SaggrahaKMeans.

R
him26

2021-08-20
library("ggplot2")
library("dplyr")

##
## Attaching package: 'dplyr'

## The following objects are masked from 'package:stats':

##
## filter, lag

## The following objects are masked from 'package:base':

##
## intersect, setdiff, setequal, union

library("ggfortify")

library(readxl)
data1 <-
read_excel("C:/Users/him26/Downloads/Saggraha/SaggrahaDataClustering.xlsm")
View(data1)
summary(data1)

## 1. Survey Number: 4. Borrower Name: 5. Branch Name 6. Customer Id:

## Min. : 1.00 Length:358 Length:358 Length:358

## 1st Qu.: 90.25 Class :character Class :character Class :character

## Median :179.50 Mode :character Mode :character Mode :character

## Mean :179.50

## 3rd Qu.:268.75

## Max. :358.00

## 7. Loan Id: 9. Respondent Name: 10. Household head name:

## Length:358 Length:358 Length:358
## Class :character Class :character Class :character
## Mode :character Mode :character Mode :character
##
##
##
## 12. Relation of respondent with household head
## Length:358
## Class :character
## Mode :character
##
##
##
## 22. Are you currently borrowing from another source
## Min. :0.000
## 1st Qu.:0.000
## Median :0.000
## Mean :0.405
## 3rd Qu.:1.000
## Max. :1.000
## 23.5 How does the amount your household spent on school and school
expenses for this current school year compare to what you spent last school
year
## Min. :-1.0000

## 1st Qu.:-1.0000

## Median : 0.0000

## Mean :-0.2374

## 3rd Qu.: 0.0000

## Max. : 1.0000

## 24. Did you invest any of the last loan you took from the program into an
income-generating activity
## Min. :0.000

## 1st Qu.:0.000

## Median :1.500

## Mean :1.042

## 3rd Qu.:2.000

## Max. :2.000

## 25. Over the last 12 months, has the household income you have been able
to earn.
## Min. :-2.0000

## 1st Qu.:-1.0000
## Median :-1.0000

## Mean :-0.7067

## 3rd Qu.: 0.0000

## Max. : 2.0000

## 32.1. Do you feel that productivity has increased after taking loan from
Saggraha MFI
## Min. :-1.0000

## 1st Qu.: 1.0000

## Median : 1.0000

## Mean : 0.9022

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.2. Do you feel that quality of life has improved after taking loan
from Saggraha MFI:
## Min. :-2.0000

## 1st Qu.: 1.0000

## Median : 1.0000

## Mean : 0.8994

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.3. Do you feel yourself more financially secure after taking loan from
Saggraha MFI:
## Min. :-2.000

## 1st Qu.: 1.000

## Median : 1.000

## Mean : 0.824

## 3rd Qu.: 1.000

## Max. : 2.000

## 32.4. Do you feel yourself and household members more healthy due to
better food and hygienic living conditions due to increase in income after
taking loan from Saggraha MFI
## Min. :-2.0000

## 1st Qu.: 1.0000

## Median : 1.0000

## Mean : 0.8492

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.5. Do you feel you have better coping capacity during emergency after
taking loan from Saggraha MFI:
## Min. :-1.0000

## 1st Qu.: 0.0000

## Median : 1.0000

## Mean : 0.6927

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.6. Do you feel your overall peace of mind has improved due to loan
provided by Saggraha MFI:
## Min. :-2.0000

## 1st Qu.: 0.0000

## Median : 1.0000

## Mean : 0.6732

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 34.1. Lower interest rate than other informal sources of credit (informal
lenders)
## Min. :-2.0000

## 1st Qu.: 0.0000

## Median : 1.0000

## Mean : 0.6257

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 34.2. Steady source of working capital

## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.5531
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.3. Group solidarity and/or group dynamics
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6453
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.4. Training or technical assistance
## Min. :-1.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6397
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.5. Other financial services, such as savings or insurance
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.7179
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.6. Efficiency, compared to banks or other sources
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6453
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.7. Easier guarantees than loan alternatives
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.5196
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.8. High interest rates or charges
## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 1.0000
## Mean : 0.3464
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.9. Size of initial or subsequent loans too small 34.10. Loan cycle too
long
## Min. :-2.0000 Min. :-2.00000

## 1st Qu.: 0.0000 1st Qu.:-1.00000

## Median : 1.0000 Median : 0.00000

## Mean : 0.3799 Mean : 0.05307

## 3rd Qu.: 1.0000 3rd Qu.: 1.00000

## Max. : 2.0000 Max. : 2.00000

## 34.11. Loan cycle too short

## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 0.0000
## Mean : 0.1536
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.12. Problematic group dynamics (with leaders or at meetings)
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.3966
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.13. Meeting frequency too often or meetings too long
## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 0.0000
## Mean : 0.1872
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.14. Meeting place/ office not convenient
## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 0.0000
## Mean : 0.1006
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.15. Repayment policies suitability (frequency, amount)
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.5726
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.16. Insurance policies suitability (Claim settlement)
## Min. :-1.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6927
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.17. Low Transaction costs for client (such as slow disbursement, more
time consuming)
## Min. :-2.0000

## 1st Qu.:-1.0000

## Median : 1.0000

## Mean : 0.3631

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 34.18.Dislike behavior/ attitude of loan officer or other program

personnel
## Min. :-2.00000

## 1st Qu.:-1.00000

## Median : 0.00000

## Mean : 0.00838

## 3rd Qu.: 1.00000

## Max. : 2.00000

data2 <- select(data1, c(9:36))

summary(data2)
## 22. Are you currently borrowing from another source
## Min. :0.000
## 1st Qu.:0.000
## Median :0.000
## Mean :0.405
## 3rd Qu.:1.000
## Max. :1.000
## 23.5 How does the amount your household spent on school and school
expenses for this current school year compare to what you spent last school
year
## Min. :-1.0000

## 1st Qu.:-1.0000

## Median : 0.0000

## Mean :-0.2374

## 3rd Qu.: 0.0000

## Max. : 1.0000

## 24. Did you invest any of the last loan you took from the program into an
income-generating activity
## Min. :0.000

## 1st Qu.:0.000

## Median :1.500

## Mean :1.042

## 3rd Qu.:2.000

## Max. :2.000

## 25. Over the last 12 months, has the household income you have been able
to earn.
## Min. :-2.0000

## 1st Qu.:-1.0000

## Median :-1.0000

## Mean :-0.7067

## 3rd Qu.: 0.0000

## Max. : 2.0000

## 32.1. Do you feel that productivity has increased after taking loan from
Saggraha MFI
## Min. :-1.0000

## 1st Qu.: 1.0000

## Median : 1.0000

## Mean : 0.9022

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.2. Do you feel that quality of life has improved after taking loan
from Saggraha MFI:
## Min. :-2.0000

## 1st Qu.: 1.0000

## Median : 1.0000

## Mean : 0.8994

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.3. Do you feel yourself more financially secure after taking loan from
Saggraha MFI:
## Min. :-2.000

## 1st Qu.: 1.000

## Median : 1.000

## Mean : 0.824

## 3rd Qu.: 1.000

## Max. : 2.000

## 32.4. Do you feel yourself and household members more healthy due to
better food and hygienic living conditions due to increase in income after
taking loan from Saggraha MFI
## Min. :-2.0000
## 1st Qu.: 1.0000

## Median : 1.0000

## Mean : 0.8492

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.5. Do you feel you have better coping capacity during emergency after
taking loan from Saggraha MFI:
## Min. :-1.0000

## 1st Qu.: 0.0000

## Median : 1.0000

## Mean : 0.6927

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 32.6. Do you feel your overall peace of mind has improved due to loan
provided by Saggraha MFI:
## Min. :-2.0000

## 1st Qu.: 0.0000

## Median : 1.0000

## Mean : 0.6732

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 34.1. Lower interest rate than other informal sources of credit (informal
lenders)
## Min. :-2.0000

## 1st Qu.: 0.0000

## Median : 1.0000

## Mean : 0.6257
## 3rd Qu.: 1.0000

## Max. : 2.0000

## 34.2. Steady source of working capital

## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.5531
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.3. Group solidarity and/or group dynamics
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6453
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.4. Training or technical assistance
## Min. :-1.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6397
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.5. Other financial services, such as savings or insurance
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.7179
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.6. Efficiency, compared to banks or other sources
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6453
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.7. Easier guarantees than loan alternatives
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.5196
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.8. High interest rates or charges
## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 1.0000
## Mean : 0.3464
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.9. Size of initial or subsequent loans too small 34.10. Loan cycle too
long
## Min. :-2.0000 Min. :-2.00000

## 1st Qu.: 0.0000 1st Qu.:-1.00000

## Median : 1.0000 Median : 0.00000

## Mean : 0.3799 Mean : 0.05307

## 3rd Qu.: 1.0000 3rd Qu.: 1.00000

## Max. : 2.0000 Max. : 2.00000

## 34.11. Loan cycle too short

## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 0.0000
## Mean : 0.1536
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.12. Problematic group dynamics (with leaders or at meetings)
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.3966
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.13. Meeting frequency too often or meetings too long
## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 0.0000
## Mean : 0.1872
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.14. Meeting place/ office not convenient
## Min. :-2.0000
## 1st Qu.:-1.0000
## Median : 0.0000
## Mean : 0.1006
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.15. Repayment policies suitability (frequency, amount)
## Min. :-2.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.5726
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.16. Insurance policies suitability (Claim settlement)
## Min. :-1.0000
## 1st Qu.: 0.0000
## Median : 1.0000
## Mean : 0.6927
## 3rd Qu.: 1.0000
## Max. : 2.0000
## 34.17. Low Transaction costs for client (such as slow disbursement, more
time consuming)
## Min. :-2.0000

## 1st Qu.:-1.0000

## Median : 1.0000

## Mean : 0.3631

## 3rd Qu.: 1.0000

## Max. : 2.0000

## 34.18.Dislike behavior/ attitude of loan officer or other program

personnel
## Min. :-2.00000

## 1st Qu.:-1.00000

## Median : 0.00000

## Mean : 0.00838

## 3rd Qu.: 1.00000

## Max. : 2.00000

kmean_withinss <- function(k) {

cluster <- kmeans(data2, k)
return (cluster$tot.withinss)
}

#kmean_withinss(2)

max_k <-20
# Run algorithm over a range of k
wss <- sapply(2:max_k, kmean_withinss)

elbow <-data.frame(2:max_k, wss)

ggplot(elbow, aes(x = X2.max_k, y = wss)) +
geom_point() +
geom_line() +
scale_x_continuous(breaks = seq(1, 20, by = 1))

pc_cluster_2 <-kmeans(data2, 4)
pc_cluster_2$cluster

## [1] 3 3 1 2 4 4 3 4 3 2 4 3 2 2 4 4 4 4 3 4 3 3 3 4 3 4 3 2 2 2 2 2 2 2
2 2 2
## [38] 4 4 4 4 4 4 4 4 4 3 3 3 4 4 4 4 2 2 2 3 3 4 3 4 4 4 4 4 3 3 4 4 4 4
3 4 4
## [75] 4 2 3 3 4 1 4 4 3 3 4 2 3 4 4 4 3 3 3 3 4 1 1 1 2 3 1 3 3 4 2 2 1 1
4 4 4
## [112] 1 1 1 1 1 4 3 3 4 3 1 1 1 2 3 3 3 1 3 3 3 3 3 2 2 3 2 4 4 4 4 4 4 4
4 2 2
## [149] 2 2 2 2 2 2 2 2 3 4 3 3 3 4 4 4 4 4 2 2 2 2 2 2 2 3 4 3 2 2 2 4 4 3
3 3 4
## [186] 3 2 3 3 3 3 4 4 3 3 4 4 4 3 4 3 3 3 3 4 3 3 4 3 4 4 4 4 3 3 4 4 4 4
4 2 3
## [223] 1 3 1 3 1 3 3 4 3 3 3 2 2 2 2 2 2 3 3 3 4 3 3 4 4 4 4 4 4 3 4 3 4 2
2 2 2
## [260] 2 2 3 4 4 3 3 3 3 3 1 3 3 3 1 1 1 4 4 4 3 4 1 4 3 4 4 4 4 4 1 3 4 3
4 3 4
## [297] 3 3 3 3 3 3 4 3 4 4 2 2 2 2 2 2 3 4 3 1 1 1 4 4 4 1 4 4 4 4 4 4 4 4
3 3 3
## [334] 3 4 4 4 4 2 2 3 2 4 4 4 3 3 3 1 4 4 4 4 3 4 3 4 3

pc_cluster_2$size

## [1] 31 69 119 139

pc_cluster_2$centers

## 22. Are you currently borrowing from another source

## 1 0.2258065
## 2 0.3478261
## 3 0.4201681
## 4 0.4604317
## 23.5 How does the amount your household spent on school and school
expenses for this current school year compare to what you spent last school
year
## 1
0.06451613
## 2
-0.46376812
## 3
-0.12605042
## 4
-0.28776978
## 24. Did you invest any of the last loan you took from the program into
an income-generating activity
## 1
0.9032258
## 2
1.8550725
## 3
1.0756303
## 4
0.6402878
## 25. Over the last 12 months, has the household income you have been able
to earn.
## 1
-0.2903226
## 2
-0.9130435
## 3
-0.4789916
## 4
-0.8920863
## 32.1. Do you feel that productivity has increased after taking loan from
Saggraha MFI
## 1
-0.3870968
## 2
1.2028986
## 3
0.7226891
## 4
1.1942446
## 32.2. Do you feel that quality of life has improved after taking loan
from Saggraha MFI:
## 1
-0.3225806
## 2
1.1304348
## 3
0.7058824
## 4
1.2230216
## 32.3. Do you feel yourself more financially secure after taking loan
from Saggraha MFI:
## 1
-0.5806452
## 2
1.0579710
## 3
0.6050420
## 4
1.2086331
## 32.4. Do you feel yourself and household members more healthy due to
better food and hygienic living conditions due to increase in income after
taking loan from Saggraha MFI
## 1
-0.7096774
## 2
0.8405797
## 3
0.7478992
## 4
1.2877698
## 32.5. Do you feel you have better coping capacity during emergency after
taking loan from Saggraha MFI:
## 1
-0.7741935
## 2
1.1594203
## 3
0.4033613
## 4
1.0359712
## 32.6. Do you feel your overall peace of mind has improved due to loan
provided by Saggraha MFI:
## 1
-0.7419355
## 2
0.9420290
## 3
0.4957983
## 4
1.0071942
## 34.1. Lower interest rate than other informal sources of credit
(informal lenders)
## 1
-0.8064516
## 2
0.9710145
## 3
0.3361345
## 4
1.0215827
## 34.2. Steady source of working capital
## 1 -0.8387097
## 2 0.9130435
## 3 0.1008403
## 4 1.0719424
## 34.3. Group solidarity and/or group dynamics
## 1 -0.7741935
## 2 0.8550725
## 3 0.3529412
## 4 1.1079137
## 34.4. Training or technical assistance
## 1 -0.8064516
## 2 1.0434783
## 3 0.2773109
## 4 1.0719424
## 34.5. Other financial services, such as savings or insurance
## 1 -0.7741935
## 2 1.2173913
## 3 0.3865546
## 4 1.0863309
## 34.6. Efficiency, compared to banks or other sources
## 1 -0.8709677
## 2 1.2463768
## 3 0.3277311
## 4 0.9568345
## 34.7. Easier guarantees than loan alternatives
## 1 -0.87096774
## 2 1.00000000
## 3 0.09243697
## 4 0.95683453
## 34.8. High interest rates or charges
## 1 -0.6451613
## 2 -0.4492754
## 3 0.2521008
## 4 1.0431655
## 34.9. Size of initial or subsequent loans too small
## 1 -0.8387097
## 2 -0.2028986
## 3 0.2352941
## 4 1.0647482
## 34.10. Loan cycle too long 34.11. Loan cycle too short
## 1 -0.9354839 -0.8387097
## 2 -0.8260870 -0.4637681
## 3 0.0000000 0.1008403
## 4 0.7553957 0.7266187
## 34.12. Problematic group dynamics (with leaders or at meetings)
## 1 -0.5483871
## 2 -0.3768116
## 3 0.4117647
## 4 0.9784173
## 34.13. Meeting frequency too often or meetings too long
## 1 -0.6774194
## 2 -0.6376812
## 3 0.1260504
## 4 0.8417266
## 34.14. Meeting place/ office not convenient
## 1 -0.74193548
## 2 -0.49275362
## 3 0.08403361
## 4 0.59712230
## 34.15. Repayment policies suitability (frequency, amount)
## 1 -0.7419355
## 2 0.9565217
## 3 0.2016807
## 4 0.9928058
## 34.16. Insurance policies suitability (Claim settlement)
## 1 -0.7096774
## 2 1.1594203
## 3 0.3865546
## 4 1.0359712
## 34.17. Low Transaction costs for client (such as slow disbursement, more
time consuming)
## 1
-0.4838710
## 2
-0.4492754
## 3
0.1848739
## 4
1.1079137
## 34.18.Dislike behavior/ attitude of loan officer or other program
personnel
## 1
-0.67741935
## 2
-0.86956522
## 3
0.04201681
## 4
0.56834532

autoplot(pc_cluster_2, data2, frame = TRUE)

## Adding missing grouping variables: `cluster`