Analyze the behavior

of loan property Sekar ChanyaofDewani

customers the behavior loan
property customers
 Overview

1. Data Preprocessing
Perform the data cleaning to deal with missing values, duplicated data, outliers, and data
encoding.

2. Analysis of Customer Interest Based on Property Type Purchasement

To discover the customer interest in applying for credit based on property type they plan on
to buy.

3. Analysis of Marrital Status towards the Loan Term (Year)

To discover the effect of marrital status towards the loan term they request.
 Data Preprocessing

Data cleaning process was executed in four following steps:

1. Eliminating the missing values throughout the given data.

2. Eliminating the duplicated data throughout the given data.

3. Determining the first (Q1) and third quartile (Q3) and interquartile range (IQR), then discovering the
data that was extremely outlying from the lowest and the highest limit which was then to be
eliminated.

4. Conducting the data encoding to substitute some categorical data type to numerical data type so it
could be processed by the machine.

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Analysis of Customer Interest Based on Property Type Purchasement

Based on the width of the bar from chart on the left,

it can be seen that male customer who applies for
credit is more than the female customers.
We can conclude that the male customers tend to
request for a loan averagely in larger amount than
the female customer for purchasing an
Apartement.
And for purchasing a House, the male customers
tend to request for loans from the bank averagely
in larger amount than the female customers.
And the last, for purchasing a studio, the male
customers tend to request for loans averagely in
smaller amount than the female customers.
Analysis the effect of Marrital Status towards the Loan Term (year)

According to the width of bar from the chart on

the left, it can be seen that married customers
(1) almost dominate the bank’s customers who
request for loans.
The bar chart shows that married customers
tend to choose shorter period of time for loans
than not-married customers.

In conclusion, based on the data that has been

processed, marrital status can somehow effect
customers’s tendecy on choosing period of
time for loans.
 Conclusion

In conclusion, customer characteristics are described in the following table:

Female Married •2 out of 3 choose to buy apartment
•Average loan term for an apartment (22,5 yr) tends to be shorter
than for a studio (30 yr)
•Average loan amount for an apartment (120.000) tends to be
smaller than for a studio (138.000)
Not-married •3 out of 7 choose to buy apartment or house
•Average loan term for three types property are equally even (30
yr)
•Average loan amount for a studio (225.000) tends to be larger
than for an apartment or a house
Male Married •1 out of 2 choose to buy apartment
•Average loan term for an apartment (30 yr) than for a studio then
a house, as it likely to affect the amount of loans, the larger the
amount of loans the longer the loan term.
Not-married •7 out of 3 choose to buy house
•Average loan term for a house (31,43 yr) tends to be shorter
than for a studo (30 yr) then a apartment (28,33 yr).
•Average loan amount for an apartment tends to be larger than
for a house then studio.