14

Client reference (Friend, neighbor, parent, other)

Set of indicator variables that stand for the origin of testimony given about the client.

Categorical

15

Origin of other income (None, local, rent, other enterprise, remittance, salary, other)

Set of indicator variables that stand for the origin of client’s other incomes.

Categorical

16

Monthly Income (≤500; [500, 1000]; [1000, 2000]; 2000<)

Set of indicator variables that stand for the range of monthly incomes generated by client’s business in US$.

Categorical

17

Monthly sales (≤2500; [2500, 4000]; [4000, 7500]; 7500<)

Set of indicator variables that stand for the range of monthly sales realized by client’s business in US $.

Categorical

18

Age (≤30; [30, 40]; [40, 50]; 50<)

Age of the client measured in years.

Categorical

19

Number of dependents (≤1; [1, 2]; [2, 3]; 3<)

Number of persons the client is financially responsible for.

Categorical

20

Enterprise since (≤36; [36, 72]; [72, 120]; 120<)

Set of indicator variables that stand for the range of the time of existence of client’s enterprise in month. It indicates the experience of the client as entrepreneur.

Categorical

21

Present residence since(≤36; [36, 66]; [66, 120]; 120<)

Set of indicator variables that stand for the range of the time that the client lives at the current residence in months.

Categorical

22

Present enterprise since (≤36; [36, 66]; [66, 120]; 120<)

Set of indicator variables that stand for the range of the time that the client owns his/her current business in months.

Categorical

23

Over 90 Days past due after 9 Months On Book (DPD90MOB9)

Indicator variable that marks 1 when the client has more than 90 days after 9 months on books, and 0 if otherwise.

Binary