Credit Regularized Tree

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checking_balance ≤ 1.

5
entropy = 0.888
samples = 700
value = [486, 214]
class = No

True False
months_loan_duration ≤ 22.5 credit_history ≤ 0.5
entropy = 0.991 entropy = 0.592
samples = 378 samples = 322
value = [210, 168] value = [276, 46]
class = No class = No

credit_history ≤ 0.5 savings_balance ≤ 2.5 other_credit ≤ 0.5 purpose ≤ 0.5


entropy = 0.925 entropy = 0.984 entropy = 0.351 entropy = 0.699
samples = 209 samples = 169 samples = 121 samples = 201
value = [138, 71] value = [72, 97] value = [113, 8] value = [163, 38]
class = No class = Yes class = No class = No

purpose ≤ 1.5 credit_history ≤ 3.5 amount ≤ 11025.0 checking_balance ≤ 0.5 age ≤ 39.0 other_credit ≤ 1.5 amount ≤ 1825.5 existing_loans_count ≤ 1.5
entropy = 0.551 entropy = 0.972 entropy = 0.941 entropy = 0.857 entropy = 0.918 entropy = 0.227 entropy = 0.985 entropy = 0.637
samples = 47 samples = 162 samples = 137 samples = 32 samples = 12 samples = 109 samples = 21 samples = 180
value = [41, 6] value = [97, 65] value = [49, 88] value = [23, 9] value = [8, 4] value = [105, 4] value = [12, 9] value = [151, 29]
class = No class = No class = Yes class = No class = No class = No class = No class = No

months_loan_duration ≤ 11.5 amount ≤ 1373.0 purpose ≤ 2.0 percent_of_income ≤ 2.5 percent_of_income ≤ 1.5 age ≤ 48.0 job ≤ 2.0 amount ≤ 11867.0 purpose ≤ 2.5 other_credit ≤ 0.5 savings_balance ≤ 2.5 amount ≤ 1299.5
entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0
entropy = 0.75 entropy = 0.953 entropy = 0.811 entropy = 0.964 entropy = 0.454 entropy = 0.946 entropy = 0.985 entropy = 0.137 entropy = 0.971 entropy = 0.971 entropy = 0.556 entropy = 0.839
samples = 19 samples = 11 samples = 5 samples = 6
samples = 28 samples = 150 samples = 12 samples = 126 samples = 21 samples = 11 samples = 7 samples = 104 samples = 5 samples = 15 samples = 139 samples = 41
value = [19, 0] value = [0, 11] value = [5, 0] value = [6, 0]
value = [22, 6] value = [94, 56] value = [3, 9] value = [49, 77] value = [19, 2] value = [4, 7] value = [3, 4] value = [102, 2] value = [3, 2] value = [6, 9] value = [121, 18] value = [30, 11]
class = No class = Yes class = No class = No
class = No class = No class = Yes class = Yes class = No class = Yes class = Yes class = No class = No class = Yes class = No class = No

age ≤ 28.5 purpose ≤ 2.0 employment_duration ≤ 1.5 employment_duration ≤ 1.0 amount ≤ 2182.0 amount ≤ 4832.5 amount ≤ 9724.0 percent_of_income ≤ 2.5 age ≤ 31.5 existing_loans_count ≤ 2.5 years_at_residence ≤ 2.5 job ≤ 2.5 job ≤ 2.5 credit_history ≤ 2.5
entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0
entropy = 0.937 entropy = 0.999 entropy = 0.863 entropy = 1.0 entropy = 0.989 entropy = 0.888 entropy = 1.0 entropy = 0.544 entropy = 0.811 entropy = 0.079 entropy = 0.994 entropy = 0.662 entropy = 0.169 entropy = 0.928
samples = 11 samples = 6 samples = 17 samples = 3 samples = 3 samples = 1 samples = 2 samples = 3 samples = 4 samples = 9
samples = 17 samples = 66 samples = 84 samples = 6 samples = 41 samples = 85 samples = 4 samples = 8 samples = 4 samples = 103 samples = 11 samples = 99 samples = 40 samples = 32
value = [11, 0] value = [0, 6] value = [17, 0] value = [3, 0] value = [0, 3] value = [0, 1] value = [0, 2] value = [3, 0] value = [0, 4] value = [9, 0]
value = [11, 6] value = [34, 32] value = [60, 24] value = [3, 3] value = [23, 18] value = [26, 59] value = [2, 2] value = [1, 7] value = [3, 1] value = [102, 1] value = [6, 5] value = [82, 17] value = [39, 1] value = [21, 11]
class = No class = Yes class = No class = No class = Yes class = Yes class = Yes class = No class = Yes class = No
class = No class = No class = No class = No class = No class = Yes class = No class = Yes class = No class = No class = No class = No class = No class = No

age ≤ 45.0 savings_balance ≤ 1.0 savings_balance ≤ 0.5 checking_balance ≤ 0.5 amount ≤ 7491.5 months_loan_duration ≤ 11.0 dependents ≤ 1.5 age ≤ 62.0 years_at_residence ≤ 1.5 age ≤ 23.0 age ≤ 35.0 months_loan_duration ≤ 21.0 other_credit ≤ 1.5 age ≤ 34.5 age ≤ 30.0 amount ≤ 3521.5 percent_of_income ≤ 3.5
entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0
entropy = 1.0 entropy = 0.852 entropy = 0.968 entropy = 0.601 entropy = 0.981 entropy = 0.811 entropy = 0.968 entropy = 0.949 entropy = 0.323 entropy = 1.0 entropy = 0.544 entropy = 0.811 entropy = 0.552 entropy = 0.918 entropy = 0.544 entropy = 0.997 entropy = 0.672
samples = 5 samples = 2 samples = 3 samples = 2 samples = 2 samples = 6 samples = 3 samples = 1 samples = 95 samples = 3 samples = 32
samples = 12 samples = 18 samples = 48 samples = 41 samples = 43 samples = 4 samples = 38 samples = 68 samples = 17 samples = 2 samples = 8 samples = 8 samples = 78 samples = 21 samples = 8 samples = 15 samples = 17
value = [5, 0] value = [2, 0] value = [0, 3] value = [2, 0] value = [0, 2] value = [0, 6] value = [3, 0] value = [0, 1] value = [95, 0] value = [0, 3] value = [32, 0]
value = [6, 6] value = [5, 13] value = [29, 19] value = [35, 6] value = [25, 18] value = [1, 3] value = [23, 15] value = [25, 43] value = [1, 16] value = [1, 1] value = [7, 1] value = [6, 2] value = [68, 10] value = [14, 7] value = [7, 1] value = [7, 8] value = [14, 3]
class = No class = No class = Yes class = No class = Yes class = Yes class = No class = Yes class = No class = Yes class = No
class = No class = Yes class = No class = No class = No class = Yes class = No class = Yes class = Yes class = No class = No class = No class = No class = No class = No class = Yes class = No

entropy = 0.811 entropy = 0.0 entropy = 0.0 entropy = 0.567 entropy = 0.0 entropy = 0.939 entropy = 0.0 entropy = 0.828 entropy = 0.942 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.997 entropy = 0.0 entropy = 0.923 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.0 entropy = 0.918 entropy = 0.0 entropy = 0.485 entropy = 0.0 entropy = 0.954 entropy = 0.619 entropy = 1.0 entropy = 0.0 entropy = 0.881 entropy = 0.0 entropy = 0.0 entropy = 1.0
samples = 8 samples = 4 samples = 3 samples = 15 samples = 3 samples = 45 samples = 18 samples = 23 samples = 39 samples = 4 samples = 1 samples = 3 samples = 32 samples = 6 samples = 65 samples = 3 samples = 1 samples = 16 samples = 1 samples = 1 samples = 1 samples = 7 samples = 3 samples = 5 samples = 76 samples = 2 samples = 8 samples = 13 samples = 2 samples = 6 samples = 10 samples = 5 samples = 11 samples = 6
value = [2, 6] value = [4, 0] value = [3, 0] value = [2, 13] value = [0, 3] value = [29, 16] value = [18, 0] value = [17, 6] value = [25, 14] value = [0, 4] value = [1, 0] value = [0, 3] value = [17, 15] value = [6, 0] value = [22, 43] value = [3, 0] value = [1, 0] value = [0, 16] value = [0, 1] value = [1, 0] value = [0, 1] value = [7, 0] value = [1, 2] value = [5, 0] value = [68, 8] value = [0, 2] value = [3, 5] value = [11, 2] value = [1, 1] value = [6, 0] value = [7, 3] value = [0, 5] value = [11, 0] value = [3, 3]
class = Yes class = No class = No class = Yes class = Yes class = No class = No class = No class = No class = Yes class = No class = Yes class = No class = No class = Yes class = No class = No class = Yes class = Yes class = No class = Yes class = No class = Yes class = No class = No class = Yes class = Yes class = No class = No class = No class = No class = Yes class = No class = No

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