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