Var. # | Variable name | Description | Variable type |
1 | Branch (BV, CB, CF, CH, CY, DM, GV, JM, JR, MB, OUA, PG, PP, PV, RD, SM) | Branch where the loans were granted. | Categorical |
2 | Gender (female, male) | Sex of the client. | Categorical |
3 | Marital status (Divorced, living with partner, married, single) | Set of indicators that stand for the marital status of the client. | Categorical |
4 | Education Level (None, primary, secondary, technical, higher) | Indicates the education level reached by the client. | Categorical |
5 | Economic sector (Trade, service, production) | The economic sector in which the client is occupied. | Categorical |
6 | Activity type (Sundries, food supplies, restaurant, new clothes, used clothes, soft drinks, building materials, shoes, other) | Indicates the economic activity in which the client evolves. | Categorical |
7 | Phone number (One, two and more) | Indicates the quantity of phone numbers the client owns. | Categorical |
8 | Local enterprise type (Rent, ownership with debt, paid ownership, with others, other) | Set of indicator variables stand for client’s current situation regarding the ownership of the business local. | Categorical |
9 | Local residence type (Rent, ownership with debt, paid ownership, with others, other) | Set of indicator variables stand for client’s current situation regarding the ownership of the house where s/he lives. | Categorical |
10 | Sogesol Awareness (Advertising, information session, recommendation, segment visit, other) | Set of indicator variables stand for the way the client is informed about Sogesol. | Categorical |
11 | Credit experience (Yes, no) | Indicates if the client has credit experience, besides the loan s/he requests. | Binary |
12 | Bank account (Yes, no) | Indicates if the client owns a bank account or not. | Binary |
13 | Sogebank savings account (Yes, no) | Indicates if the client has a savings account at Sogebank (Sogesol’s parent company) | Binary |