Variable

Description

Categories

Score

rel. frequency
in % for

good
credits

bad
credits

kredit

Creditability:
1 : credit-worthy
0 : not credit-worthy

laufkont

Balance of current account

no balance or debit

2

35.00

23.43

0 <= ... < 200 DM

3

4.67

7.00

... >= 200 DM or checking account for at least 1 year

4

15.33

49.71

no running account

1

45.00

19.86

laufzeit

Duration in months (metric)

dlaufzeit

Duration in months (categorized)

<=6

10

3.00

10.43

6 < ... <= 12

9

22.33

30.00

12 < ... <= 18

8

18.67

18.71

18 < ... <= 24

7

22.00

22.57

24 < ... <= 30

6

6.33

5.43

30 < ... <= 36

5

12.67

6.86

36 < ... <= 42

4

1.67

1.71

42 < ... <= 48

3

10.67

3.14

48 < ... <= 54

2

0.33

0.14

> 54

1

2.33

1.00

moral

Payment of previous credits

no previous credits / paid back all previous credits

2

56.33

51.57

paid back previous credits at this bank

4

16.67

34.71

no problems with current credits at this bank

3

9.33

8.57

hesitant payment of previous credits

0

8.33

2.14

problematic running account / there are further credits running but at other banks

1

9.33

3.00

verw

Purpose of credit

new car

1

5.67

12.29

used car

2

19.33

17.57

items of furniture

3

20.67

31.14

radio / television

4

1.33

1.14

household appliances

5

2.67

2.00

repair

6

7.33

4.00

education

7

0.00

0.00

vacation

8

0.33

1.14

retraining

9

11.33

9.00

business

10

1.67

1.00

other

0

29.67

20.71

Hoehe
(Credit)

Amount of credit in "Deutsche Mark" (metric)

dhoehe

Amount of credit in DM (categorized)

<=500

10

1.00

2.14

500 < ... <= 1000

9

11.33

9.14

1000 < ... <= 1500

8

17.00

19.86

1500 < ... <= 2500

7

19.67

24.57

2500 < ... <= 5000

6

25.00

28.57

5000 < ... <= 7500

5

11.33

9.71

7500 < ... <= 10000

4

6.67

3.71

10000 < ... <= 15000

3

7.00

2.00

15000 < ... <= 20000

2

1.00

0.29

> 20000

1

0.00

0.00

sparkont

Value of savings or stocks

< 100,- DM

2

11.33

9.86

100,- <= ... < 500,- DM

3

3.67

7.43

500,- <= ... < 1000,- DM

4

2.00

6.00

>= 1000,- DM

5

10.67

21.57

not available / no savings

1

72.33

55.14

beszeit

Has been employed by current employer for

unemployed

1

7.67

5.57

<= 1 year

2

23.33

14.57

1 <= ... < 4 years

3

34.67

33.57

4 <= ... < 7 years

4

13.00

19.29

>= 7 years

5

21.33

27.00

rate

Instalment in % of available income

>= 35

1

11.33

14.57

25 <= ... < 35

2

20.67

24.14

20 <= ... < 25

3

15.00

16.00

< 20

4

53.00

45.29

famges

Marital Status / Sex

male: divorced / living apart

1

6.67

4.29

male: single

2

36.33

28.72

male: married / widowed

3

48.67

57.43

female:

4

8.33

9.57

buerge

Further debtors / Guarantors

none

1

90.67

90.71

Co-Applicant

2

6.00

3.29

Guarantor

3

3.33

6.00

wohnzeit

Living in current household for

< 1 year

1

12.00

13.43

1 <= ... < 4 years

2

32.33

30.14

4 <= ... < 7 years

3

14.33

15.14

>= 7 years

4

41.33

41.29

verm

Most valuable available assets

Ownership of house or land

4

22.33

12.43

Savings contract with a building society / Life insurance

3

34.00

32.86

Car / Other

2

23.67

23.00

not available / no assets

1

20.00

31.71

alter

Age in years (metric)

dalter

Age in years (categorized)

0 <= ... <= 25

1

26.67

15.71

26 <= ... <= 39

2

47.33

52.72

40 <= ... <= 59

3

21.67

26.14

60 <= ... <= 64

5

2.33

3.00

>= 65

4

2.00

2.43

weitkred

Further running credits

at other banks

1

19.00

11.71

at department store or mail order house

2

6.33

4.00

no further running credits

3

74.67

84.29

wohn

Type of apartment

rented flat

2

62.00

75.43

owner-occupied flat

3

14.67

9.14

free apartment

1

23.33

15.57

bishkred

Number of previous credits at this bank (including the running one)

one

1

66.67

61.86

two or three

2

30.67

34.43

four or five

3

2.00

3.14

six or more

4

0.67

0.57

beruf

Occupation

unemployed / unskilled with no permanent residence

1

2.33

2.14

unskilled with permanent residence

2

18.67

20.57

skilled worker / skilled employee / minor civil servant

3

62.00

63.43

executive / self-employed / higher civil servant

4

17.00

13.86

pers

Number of persons entitled to maintenance

0 to 2

2

84.67

84.43

3 and more

1

15.33

15.57

telef

Telephone

no

1

62.33

58.43

yes

2

37.67

41.57

gastarb

Foreign worker

yes

1

1.33

4.71

no

2

98.67

95.29