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 |