.0 647.5 2154.0 783.5 599.5 701.5 641.0 1212.0 4036.0
## [19] 6289.5 1715.0 1067.0 1323.5 1120.5 902.0 1034.5 687.0 213.0
## [28] 204.5 1207.5 3418.0 956.5 2010.0 2933.0 632.0 737.0 2373.0
## [37] 3055.0 1050.0 612.5 229.0 1166.5 579.0 3102.0 3093.5 3071.5
## [46] 696.5 1149.5 676.0 3614.0 1036.5 1166.5 2982.5 631.0 1689.0
## [55] 1112.5 391.5 3234.0 4783.0 980.5 3114.5 695.5 768.5 976.5
## [64] 7210.5 1590.5 2595.0 1085.5 503.5 909.5 1197.0 4066.5 365.0
## [73] 582.0 2977.0 988.5 763.0 1982.5 2385.5 4718.0 1916.0 2971.5
## [82] 606.5 784.0 877.5 1157.5 706.0 647.5 6306.0 1124.5 554.0
## [91] 309.0 704.5 398.5 1808.5 659.0 7972.5 1006.0 1311.0 1168.5
## [100] 3528.5 734.5 1161.5 466.0 959.5 1222.5 5969.0 3229.0 3039.0
## [109] 3860.5 705.0 724.5 196.0 3130.0 3927.5 840.0 1789.0 3587.0
## [118] 1066.0 2140.5 1183.0 917.5 1934.0 884.0 390.5 962.0 1060.5
## [127] 350.5 319.5 930.0 1749.5 4243.5 3443.5 1354.0 992.0 5072.0
## [136] 620.0 4306.5 383.0 1364.0 940.5 354.5 2397.5 1708.0 1231.0
## [145] 1144.0 1783.0 430.0 341.0 2685.5 791.0 673.0 962.0 2924.0
## [154] 3879.0 3483.5 641.0 644.0 169.5 1756.0 949.0 1436.0 527.5
## [163] 631.0 3654.0 454.5 1489.0 565.5 788.5 1986.0 967.5 475.0
## [172] 381.5 1032.0 707.0 1707.0 3742.5 1288.5 169.0 981.5 285.5
## [181] 4786.0 2227.5 823.5 1888.5 442.0 680.0 2564.5 587.5 337.0
## [190] 1622.0 2295.5 1922.0 1957.5 1054.0 1515.5 750.5 691.0 475.5
## [199] 1380.0 2148.5 468.0 584.0 2558.5 451.0 747.5 5311.5 967.5
## [208] 712.0 3284.0 706.5 1537.0 1917.5 2646.5 954.0 1671.0 466.0
## [217] 1552.0 1956.5 1510.5 682.0 312.5 600.0 353.5 1489.0 2328.5
## [226] 1306.5 5480.5 3932.5 739.0 1574.5 2105.0 1253.5 1070.5 433.0
## [235] 772.0 911.5 7277.5 1383.5 645.5 1261.0 457.5 797.5 2302.5
## [244] 592.5 1723.5 629.0 358.5 602.0 962.5 216.5 333.0 1125.5
## [253] 1075.0 2075.5 1015.0 3709.0 1342.0 1074.5 1906.0 577.0 828.5
## [262] 801.5 2651.0 1374.0 615.5 401.0 3152.0 766.5 4489.0 499.5
## [271] 1331.0 701.0 6084.5 1530.0 5999.0 1348.5 1202.0 631.0 2305.5
## [280] 950.5 1684.0 787.0 722.5 760.0 1939.0 5361.0 2394.0 3791.0
## [289] 546.0 512.0 538.0 4699.0 3209.5 2398.0 3814.5 4980.0 2337.5
## [298] 643.5 1257.5 1372.5 336.0 1902.0 672.0 519.0 5063.5 771.5
## [307] 2405.5 363.5 618.5 138.0 2690.5 2755.5 1874.5 342.5 747.0
## [316] 1373.0 354.0 2175.5 350.5 1821.5 2124.5 969.0 1455.0 1329.5
## [325] 514.0 1699.0 2900.5 762.5 2236.5 534.0 3307.5 932.0 3704.0
## [334] 5795.0 2055.0 1692.0 1050.5 637.5 2084.5 760.5 2871.5 1799.5
## [343] 1606.5 2219.5 1974.5 729.5 441.0 1879.0 871.5 568.0 618.0
## [352] 479.5 1614.5 3099.5 363.5 623.0 1165.5 2231.5 388.0 1203.0
## [361] 619.5 1699.5 1123.5 883.0 1236.5 771.0 1925.0 1825.0 1723.0
## [370] 1500.5 1539.5 3035.0 1073.0 6878.0 7391.0 3842.5 1160.0 423.0
## [379] 7159.0 181.0 1106.0 6488.0 641.5 665.0 2136.0 1119.0 563.0
## [388] 3687.0 1163.0 724.5 910.0 491.5 1624.5 978.5 1203.0 5880.0
## [397] 1289.0 1174.0 611.5 758.0 736.5 943.5 4324.0 401.0 1449.5
## [406] 1019.5 1098.5 526.5 1617.5 469.5 983.5 3626.5 1146.0 798.5
## [415] 690.5 2921.0 1289.5 4235.5 1391.0 521.0 1593.0 1014.0 479.0
## [424] 795.5 1381.0 1389.5 1371.5 574.5 656.5 595.0 1724.0 5664.0
## [433] 936.0 1029.0 1068.0 742.0 330.0 643.5 1697.0 304.5 942.0
## [442] 810.0 1314.5 359.5 2548.0 622.0 921.0 1288.0 712.0 756.0
## [451] 5527.0 259.0 1379.5 1335.0 2408.5 1339.5 1952.5 1693.0 171.5
## [460] 2297.0 1810.0 860.5 1508.5 377.0 975.0 1462.0 829.5 3619.0
## [469] 1382.0 2339.5 1546.0 224.0 327.0 619.0 622.5 1557.0 1284.5
## [478] 2576.0 518.5 739.0 1786.5 600.5 1811.0 480.0 581.5 604.5
## [487] 1538.5 1878.5 709.0 1759.0 967.0 4159.0 618.5 184.0 1061.0
## [496] 1498.0 4517.0 792.5 650.5 661.5 1561.5 2746.5 563.0 608.0
## [505] 603.5 654.5 1180.0 3425.0 706.5 4294.0 379.5 2343.0 1343.5
## [514] 292.5 1127.5 304.5 680.5 3563.5 601.5 350.0 2753.5 1595.0
## [523] 3559.5 1744.0 556.5 3983.0 766.0 751.5 1151.0 331.0 1136.5
## [532] 1315.5 751.5 655.5 1552.5 1159.5 687.0 1806.0 3881.5 1524.5
## [541] 767.0 1016.0 3175.0 1432.0 627.5 666.5 1011.0 776.0 313.0
## [550] 4429.0 498.0 875.0 3499.5 997.5 599.5 665.5 1139.0 2501.5
## [559] 1776.0 964.0 1482.0 773.0 341.5 6194.5 2356.0 776.5 686.0
## [568] 1289.0 1989.5 3379.0 1617.0 2977.0 2716.5 403.0 541.0 1394.0
## [577] 1465.0 963.5 1410.0 468.5 528.0 1562.0 694.0 1192.0 1066.5
## [586] 1019.5 1399.5 644.5 608.5 1123.0 192.5 982.5 786.0 1359.0
## [595] 679.0 465.5 721.0 2120.5 1387.5 1931.5 1164.5 459.0 918.5
## [604] 1674.5 637.5 1414.0 2263.0 1335.5 1025.5 650.0 370.5 620.0
## [613] 1678.5 1816.0 904.0 6102.0 4578.5 1838.0 1720.5 320.0 1826.0
## [622] 765.0 1957.0 929.0 1300.0 989.5 1058.0 718.5 2021.0 1916.0
## [631] 1830.0 776.5 722.0 990.0 677.5 696.5 688.0 7826.5 746.5
## [640] 2185.0 375.0 654.0 2311.5 925.5 940.0 3990.0 2291.5 693.0
## [649] 473.5 342.0 3738.0 961.0 1151.5 4043.0 1173.0 1986.5 444.0
## [658] 5111.0 2110.5 3180.5 648.5 450.0 1120.5 525.0 523.5 3157.0
## [667] 1748.0 1804.5 2421.5 1508.5 2069.5 2871.0 5183.0 1040.0 1290.0
## [676] 2265.0 2575.0 2797.5 1192.0 726.5 769.0 1139.5 739.0 2551.5
## [685] 4928.5 3263.5 673.5 1431.0 1376.5 1825.5 487.5 1315.5 1448.0
## [694] 2358.0 1142.0 618.0 551.5 463.0 900.0 952.5 561.5 3165.5
## [703] 688.5 1251.5 1264.0 2662.0 3280.0 1484.5 603.0 1059.0 314.5
## [712] 599.0 1238.0 569.0 7013.5 3798.0 1538.5 752.5 1574.0 3074.0
## [721] 668.5 216.5 614.0 395.0 1285.0 125.0 658.0 941.0 3208.0
## [730] 637.5 3201.5 993.5 380.0 1301.5 1690.0 1995.0 5780.0 2190.0
## [739] 3380.5 2140.0 1162.5 524.0 1580.0 1241.5 7089.5 898.5 1255.5
## [748] 637.0 2624.0 1514.5 214.0 488.0 420.5 2885.5 777.5 642.5
## [757] 649.5 635.5 696.5 345.5 2522.5 1062.0 1107.0 6340.0 1231.5
## [766] 577.5 1554.0 1450.5 1808.5 827.5 1406.0 4032.5 1637.5 1111.5
## [775] 740.0 685.5 1767.5 1754.5 2855.5 1936.0 2466.5 970.0 705.0
## [784] 418.0 3234.0 970.5 1337.5 1375.5 3112.0 2999.0 594.0 3156.5
## [793] 610.5 1446.0 1531.0 1150.5 3755.5 629.0 358.5 774.5 798.5
## [802] 897.5 2136.0 488.0 3736.0 4635.5 295.0 465.0 4641.5 889.0
## [811] 453.5 242.0 4814.5 1525.5 1965.5 3716.0 669.0 777.0 7928.5
## [820] 672.5 550.5 1508.0 1356.0 365.5 1890.0 801.0 1983.0 2082.5
## [829] 4167.5 3340.5 1187.5 608.0 5908.0 2542.0 1163.5 541.0 443.0
## [838] 300.5 1478.5 1305.5 2589.5 1496.5 971.5 779.5 1711.0 1988.0
## [847] 3380.5 624.5 682.0 354.5 1117.5 2021.0 735.5 721.0 5437.5
## [856] 737.0 447.0 1671.5 1979.5 1788.5 2902.0 1084.5 1219.5 2263.0
## [865] 1105.0 1110.5 1194.5 1665.5 3704.5 326.0 3839.0 671.5 691.0
## [874] 437.0 1795.0 661.0 970.0 1797.5 711.0 3371.0 3907.0 4638.5
## [883] 1090.5 549.0 2028.5 397.5 1412.5 7836.0 3307.0 3912.0 1221.0
## [892] 914.5 1085.5 2900.0 584.5 4473.5 1303.0 796.0 1093.0 2076.5
## [901] 1312.5 1742.5 5238.5 693.0 639.0 553.5 1881.5 1855.5 1797.0
## [910] 1597.5 2227.0 2368.0 1495.5 1071.0 1580.5 9212.0 1424.0 7448.0
## [919] 1179.5 1672.5 908.5 6374.5 683.0 1001.0 3436.0 348.5 524.5
## [928] 5148.5 933.5 672.0 873.5 835.0 612.0 261.0 749.0 959.5
## [937] 372.5 1031.5 3144.0 3421.0 1763.5 773.0 464.5 727.5 922.5
## [946] 4179.0 1674.5 1429.5 766.5 1810.5 1795.0 1072.5 2056.5 5487.0
## [955] 946.5 615.5 1828.0 577.0 2003.0 1534.5 870.0 1176.5 1778.0
## [964] 1198.5 227.0 857.5 1260.0 1784.0 3583.0 1969.5 757.0 3696.5
## [973] 596.5 3648.5 1415.5 629.0 376.5 1213.5 1269.0 632.0 4193.0
## [982] 2422.0 1461.5 4114.5 1014.0 716.5 3144.5 704.5 3289.5 871.5
## [991] 1782.5 784.5 968.0 1979.5 1195.0 868.0 1928.5 402.0 922.5
## [1000] 2288.0head(credit)## checking_balance months_loan_duration credit_history
## 1 < 0 DM 6 critical
## 2 1 - 200 DM 48 good
## 3 unknown 12 critical
## 4 < 0 DM 42 good
## 5 < 0 DM 24 poor
## 6 unknown 36 good
## purpose amount savings_balance employment_duration
## 1 furniture/appliances 1169 unknown > 7 years
## 2 furniture/appliances 5951 < 100 DM 1 - 4 years
## 3 education 2096 < 100 DM 4 - 7 years
## 4 furniture/appliances 7882 < 100 DM 4 - 7 years
## 5 car 4870 < 100 DM 1 - 4 years
## 6 education 9055 unknown 1 - 4 years
## percent_of_income years_at_residence age other_credit housing
## 1 4 4 67 none own
## 2 2 2 22 none own
## 3 2 3 49 none own
## 4 2 4 45 none other
## 5 3 4 53 none other
## 6 2 4 35 none other
## existing_loans_count job dependents phone default amount.eur
## 1 2 skilled 1 yes no 584.5
## 2 1 skilled 1 no yes 2975.5
## 3 1 unskilled 2 no no 1048.0
## 4 1 skilled 2 no no 3941.0
## 5 2 skilled 2 no yes 2435.0
## 6 1 unskilled 2 yes no 4527.5#5
summary(credit$amount.eur)## Min. 1st Qu. Median Mean 3rd Qu. Max.
## 125.0 682.8 1160.0 1636.0 1986.0 9212.0mean(credit$amount.eur)## [1] 1635.629median(credit$amount.eur)## [1] 1159.75sd(credit$amount.eur)## [1] 1411.368#6
head(credit)## checking_balance months_loan_duration credit_history
## 1 < 0 DM 6 critical
## 2 1 - 200 DM 48 good
## 3 unknown 12 critical
## 4 < 0 DM 42 good
## 5 < 0 DM 24 poor
## 6 unknown 36 good
## purpose amount savings_balance employment_duration
## 1 furniture/appliances 1169 unknown > 7 years
## 2 furniture/appliances 5951 < 100 DM 1 - 4 years
## 3 education 2096 < 100 DM 4 - 7 years
## 4 furniture/appliances 7882 < 100 DM 4 - 7 years
## 5 car 4870 < 100 DM 1 - 4 years
## 6 education 9055 unknown 1 - 4 years
## percent_of_income years_at_residence age other_credit housing
## 1 4 4 67 none own
## 2 2 2 22 none own
## 3 2 3 49 none own
## 4 2 4 45 none other
## 5 3 4 53 none other
## 6 2 4 35 none other
## existing_loans_count job dependents phone default amount.eur
## 1 2 skilled 1 yes no 584.5
## 2 1 skilled 1 no yes 2975.5
## 3 1 unskilled 2 no no 1048.0
## 4 1 skilled 2 no no 3941.0
## 5 2 skilled 2 no yes 2435.0
## 6 1 unskilled 2 yes no 4527.5credit$purpose## [1] "furniture/appliances" "furniture/appliances" "education"
## [4] "furniture/appliances" "car" "education"
## [7] "furniture/appliances" "car" "furniture/appliances"
## [10] "car" "car" "business"
## [13] "furniture/appliances" "car" "car"
## [16] "furniture/appliances" "furniture/appliances" "business"
## [19] "car" "furniture/appliances" "car"
## [22] "furniture/appliances" "car" "car"
## [25] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [28] "furniture/appliances" "furniture/appliances" "business"
## [31] "business" "furniture/appliances" "car"
## [34] "business" "furniture/appliances" "furniture/appliances"
## [37] "education" "furniture/appliances" "furniture/appliances"
## [40] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [43] "renovations" "car" "car"
## [46] "car" "furniture/appliances" "car"
## [49] "car" "furniture/appliances" "furniture/appliances"
## [52] "car" "furniture/appliances" "car"
## [55] "car" "car" "furniture/appliances"
## [58] "furniture/appliances" "car" "furniture/appliances"
## [61] "business" "furniture/appliances" "business"
## [64] "business" "furniture/appliances" "renovations"
## [67] "furniture/appliances" "car" "education"
## [70] "furniture/appliances" "car" "furniture/appliances"
## [73] "car" "business" "education"
## [76] "car" "furniture/appliances" "furniture/appliances"
## [79] "car" "furniture/appliances" "furniture/appliances"
## [82] "furniture/appliances" "business" "car"
## [85] "furniture/appliances" "business" "furniture/appliances"
## [88] "education" "car" "renovations"
## [91] "furniture/appliances" "car" "furniture/appliances"
## [94] "furniture/appliances" "car" "business"
## [97] "education" "business" "furniture/appliances"
## [100] "car" "car" "furniture/appliances"
## [103] "furniture/appliances" "furniture/appliances" "car"
## [106] "car" "car" "car"
## [109] "furniture/appliances" "business" "business"
## [112] "education" "car" "car"
## [115] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [118] "furniture/appliances" "furniture/appliances" "car"
## [121] "furniture/appliances" "car" "furniture/appliances"
## [124] "car" "furniture/appliances" "car"
## [127] "furniture/appliances" "renovations" "car"
## [130] "car" "car" "education"
## [133] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [136] "furniture/appliances" "car" "furniture/appliances"
## [139] "furniture/appliances" "furniture/appliances" "car"
## [142] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [145] "furniture/appliances" "business" "car"
## [148] "car" "furniture/appliances" "furniture/appliances"
## [151] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [154] "car" "business" "furniture/appliances"
## [157] "renovations" "education" "car"
## [160] "furniture/appliances" "furniture/appliances" "car"
## [163] "furniture/appliances" "car" "car"
## [166] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [169] "furniture/appliances" "business" "car"
## [172] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [175] "education" "car" "furniture/appliances"
## [178] "furniture/appliances" "furniture/appliances" "car"
## [181] "business" "business" "car"
## [184] "furniture/appliances" "car" "furniture/appliances"
## [187] "car" "car" "furniture/appliances"
## [190] "furniture/appliances" "business" "business"
## [193] "business" "furniture/appliances" "furniture/appliances"
## [196] "education" "furniture/appliances" "furniture/appliances"
## [199] "car" "furniture/appliances" "education"
## [202] "car" "business" "education"
## [205] "car" "car" "furniture/appliances"
## [208] "furniture/appliances" "business" "car"
## [211] "furniture/appliances" "furniture/appliances" "business"
## [214] "business" "furniture/appliances" "education"
## [217] "business" "furniture/appliances" "furniture/appliances"
## [220] "car" "furniture/appliances" "education"
## [223] "furniture/appliances" "business" "car"
## [226] "renovations" "furniture/appliances" "furniture/appliances"
## [229] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [232] "car" "furniture/appliances" "furniture/appliances"
## [235] "furniture/appliances" "furniture/appliances" "car"
## [238] "business" "furniture/appliances" "furniture/appliances"
## [241] "car" "furniture/appliances" "car"
## [244] "business" "education" "business"
## [247] "furniture/appliances" "car" "furniture/appliances"
## [250] "furniture/appliances" "car" "furniture/appliances"
## [253] "car" "furniture/appliances" "furniture/appliances"
## [256] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [259] "car" "furniture/appliances" "furniture/appliances"
## [262] "furniture/appliances" "car" "education"
## [265] "car" "furniture/appliances" "business"
## [268] "furniture/appliances" "car" "furniture/appliances"
## [271] "car" "furniture/appliances" "car"
## [274] "furniture/appliances" "renovations" "furniture/appliances"
## [277] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [280] "furniture/appliances" "car" "furniture/appliances"
## [283] "furniture/appliances" "furniture/appliances" "car"
## [286] "car" "car" "car"
## [289] "furniture/appliances" "furniture/appliances" "business"
## [292] "car" "car" "car"
## [295] "business" "furniture/appliances" "car"
## [298] "car" "furniture/appliances" "furniture/appliances"
## [301] "car" "furniture/appliances" "car"
## [304] "car" "car" "furniture/appliances"
## [307] "car" "furniture/appliances" "furniture/appliances"
## [310] "car" "car" "furniture/appliances"
## [313] "furniture/appliances" "car" "car"
## [316] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [319] "education" "furniture/appliances" "car"
## [322] "furniture/appliances" "car" "furniture/appliances"
## [325] "car" "car" "furniture/appliances"
## [328] "car" "furniture/appliances" "furniture/appliances"
## [331] "car" "education" "car"
## [334] "car" "furniture/appliances" "furniture/appliances"
## [337] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [340] "furniture/appliances" "education" "furniture/appliances"
## [343] "furniture/appliances" "business" "car"
## [346] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [349] "business" "education" "furniture/appliances"
## [352] "furniture/appliances" "car" "furniture/appliances"
## [355] "education" "car" "furniture/appliances"
## [358] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [361] "education" "furniture/appliances" "car"
## [364] "furniture/appliances" "furniture/appliances" "business"
## [367] "car" "furniture/appliances" "furniture/appliances"
## [370] "furniture/appliances" "car" "furniture/appliances"
## [373] "furniture/appliances" "car" "car"
## [376] "business" "furniture/appliances" "furniture/appliances"
## [379] "car" "car" "furniture/appliances"
## [382] "car" "car" "car"
## [385] "business" "furniture/appliances" "furniture/appliances"
## [388] "furniture/appliances" "business" "business"
## [391] "car" "furniture/appliances" "car"
## [394] "furniture/appliances" "furniture/appliances" "education"
## [397] "furniture/appliances" "furniture/appliances" "car"
## [400] "furniture/appliances" "furniture/appliances" "business"
## [403] "business" "car" "car"
## [406] "furniture/appliances" "car" "furniture/appliances"
## [409] "furniture/appliances" "car" "furniture/appliances"
## [412] "car" "business" "car"
## [415] "car" "car" "car"
## [418] "education" "car" "car"
## [421] "car" "car" "car"
## [424] "furniture/appliances" "furniture/appliances" "car"
## [427] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [430] "renovations" "business" "car"
## [433] "furniture/appliances" "renovations" "furniture/appliances"
## [436] "furniture/appliances" "renovations" "car"
## [439] "renovations" "business" "car"
## [442] "furniture/appliances" "car" "education"
## [445] "furniture/appliances" "education" "car"
## [448] "furniture/appliances" "furniture/appliances" "renovations"
## [451] "car" "furniture/appliances" "furniture/appliances"
## [454] "car" "car" "car"
## [457] "car" "car" "furniture/appliances"
## [460] "furniture/appliances" "furniture/appliances" "car"
## [463] "furniture/appliances" "education" "business"
## [466] "car" "furniture/appliances" "furniture/appliances"
## [469] "business" "car" "furniture/appliances"
## [472] "education" "car" "education"
## [475] "furniture/appliances" "furniture/appliances" "car"
## [478] "furniture/appliances" "business" "furniture/appliances"
## [481] "furniture/appliances" "car" "furniture/appliances"
## [484] "furniture/appliances" "car" "car"
## [487] "furniture/appliances" "car" "car"
## [490] "car" "furniture/appliances" "business"
## [493] "furniture/appliances" "furniture/appliances" "car"
## [496] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [499] "furniture/appliances" "car" "car"
## [502] "car" "furniture/appliances" "furniture/appliances"
## [505] "car" "car" "car"
## [508] "car" "furniture/appliances" "car"
## [511] "car" "car" "business"
## [514] "furniture/appliances" "car" "car"
## [517] "car" "furniture/appliances" "car"
## [520] "furniture/appliances" "renovations" "furniture/appliances"
## [523] "furniture/appliances" "car" "furniture/appliances"
## [526] "car" "education" "furniture/appliances"
## [529] "furniture/appliances" "car" "education"
## [532] "car" "car" "furniture/appliances"
## [535] "furniture/appliances" "education" "car"
## [538] "furniture/appliances" "car" "furniture/appliances"
## [541] "furniture/appliances" "car" "furniture/appliances"
## [544] "furniture/appliances" "car" "car"
## [547] "car" "furniture/appliances" "furniture/appliances"
## [550] "car" "renovations" "furniture/appliances"
## [553] "furniture/appliances" "car" "education"
## [556] "furniture/appliances" "car" "car"
## [559] "furniture/appliances" "furniture/appliances" "car"
## [562] "furniture/appliances" "furniture/appliances" "car"
## [565] "business" "furniture/appliances" "car"
## [568] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [571] "furniture/appliances" "furniture/appliances" "car"
## [574] "business" "furniture/appliances" "furniture/appliances"
## [577] "furniture/appliances" "education" "car"
## [580] "education" "car" "car"
## [583] "furniture/appliances" "renovations" "car"
## [586] "furniture/appliances" "car" "furniture/appliances"
## [589] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [592] "car" "business" "car"
## [595] "car" "car" "car"
## [598] "business" "car" "business"
## [601] "furniture/appliances" "furniture/appliances" "education"
## [604] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [607] "business" "furniture/appliances" "furniture/appliances"
## [610] "car" "furniture/appliances" "car"
## [613] "furniture/appliances" "car" "furniture/appliances"
## [616] "business" "furniture/appliances" "car"
## [619] "furniture/appliances" "car" "business"
## [622] "car" "business" "furniture/appliances"
## [625] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [628] "car" "furniture/appliances" "education"
## [631] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [634] "furniture/appliances" "car" "education"
## [637] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [640] "furniture/appliances" "education" "renovations"
## [643] "education" "furniture/appliances" "furniture/appliances"
## [646] "business" "furniture/appliances" "car"
## [649] "car" "education" "education"
## [652] "furniture/appliances" "car" "car"
## [655] "car" "car" "car"
## [658] "furniture/appliances" "business" "furniture/appliances"
## [661] "furniture/appliances" "car" "furniture/appliances"
## [664] "furniture/appliances" "education" "car"
## [667] "furniture/appliances" "business" "car"
## [670] "furniture/appliances" "business" "business"
## [673] "car" "car" "business"
## [676] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [679] "furniture/appliances" "furniture/appliances" "education"
## [682] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [685] "business" "car" "furniture/appliances"
## [688] "car" "furniture/appliances" "car"
## [691] "furniture/appliances" "renovations" "furniture/appliances"
## [694] "car" "furniture/appliances" "car"
## [697] "furniture/appliances" "car" "furniture/appliances"
## [700] "education" "furniture/appliances" "car"
## [703] "furniture/appliances" "business" "business"
## [706] "car" "car" "furniture/appliances"
## [709] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [712] "education" "car" "furniture/appliances"
## [715] "car" "car" "furniture/appliances"
## [718] "furniture/appliances" "furniture/appliances" "car"
## [721] "furniture/appliances" "education" "car"
## [724] "furniture/appliances" "car" "car"
## [727] "furniture/appliances" "furniture/appliances" "business"
## [730] "business" "furniture/appliances" "furniture/appliances"
## [733] "furniture/appliances" "car" "car"
## [736] "furniture/appliances" "car" "car"
## [739] "car" "business" "car"
## [742] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [745] "furniture/appliances" "business" "car"
## [748] "car" "car" "car"
## [751] "furniture/appliances" "car" "business"
## [754] "furniture/appliances" "renovations" "car"
## [757] "car" "furniture/appliances" "car"
## [760] "car" "car" "furniture/appliances"
## [763] "furniture/appliances" "car" "car"
## [766] "furniture/appliances" "furniture/appliances" "car"
## [769] "furniture/appliances" "furniture/appliances" "car"
## [772] "education" "car" "furniture/appliances"
## [775] "car" "car" "car"
## [778] "furniture/appliances" "car" "renovations"
## [781] "furniture/appliances" "car" "education"
## [784] "car" "car" "business"
## [787] "furniture/appliances" "car" "education"
## [790] "education" "business" "car"
## [793] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [796] "furniture/appliances" "car" "furniture/appliances"
## [799] "car" "car" "education"
## [802] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [805] "car" "car" "furniture/appliances"
## [808] "furniture/appliances" "car" "car"
## [811] "business" "furniture/appliances" "car"
## [814] "furniture/appliances" "car" "car"
## [817] "furniture/appliances" "furniture/appliances" "car"
## [820] "furniture/appliances" "car" "furniture/appliances"
## [823] "furniture/appliances" "car" "furniture/appliances"
## [826] "car" "car" "business"
## [829] "car" "business" "business"
## [832] "car" "business" "furniture/appliances"
## [835] "furniture/appliances" "car" "furniture/appliances"
## [838] "furniture/appliances" "car" "furniture/appliances"
## [841] "furniture/appliances" "car" "renovations"
## [844] "business" "furniture/appliances" "furniture/appliances"
## [847] "car" "car" "furniture/appliances"
## [850] "furniture/appliances" "car" "car"
## [853] "furniture/appliances" "car" "car"
## [856] "car" "education" "furniture/appliances"
## [859] "car" "car" "car"
## [862] "business" "furniture/appliances" "furniture/appliances"
## [865] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [868] "furniture/appliances" "business" "furniture/appliances"
## [871] "furniture/appliances" "car" "business"
## [874] "furniture/appliances" "furniture/appliances" "car"
## [877] "furniture/appliances" "furniture/appliances" "car"
## [880] "furniture/appliances" "car" "car"
## [883] "car" "furniture/appliances" "furniture/appliances"
## [886] "education" "business" "business"
## [889] "car" "car" "business"
## [892] "furniture/appliances" "car" "car"
## [895] "furniture/appliances" "car" "furniture/appliances"
## [898] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [901] "car" "car" "car"
## [904] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [907] "car" "education" "car"
## [910] "car" "furniture/appliances" "furniture/appliances"
## [913] "furniture/appliances" "business" "business"
## [916] "car" "car" "car"
## [919] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [922] "furniture/appliances" "furniture/appliances" "car"
## [925] "furniture/appliances" "car" "furniture/appliances"
## [928] "car" "furniture/appliances" "car"
## [931] "furniture/appliances" "furniture/appliances" "car"
## [934] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [937] "furniture/appliances" "furniture/appliances" "education"
## [940] "car" "car" "car"
## [943] "furniture/appliances" "car" "furniture/appliances"
## [946] "car" "furniture/appliances" "car"
## [949] "furniture/appliances" "furniture/appliances" "business"
## [952] "business" "car" "furniture/appliances"
## [955] "car" "furniture/appliances" "furniture/appliances"
## [958] "furniture/appliances" "car" "furniture/appliances"
## [961] "furniture/appliances" "car" "car"
## [964] "furniture/appliances" "renovations" "furniture/appliances"
## [967] "furniture/appliances" "furniture/appliances" "furniture/appliances"
## [970] "car" "renovations" "car"
## [973] "car" "business" "furniture/appliances"
## [976] "furniture/appliances" "furniture/appliances" "business"
## [979] "car" "car" "furniture/appliances"
## [982] "business" "car" "car"
## [985] "furniture/appliances" "furniture/appliances" "business"
## [988] "furniture/appliances" "car" "furniture/appliances"
## [991] "education" "furniture/appliances" "furniture/appliances"
## [994] "furniture/appliances" "car" "furniture/appliances"
## [997] "car" "furniture/appliances" "furniture/appliances"
## [1000] "car"table(credit$purpose)##
## business car education
## 97 349 59
## furniture/appliances renovations
## 473 22#7
(table(credit$purpose) / length(credit$purpose) *100)##
## business car education
## 9.7 34.9 5.9
## furniture/appliances renovations
## 47.3 2.2mean(credit$purpose %in% c("car", "education")) ## [1] 0.408#8
head(credit)## checking_balance months_loan_duration credit_history
## 1 < 0 DM 6 critical
## 2 1 - 200 DM 48 good
## 3 unknown 12 critical
## 4 < 0 DM 42 good
## 5 < 0 DM 24 poor
## 6 unknown 36 good
## purpose amount savings_balance employment_duration
## 1 furniture/appliances 1169 unknown > 7 years
## 2 furniture/appliances 5951 < 100 DM 1 - 4 years
## 3 education 2096 < 100 DM 4 - 7 years
## 4 furniture/appliances 7882 < 100 DM 4 - 7 years
## 5 car 4870 < 100 DM 1 - 4 years
## 6 education 9055 unknown 1 - 4 years
## percent_of_income years_at_residence age other_credit housing
## 1 4 4 67 none own
## 2 2 2 22 none own
## 3 2 3 49 none own
## 4 2 4 45 none other
## 5 3 4 53 none other
## 6 2 4 35 none other
## existing_loans_count job dependents phone default amount.eur
## 1 2 skilled 1 yes no 584.5
## 2 1 skilled 1 no yes 2975.5
## 3 1 unskilled 2 no no 1048.0
## 4 1 skilled 2 no no 3941.0
## 5 2 skilled 2 no yes 2435.0
## 6 1 unskilled 2 yes no 4527.5credit$credit_history## [1] "critical" "good" "critical" "good" "poor"
## [6] "good" "good" "good" "good" "critical"
## [11] "good" "good" "good" "critical" "good"
## [16] "good" "critical" "perfect" "good" "good"
## [21] "critical" "good" "critical" "critical" "critical"
## [26] "good" "perfect" "very good" "good" "poor"
## [31] "good" "good" "good" "critical" "good"
## [36] "critical" "critical" "good" "good" "good"
## [41] "good" "good" "poor" "critical" "critical"
## [46] "critical" "good" "good" "critical" "good"
## [51] "poor" "poor" "good" "good" "poor"
## [56] "very good" "good" "critical" "good" "critical"
## [61] "good" "critical" "perfect" "perfect" "good"
## [66] "good" "good" "good" "good" "good"
## [71] "good" "critical" "critical" "critical" "good"
## [76] "critical" "good" "poor" "perfect" "good"
## [81] "good" "good" "good" "good" "good"
## [86] "critical" "critical" "good" "good" "perfect"
## [91] "critical" "critical" "critical" "critical" "good"
## [96] "perfect" "critical" "good" "critical" "poor"
## [101] "good" "good" "poor" "critical" "good"
## [106] "critical" "very good" "good" "good" "good"
## [111] "poor" "good" "good" "critical" "good"
## [116] "critical" "good" "critical" "critical" "critical"
## [121] "good" "critical" "good" "critical" "good"
## [126] "critical" "good" "good" "critical" "critical"
## [131] "good" "poor" "good" "good" "good"
## [136] "critical" "poor" "good" "critical" "good"
## [141] "good" "good" "good" "good" "critical"
## [146] "very good" "critical" "critical" "critical" "critical"
## [151] "good" "good" "good" "critical" "poor"
## [156] "good" "critical" "very good" "good" "critical"
## [161] "critical" "critical" "good" "good" "good"
## [166] "good" "good" "good" "good" "critical"
## [171] "perfect" "good" "poor" "good" "poor"
## [176] "very good" "good" "critical" "good" "critical"
## [181] "poor" "poor" "very good" "critical" "critical"
## [186] "critical" "very good" "critical" "good" "perfect"
## [191] "good" "perfect" "good" "good" "good"
## [196] "critical" "critical" "good" "good" "poor"
## [201] "critical" "good" "poor" "good" "critical"
## [206] "critical" "critical" "critical" "good" "good"
## [211] "critical" "good" "perfect" "poor" "critical"
## [216] "critical" "perfect" "good" "good" "good"
## [221] "good" "good" "good" "poor" "good"
## [226] "perfect" "good" "good" "good" "good"
## [231] "good" "good" "good" "good" "critical"
## [236] "good" "good" "good" "critical" "good"
## [241] "good" "good" "perfect" "critical" "very good"
## [246] "good" "critical" "perfect" "good" "good"
## [251] "critical" "good" "good" "poor" "good"
## [256] "poor" "critical" "very good" "good" "critical"
## [261] "good" "good" "critical" "critical" "critical"
## [266] "good" "critical" "good" "good" "good"
## [271] "good" "critical" "very good" "good" "good"
## [276] "good" "critical" "good" "good" "good"
## [281] "critical" "good" "very good" "critical" "critical"
## [286] "good" "good" "poor" "good" "poor"
## [291] "good" "good" "critical" "critical" "critical"
## [296] "good" "good" "good" "good" "critical"
## [301] "good" "perfect" "critical" "critical" "critical"
## [306] "good" "good" "good" "good" "good"
## [311] "good" "good" "good" "good" "good"
## [316] "very good" "good" "good" "critical" "poor"
## [321] "critical" "good" "good" "good" "critical"
## [326] "critical" "critical" "good" "good" "good"
## [331] "critical" "critical" "good" "critical" "perfect"
## [336] "critical" "good" "good" "good" "good"
## [341] "critical" "good" "good" "good" "good"
## [346] "critical" "critical" "good" "poor" "critical"
## [351] "good" "good" "critical" "perfect" "good"
## [356] "good" "critical" "poor" "good" "good"
## [361] "good" "good" "poor" "good" "good"
## [366] "good" "critical" "good" "good" "good"
## [371] "good" "critical" "critical" "critical" "very good"
## [376] "very good" "poor" "poor" "good" "critical"
## [381] "good" "good" "good" "good" "poor"
## [386] "critical" "good" "critical" "critical" "good"
## [391] "good" "good" "good" "critical" "critical"
## [396] "poor" "good" "critical" "good" "critical"
## [401] "good" "critical" "poor" "poor" "poor"
## [406] "good" "critical" "good" "good" "critical"
## [411] "good" "critical" "critical" "good" "good"
## [416] "critical" "good" "poor" "good" "good"
## [421] "good" "good" "critical" "poor" "good"
## [426] "good" "critical" "critical" "good" "critical"
## [431] "good" "good" "critical" "critical" "good"
## [436] "good" "good" "critical" "critical" "very good"
## [441] "good" "good" "poor" "good" "critical"
## [446] "critical" "good" "good" "good" "poor"
## [451] "critical" "good" "perfect" "good" "good"
## [456] "good" "critical" "good" "good" "good"
## [461] "good" "good" "good" "good" "good"
## [466] "good" "poor" "poor" "poor" "poor"
## [471] "good" "good" "good" "good" "critical"
## [476] "perfect" "good" "good" "good" "critical"
## [481] "critical" "good" "good" "poor" "critical"
## [486] "poor" "good" "good" "good" "good"
## [491] "critical" "perfect" "critical" "good" "critical"
## [496] "good" "good" "critical" "good" "critical"
## [501] "good" "good" "good" "critical" "good"
## [506] "good" "critical" "very good" "good" "good"
## [511] "good" "good" "good" "poor" "good"
## [516] "critical" "critical" "critical" "good" "critical"
## [521] "critical" "good" "perfect" "good" "good"
## [526] "good" "critical" "critical" "good" "good"
## [531] "good" "good" "poor" "good" "good"
## [536] "critical" "good" "critical" "good" "good"
## [541] "good" "poor" "good" "good" "critical"
## [546] "poor" "critical" "good" "very good" "critical"
## [551] "critical" "very good" "good" "critical" "good"
## [556] "good" "perfect" "perfect" "very good" "critical"
## [561] "good" "very good" "poor" "good" "poor"
## [566] "poor" "good" "critical" "good" "good"
## [571] "good" "critical" "good" "good" "good"
## [576] "critical" "good" "critical" "critical" "good"
## [581] "critical" "critical" "good" "good" "good"
## [586] "good" "critical" "good" "good" "critical"
## [591] "critical" "poor" "good" "good" "very good"
## [596] "very good" "good" "perfect" "critical" "poor"
## [601] "good" "good" "very good" "good" "good"
## [606] "very good" "critical" "good" "good" "good"
## [611] "good" "good" "good" "very good" "poor"
## [616] "perfect" "poor" "critical" "good" "good"
## [621] "critical" "critical" "good" "good" "good"
## [626] "good" "good" "very good" "critical" "good"
## [631] "good" "very good" "good" "good" "good"
## [636] "good" "good" "poor" "good" "poor"
## [641] "good" "good" "good" "critical" "critical"
## [646] "poor" "perfect" "good" "good" "good"
## [651] "good" "good" "good" "poor" "critical"
## [656] "good" "good" "good" "perfect" "critical"
## [661] "good" "good" "good" "poor" "critical"
## [666] "critical" "very good" "very good" "critical" "critical"
## [671] "critical" "good" "good" "critical" "poor"
## [676] "critical" "critical" "good" "good" "good"
## [681] "good" "good" "poor" "critical" "poor"
## [686] "good" "critical" "poor" "good" "good"
## [691] "critical" "good" "good" "critical" "good"
## [696] "good" "good" "critical" "critical" "good"
## [701] "good" "critical" "good" "poor" "good"
## [706] "good" "good" "perfect" "good" "good"
## [711] "critical" "very good" "good" "critical" "good"
## [716] "critical" "critical" "good" "critical" "perfect"
## [721] "perfect" "very good" "good" "good" "good"
## [726] "critical" "critical" "good" "very good" "critical"
## [731] "poor" "good" "good" "good" "critical"
## [736] "very good" "good" "good" "critical" "perfect"
## [741] "very good" "very good" "good" "very good" "critical"
## [746] "critical" "good" "good" "good" "good"
## [751] "good" "good" "good" "critical" "poor"
## [756] "good" "critical" "critical" "good" "critical"
## [761] "critical" "critical" "good" "critical" "critical"
## [766] "good" "good" "good" "critical" "critical"
## [771] "good" "critical" "critical" "critical" "critical"
## [776] "good" "critical" "good" "critical" "good"
## [781] "critical" "critical" "perfect" "good" "good"
## [786] "good" "good" "critical" "poor" "critical"
## [791] "good" "good" "critical" "good" "good"
## [796] "good" "good" "critical" "poor" "good"
## [801] "critical" "critical" "critical" "critical" "good"
## [806] "good" "good" "critical" "very good" "perfect"
## [811] "good" "good" "critical" "good" "good"
## [816] "poor" "good" "critical" "good" "good"
## [821] "good" "good" "good" "critical" "critical"
## [826] "critical" "critical" "perfect" "good" "poor"
## [831] "poor" "good" "perfect" "good" "good"
## [836] "perfect" "good" "good" "critical" "critical"
## [841] "good" "poor" "good" "very good" "good"
## [846] "good" "good" "good" "good" "good"
## [851] "critical" "critical" "critical" "very good" "poor"
## [856] "good" "good" "critical" "good" "good"
## [861] "critical" "poor" "good" "critical" "good"
## [866] "good" "good" "critical" "good" "good"
## [871] "poor" "critical" "critical" "good" "good"
## [876] "critical" "very good" "good" "good" "critical"
## [881] "good" "good" "critical" "critical" "good"
## [886] "good" "critical" "good" "critical" "very good"
## [891] "critical" "critical" "critical" "critical" "critical"
## [896] "poor" "good" "critical" "good" "good"
## [901] "critical" "critical" "critical" "good" "good"
## [906] "good" "good" "good" "poor" "good"
## [911] "poor" "critical" "good" "good" "very good"
## [916] "perfect" "good" "good" "good" "good"
## [921] "critical" "poor" "good" "good" "very good"
## [926] "very good" "critical" "good" "good" "poor"
## [931] "good" "good" "critical" "critical" "good"
## [936] "poor" "good" "good" "good" "critical"
## [941] "good" "good" "good" "critical" "good"
## [946] "perfect" "very good" "good" "good" "good"
## [951] "critical" "poor" "good" "good" "good"
## [956] "critical" "critical" "critical" "good" "good"
## [961] "critical" "poor" "good" "good" "good"
## [966] "good" "critical" "good" "good" "critical"
## [971] "good" "good" "very good" "good" "critical"
## [976] "good" "good" "poor" "poor" "very good"
## [981] "critical" "good" "good" "good" "critical"
## [986] "critical" "perfect" "good" "good" "critical"
## [991] "critical" "very good" "good" "good" "good"
## [996] "good" "good" "good" "good" "critical"mean(credit$credit_history %in% "good")## [1] 0.53#9
credit$credit_history %in% "critical"## [1] TRUE FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE TRUE FALSE
## [12] FALSE FALSE TRUE FALSE FALSE TRUE FALSE FALSE FALSE TRUE FALSE
## [23] TRUE TRUE TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE
## [34] TRUE FALSE TRUE TRUE FALSE FALSE FALSE FALSE FALSE FALSE TRUE
## [45] TRUE TRUE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE
## [56] FALSE FALSE TRUE FALSE TRUE FALSE TRUE FALSE FALSE FALSE FALSE
## [67] FALSE FALSE FALSE FALSE FALSE TRUE TRUE TRUE FALSE TRUE FALSE
## [78] FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUE TRUE FALSE
## [89] FALSE FALSE TRUE TRUE TRUE TRUE FALSE FALSE TRUE FALSE TRUE
## [100] FALSE FALSE FALSE FALSE TRUE FALSE TRUE FALSE FALSE FALSE FALSE
## [111] FALSE FALSE FALSE TRUE FALSE TRUE FALSE TRUE TRUE TRUE FALSE
## [122] TRUE FALSE TRUE FALSE TRUE FALSE FALSE TRUE TRUE FALSE FALSE
## [133] FALSE FALSE FALSE TRUE FALSE FALSE TRUE FALSE FALSE FALSE FALSE
## [144] FALSE TRUE FALSE TRUE TRUE TRUE TRUE FALSE FALSE FALSE TRUE
## [155] FALSE FALSE TRUE FALSE FALSE TRUE TRUE TRUE FALSE FALSE FALSE
## [166] FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE
## [177] FALSE TRUE FALSE TRUE FALSE FALSE FALSE TRUE TRUE TRUE FALSE
## [188] TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUE TRUE FALSE
## [199] FALSE FALSE TRUE FALSE FALSE FALSE TRUE TRUE TRUE TRUE FALSE
## [210] FALSE TRUE FALSE FALSE FALSE TRUE TRUE FALSE FALSE FALSE FALSE
## [221] FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE
## [232] FALSE FALSE FALSE TRUE FALSE FALSE FALSE TRUE FALSE FALSE FALSE
## [243] FALSE TRUE FALSE FALSE TRUE FALSE FALSE FALSE TRUE FALSE FALSE
## [254] FALSE FALSE FALSE TRUE FALSE FALSE TRUE FALSE FALSE TRUE TRUE
## [265] TRUE FALSE TRUE FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE
## [276] FALSE TRUE FALSE FALSE FALSE TRUE FALSE FALSE TRUE TRUE FALSE
## [287] FALSE FALSE FALSE FALSE FALSE FALSE TRUE TRUE TRUE FALSE FALSE
## [298] FALSE FALSE TRUE FALSE FALSE TRUE TRUE TRUE FALSE FALSE FALSE
## [309] FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUE
## [320] FALSE TRUE FALSE FALSE FALSE TRUE TRUE TRUE FALSE FALSE FALSE
## [331] TRUE TRUE FALSE TRUE FALSE TRUE FALSE FALSE FALSE FALSE TRUE
## [342] FALSE FALSE FALSE FALSE TRUE TRUE FALSE FALSE TRUE FALSE FALSE
## [353] TRUE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE
## [364] FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE TRUE TRUE TRUE
## [375] FALSE FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE
## [386] TRUE FALSE TRUE TRUE FALSE FALSE FALSE FALSE TRUE TRUE FALSE
## [397] FALSE TRUE FALSE TRUE FALSE TRUE FALSE FALSE FALSE FALSE TRUE
## [408] FALSE FALSE TRUE FALSE TRUE TRUE FALSE FALSE TRUE FALSE FALSE
## [419] FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE TRUE TRUE FALSE
## [430] TRUE FALSE FALSE TRUE TRUE FALSE FALSE FALSE TRUE TRUE FALSE
## [441] FALSE FALSE FALSE FALSE TRUE TRUE FALSE FALSE FALSE FALSE TRUE
## [452] FALSE FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE
## [463] FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE
## [474] FALSE TRUE FALSE FALSE FALSE FALSE TRUE TRUE FALSE FALSE FALSE
## [485] TRUE FALSE FALSE FALSE FALSE FALSE TRUE FALSE TRUE FALSE TRUE
## [496] FALSE FALSE TRUE FALSE TRUE FALSE FALSE FALSE TRUE FALSE FALSE
## [507] TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUE TRUE
## [518] TRUE FALSE TRUE TRUE FALSE FALSE FALSE FALSE FALSE TRUE TRUE
## [529] FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUE FALSE TRUE FALSE
## [540] FALSE FALSE FALSE FALSE FALSE TRUE FALSE TRUE FALSE FALSE TRUE
## [551] TRUE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE TRUE FALSE
## [562] FALSE FALSE FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE TRUE
## [573] FALSE FALSE FALSE TRUE FALSE TRUE TRUE FALSE TRUE TRUE FALSE
## [584] FALSE FALSE FALSE TRUE FALSE FALSE TRUE TRUE FALSE FALSE FALSE
## [595] FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE
## [606] FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE
## [617] FALSE TRUE FALSE FALSE TRUE TRUE FALSE FALSE FALSE FALSE FALSE
## [628] FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE
## [639] FALSE FALSE FALSE FALSE FALSE TRUE TRUE FALSE FALSE FALSE FALSE
## [650] FALSE FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE TRUE
## [661] FALSE FALSE FALSE FALSE TRUE TRUE FALSE FALSE TRUE TRUE TRUE
## [672] FALSE FALSE TRUE FALSE TRUE TRUE FALSE FALSE FALSE FALSE FALSE
## [683] FALSE TRUE FALSE FALSE TRUE FALSE FALSE FALSE TRUE FALSE FALSE
## [694] TRUE FALSE FALSE FALSE TRUE TRUE FALSE FALSE TRUE FALSE FALSE
## [705] FALSE FALSE FALSE FALSE FALSE FALSE TRUE FALSE FALSE TRUE FALSE
## [716] TRUE TRUE FALSE TRUE FALSE FALSE FALSE FALSE FALSE FALSE TRUE
## [727] TRUE FALSE FALSE TRUE FALSE FALSE FALSE FALSE TRUE FALSE FALSE
## [738] FALSE TRUE FALSE FALSE FALSE FALSE FALSE TRUE TRUE FALSE FALSE
## [749] FALSE FALSE FALSE FALSE FALSE TRUE FALSE FALSE TRUE TRUE FALSE
## [760] TRUE TRUE TRUE FALSE TRUE TRUE FALSE FALSE FALSE TRUE TRUE
## [771] FALSE TRUE TRUE TRUE TRUE FALSE TRUE FALSE TRUE FALSE TRUE
## [782] TRUE FALSE FALSE FALSE FALSE FALSE TRUE FALSE TRUE FALSE FALSE
## [793] TRUE FALSE FALSE FALSE FALSE TRUE FALSE FALSE TRUE TRUE TRUE
## [804] TRUE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE TRUE FALSE
## [815] FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE TRUE TRUE
## [826] TRUE TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE
## [837] FALSE FALSE TRUE TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE
## [848] FALSE FALSE FALSE TRUE TRUE TRUE FALSE FALSE FALSE FALSE TRUE
## [859] FALSE FALSE TRUE FALSE FALSE TRUE FALSE FALSE FALSE TRUE FALSE
## [870] FALSE FALSE TRUE TRUE FALSE FALSE TRUE FALSE FALSE FALSE TRUE
## [881] FALSE FALSE TRUE TRUE FALSE FALSE TRUE FALSE TRUE FALSE TRUE
## [892] TRUE TRUE TRUE TRUE FALSE FALSE TRUE FALSE FALSE TRUE TRUE
## [903] TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUE FALSE
## [914] FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE
## [925] FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE TRUE TRUE FALSE
## [936] FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE TRUE FALSE FALSE
## [947] FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE TRUE TRUE
## [958] TRUE FALSE FALSE TRUE FALSE FALSE FALSE FALSE FALSE TRUE FALSE
## [969] FALSE TRUE FALSE FALSE FALSE FALSE TRUE FALSE FALSE FALSE FALSE
## [980] FALSE TRUE FALSE FALSE FALSE TRUE TRUE FALSE FALSE FALSE TRUE
## [991] TRUE FALSE FALSE FALSE FALSE FALSE FALSE FALSE FALSE TRUEmedian (credit$amount.eur [credit$credit_history == "critical" ])## [1] 1090.5median (credit$amount.eur [credit$credit_history == "good" ])## [1] 1108.75#10
head(credit)## checking_balance months_loan_duration credit_history
## 1 < 0 DM 6 critical
## 2 1 - 200 DM 48 good
## 3 unknown 12 critical
## 4 < 0 DM 42 good
## 5 < 0 DM 24 poor
## 6 unknown 36 good
## purpose amount savings_balance employment_duration
## 1 furniture/appliances 1169 unknown > 7 years
## 2 furniture/appliances 5951 < 100 DM 1 - 4 years
## 3 education 2096 < 100 DM 4 - 7 years
## 4 furniture/appliances 7882 < 100 DM 4 - 7 years
## 5 car 4870 < 100 DM 1 - 4 years
## 6 education 9055 unknown 1 - 4 years
## percent_of_income years_at_residence age other_credit housing
## 1 4 4 67 none own
## 2 2 2 22 none own
## 3 2 3 49 none own
## 4 2 4 45 none other
## 5 3 4 53 none other
## 6 2 4 35 none other
## existing_loans_count job dependents phone default amount.eur
## 1 2 skilled 1 yes no 584.5
## 2 1 skilled 1 no yes 2975.5
## 3 1 unskilled 2 no no 1048.0
## 4 1 skilled 2 no no 3941.0
## 5 2 skilled 2 no yes 2435.0
## 6 1 unskilled 2 yes no 4527.5cor(credit$age,credit$amount.eur)## [1] 0.03271642median (credit$age)## [1] 33mean (credit$amount.eur[credit$age > median(credit$age)])## [1] 1677.155mean (credit$amount.eur[credit$age < median(credit$age)])## [1] 1614.921#11
head(credit)## checking_balance months_loan_duration credit_history
## 1 < 0 DM 6 critical
## 2 1 - 200 DM 48 good
## 3 unknown 12 critical
## 4 < 0 DM 42 good
## 5 < 0 DM 24 poor
## 6 unknown 36 good
## purpose amount savings_balance employment_duration
## 1 furniture/appliances 1169 unknown > 7 years
## 2 furniture/appliances 5951 < 100 DM 1 - 4 years
## 3 education 2096 < 100 DM 4 - 7 years
## 4 furniture/appliances 7882 < 100 DM 4 - 7 years
## 5 car 4870 < 100 DM 1 - 4 years
## 6 education 9055 unknown 1 - 4 years
## percent_of_income years_at_residence age other_credit housing
## 1 4 4 67 none own
## 2 2 2 22 none own
## 3 2 3 49 none own
## 4 2 4 45 none other
## 5 3 4 53 none other
## 6 2 4 35 none other
## existing_loans_count job dependents phone default amount.eur
## 1 2 skilled 1 yes no 584.5
## 2 1 skilled 1 no yes 2975.5
## 3 1 unskilled 2 no no 1048.0
## 4 1 skilled 2 no no 3941.0
## 5 2 skilled 2 no yes 2435.0
## 6 1 unskilled 2 yes no 4527.5credit$default [credit$savings_balance < 100]## [1] "yes" "no" "no" "yes" "no" "no" "yes" "yes" "yes" "no" "yes"
## [12] "no" "yes" "no" "no" "no" "no" "no" "no" "yes" "no" "no"
## [23] "no" "yes" "no" "yes" "no" "no" "no" "yes" "no" "no" "no"
## [34] "no" "yes" "no" "no" "yes" "no" "yes" "yes" "no" "no" "no"
## [45] "yes" "no" "no" "no" "no" "yes" "no" "no" "no" "no" "no"
## [56] "no" "yes" "no" "no" "no" "yes" "no" "no" "no" "no" "yes"
## [67] "yes" "no" "no" "no" "yes" "yes" "no" "no" "no" "no" "no"
## [78] "yes" "no" "yes" "yes" "no" "no" "no" "no" "no" "no" "no"
## [89] "yes" "no" "no" "no" "no" "no" "no" "no" "yes" "no" "no"
## [100] "no" "yes" "no" "no" "yes" "yes" "no" "yes" "no" "yes" "no"
## [111] "no" "no" "yes" "yes" "no" "yes" "no" "yes" "no" "no" "yes"
## [122] "yes" "no" "yes" "no" "yes" "no" "no" "yes" "no" "no" "no"
## [133] "no" "no" "no" "yes" "yes" "no" "no" "no" "no" "no" "no"
## [144] "no" "no" "yes" "yes" "yes" "no" "yes" "no" "no" "yes" "no"
## [155] "no" "no" "yes" "no" "no" "no" "no" "yes" "no" "no" "yes"
## [166] "no" "yes" "no" "no" "no" "no" "no" "yes" "no" "yes" "yes"
## [177] "yes" "no" "no" "yes" "no" "no" "no" "no" "no" "yes" "no"
## [188] "yes" "no" "no" "yes" "no" "no" "no" "yes" "no" "no" "yes"
## [199] "no" "no" "yes" "yes" "no" "no" "no" "yes" "yes" "no" "no"
## [210] "no" "no" "no" "no" "no" "no" "yes" "yes" "no" "no" "no"
## [221] "no" "no" "no" "no" "no" "no" "yes" "no" "yes" "yes" "yes"
## [232] "yes" "no" "yes" "no" "no" "yes" "no" "no" "no" "yes" "no"
## [243] "no" "no" "yes" "no" "yes" "yes" "no" "no" "no" "no" "no"
## [254] "no" "no" "no" "no" "no" "no" "yes" "no" "no" "yes" "no"
## [265] "yes" "no" "no" "no" "yes" "no" "yes" "no" "no" "no" "no"
## [276] "no" "no" "yes" "no" "yes" "no" "no" "no" "no" "no" "yes"
## [287] "no" "no" "no" "yes" "yes" "yes" "no" "yes" "no" "no" "no"
## [298] "yes" "no" "no" "yes" "no" "no" "no" "no" "no" "no" "no"
## [309] "yes" "no" "no" "yes" "yes" "yes" "yes" "no" "no" "no" "no"
## [320] "no" "no" "yes" "no" "no" "no" "no" "yes" "no" "no" "no"
## [331] "yes" "no" "yes" "no" "yes" "no" "no" "no" "no" "no" "yes"
## [342] "no" "yes" "yes" "no" "no" "no" "yes" "no" "no" "no" "yes"
## [353] "no" "yes" "no" "yes" "no" "yes" "no" "yes" "no" "no" "yes"
## [364] "yes" "no" "yes" "yes" "yes" "yes" "no" "yes" "no" "yes" "yes"
## [375] "no" "no" "no" "no" "no" "yes" "no" "yes" "no" "no" "yes"
## [386] "yes" "no" "no" "yes" "yes" "no" "no" "yes" "yes" "yes" "yes"
## [397] "no" "no" "yes" "yes" "yes" "no" "no" "no" "no" "no" "yes"
## [408] "no" "no" "no" "yes" "no" "yes" "no" "no" "yes" "yes" "yes"
## [419] "no" "no" "no" "yes" "yes" "no" "no" "no" "no" "yes" "yes"
## [430] "no" "yes" "yes" "no" "no" "yes" "no" "no" "no" "no" "no"
## [441] "no" "no" "no" "no" "yes" "no" "no" "no" "no" "no" "no"
## [452] "no" "no" "no" "no" "no" "no" "no" "no" "no" "no" "yes"
## [463] "no" "yes" "no" "no" "yes" "no" "yes" "no" "yes" "yes" "yes"
## [474] "yes" "no" "yes" "yes" "no" "no" "yes" "no" "no" "no" "yes"
## [485] "no" "no" "no" "no" "yes" "no" "no" "yes" "no" "yes" "no"
## [496] "no" "yes" "yes" "no" "no" "yes" "no" "no" "yes" "no" "no"
## [507] "no" "no" "no" "yes" "no" "no" "no" "yes" "yes" "yes" "no"
## [518] "no" "no" "no" "no" "yes" "no" "no" "yes" "no" "no" "yes"
## [529] "yes" "yes" "no" "no" "no" "yes" "no" "no" "yes" "no" "no"
## [540] "no" "yes" "yes" "yes" "yes" "yes" "yes" "no" "no" "no" "yes"
## [551] "no" "yes" "no" "no" "no" "no" "yes" "yes" "no" "yes" "no"
## [562] "no" "yes" "no" "yes" "yes" "no" "yes" "no" "no" "no" "no"
## [573] "no" "no" "no" "no" "yes" "no" "no" "yes" "yes" "yes" "no"
## [584] "no" "no" "no" "no" "no" "no" "yes" "yes" "no" "no" "no"
## [595] "no" "yes" "no" "yes" "yes" "yes" "yes" "no" "yes" "no" "yes"
## [606] "yes" "no" "yes" "no" "no" "yes" "no" "no" "yes" "no" "yes"
## [617] "no" "no" "no" "yes" "no" "yes" "yes" "no" "no" "no" "yes"
## [628] "no" "no" "no" "no" "no" "no" "yes" "yes" "no" "no" "yes"
## [639] "yes" "yes" "yes" "no" "no" "no" "no" "no" "no" "no" "no"
## [650] "no" "yes"table (credit$default [credit$savings_balance < 100])##
## no yes
## 428 223credit$default [credit$savings_balance > 500]## [1] "no" "no" "no" "no" "no" "no" "no" "no" "no" "no" "no"
## [12] "no" "no" "no" "no" "no" "yes" "no" "no" "no" "no" "yes"
## [23] "no" "yes" "no" "yes" "no" "no" "no" "no" "no" "no" "no"
## [34] "no" "yes" "no" "yes" "no" "yes" "no" "no" "yes" "no" "no"
## [45] "no" "no" "no" "yes" "no" "yes" "no" "no" "no" "no" "no"
## [56] "no" "no" "no" "no" "yes" "yes" "no" "no" "no" "no" "no"
## [67] "no" "no" "no" "no" "no" "no" "no" "no" "no" "yes" "yes"
## [78] "no" "no" "no" "no" "no" "yes" "no" "no" "no" "no" "no"
## [89] "no" "no" "no" "no" "no" "no" "no" "no" "no" "no" "no"
## [100] "no" "no" "yes" "no" "yes" "no" "no" "yes" "no" "yes" "yes"
## [111] "no" "no" "no" "no" "no" "no" "no" "no" "no" "no" "yes"
## [122] "yes" "no" "no" "no" "no" "no" "yes" "no" "no" "no" "yes"
## [133] "no" "yes" "no" "no" "no" "no" "no" "no" "yes" "no" "no"
## [144] "no" "no" "yes" "no" "no" "no" "no" "no" "yes" "yes" "no"
## [155] "yes" "no" "yes" "no" "no" "no" "no" "no" "yes" "no" "no"
## [166] "no" "no" "no" "no" "no" "no" "no" "no" "no" "no" "no"
## [177] "yes" "yes" "no" "yes" "no" "no" "no" "yes" "no" "no" "no"
## [188] "no" "no" "no" "yes" "no" "no" "no" "no" "no" "no" "yes"
## [199] "no" "no" "no" "no" "no" "yes" "no" "no" "no" "no" "no"
## [210] "no" "no" "no" "no" "no" "no" "no" "no" "no" "no" "no"
## [221] "no" "no" "no" "no" "no" "no" "no" "no" "no" "no" "no"
## [232] "no" "yes" "no" "yes" "no" "no" "yes" "no" "yes" "no" "no"
## [243] "no" "no" "no" "no"table (credit$default [credit$savings_balance > 500])##
## no yes
## 203 43#12
mean(credit$amount.eur[credit$credit_history == "poor"])## [1] 2151.301mean(credit$amount.eur[credit$credit_history == "good"])## [1] 1520.479#13You can also embed plots, for example:
Note that the echo = FALSE parameter was added to the code chunk to prevent printing of the R code that generated the plot.