Tentang Model
Aplikasi analisis risiko kredit ini membandingkan tiga model Machine Learning untuk memprediksi persetujuan pinjaman berdasarkan data nasabah:
- Logistic Regression - klasifikasi linear, menghasilkan probabilitas persetujuan
- Decision Tree Classifier - pohon keputusan(max_depth=10) yang dapat dibaca aturan keputusannya
- Model Ensemble (Existing) - pipeline model yang telah tersedia sebelumnya
| Komponen | Keterangan |
|---|---|
| Dataset | Credit Analyst Data (Credit_Analyst_Data.csv) |
| Jumlah data | 50,000 baris nasabah |
| Data latih | 40,000 baris (dipakai saat pelatihan model) |
| Data uji | 10,000 baris (tidak pernah dilihat saat pelatihan) |
| Jumlah fitur | 15 fitur numerik + 3 fitur kategorik |
| Target | loan_status (1 = Disetujui, 0 = Ditolak) |
| Distribusi data uji | 5,491 nasabah disetujui • 4,509 nasabah ditolak |
Kinerja Model pada Data Uji Nasabah
Metrik dihitung pada 10,000 nasabah uji yang tidak pernah dilibatkan dalam pelatihan model.
| Model | Akurasi | Balanced Accuracy | F1-Macro | ROC-AUC | Nasabah Disetujui | % Disetujui | Akurasi Data Latih |
|---|---|---|---|---|---|---|---|
| Logistic Regression | 87.06% | 86.89% | 86.92% | 94.69% | 5,539 / 10,000 | 55.4% | 91.38% |
| Decision Tree | 89.43% | 89.09% | 89.27% | 95.07% | 5,728 / 10,000 | 57.3% | 91.13% |
| Model Ensemble (Existing) | 87.04% | 86.85% | 86.90% | 94.70% | 5,551 / 10,000 | 55.5% | 86.67% |
Selisih akurasi data latih dan data uji hanya sekitar 2-4 poin (model Ensemble hampir identik), sehingga model tidak menghafal data pelatihan secara berlebihan.
Classification Report
Precision = ketepatan prediksi kelas, Recall = ketepatan penemuan kelas, F1-Score = rata-rata harmonik keduanya.
Model Ensemble (Existing)
| Kelas | Precision | Recall | F1-Score | Support |
|---|---|---|---|---|
| Ditolak | 0.861 | 0.850 | 0.855 | 4,509 |
| Disetujui | 0.878 | 0.887 | 0.883 | 5,491 |
| macro avg | 0.869 | 0.869 | 0.869 | 10,000 |
| weighted avg | 0.870 | 0.870 | 0.870 | 10,000 |
| Accuracy | 0.8704 | 10,000 | ||
Logistic Regression
| Kelas | Precision | Recall | F1-Score | Support |
|---|---|---|---|---|
| Ditolak | 0.860 | 0.851 | 0.856 | 4,509 |
| Disetujui | 0.879 | 0.887 | 0.883 | 5,491 |
| macro avg | 0.870 | 0.869 | 0.869 | 10,000 |
| weighted avg | 0.871 | 0.871 | 0.871 | 10,000 |
| Accuracy | 0.8706 | 10,000 | ||
Decision Tree
| Kelas | Precision | Recall | F1-Score | Support |
|---|---|---|---|---|
| Ditolak | 0.904 | 0.857 | 0.880 | 4,509 |
| Disetujui | 0.887 | 0.925 | 0.906 | 5,491 |
| macro avg | 0.896 | 0.891 | 0.893 | 10,000 |
| weighted avg | 0.895 | 0.894 | 0.894 | 10,000 |
| Accuracy | 0.8943 | 10,000 | ||
Struktur Pohon Keputusan
Pohon keputusan model Decision Tree, digambar 3 level teratas untuk keterbacaan. Pohon penuh memiliki 713 node dengan kedalaman 10.
Fitur Paling Berpengaruh
Decision Tree - Feature Importance
Nilai = porsi kontribusi fitur terhadap impurity decrease (total = 100%).
| # | Fitur | Nilai | Porsi |
|---|---|---|---|
| 1 | credit_score | 0.4075 | 40.8% |
| 2 | debt_to_income_ratio | 0.2322 | 23.2% |
| 3 | loan_intent | 0.0785 | 7.8% |
| 4 | loan_to_income_ratio | 0.0656 | 6.6% |
| 5 | credit_history_years | 0.0608 | 6.1% |
| 6 | defaults_on_file | 0.0535 | 5.3% |
| 7 | delinquencies_last_2yrs | 0.0410 | 4.1% |
| 8 | years_employed | 0.0200 | 2.0% |
| 9 | interest_rate | 0.0113 | 1.1% |
| 10 | customer_id | 0.0082 | 0.8% |
Logistic Regression - Koefisien Absolut
Nilai = jumlah absolut koefisien model. Porsi dihitung terhadap total seluruh fitur (tanpa customer_id).
| # | Fitur | Nilai | Porsi |
|---|---|---|---|
| 1 | product_type | 5.6381 | 24.4% |
| 2 | loan_intent | 5.2215 | 22.6% |
| 3 | defaults_on_file | 3.4240 | 14.8% |
| 4 | interest_rate | 1.8821 | 8.1% |
| 5 | debt_to_income_ratio | 1.3580 | 5.9% |
| 6 | credit_score | 0.8172 | 3.5% |
| 7 | delinquencies_last_2yrs | 0.7962 | 3.4% |
| 8 | credit_history_years | 0.7551 | 3.3% |
| 9 | payment_to_income_ratio | 0.5543 | 2.4% |
| 10 | current_debt | 0.5325 | 2.3% |
Aturan Pohon Keputusan (Teks)
Aturan dibaca dari akar ke daun. Ambang batas ditampilkan dalam satuan asli (bukan standardize) sehingga mudah dipakai sebagai acuan bisnis.
|--- credit_score <= 599.500 | |--- loan_to_income_ratio <= 0.302 | | |--- debt_to_income_ratio <= 0.379 | | | |--- defaults_on_file <= 0.500 | | | | |--- THEN Ditolak (n=1,370, keyakinan=0.0%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500) | | | | |--- THEN Ditolak (n=255, keyakinan=0.0%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file > 0.500) | | | |--- debt_to_income_ratio <= 0.465 | | | | |--- THEN Ditolak (n=244, keyakinan=0.1%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465) | | | | |--- THEN Ditolak (n=351, keyakinan=0.0%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio > 0.465) | | |--- credit_history_years <= 5.850 | | | |--- loan_intent != Education | | | | |--- THEN Ditolak (n=3,768, keyakinan=0.0%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education) | | | | |--- THEN Ditolak (n=1,005, keyakinan=0.0%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education) | | | |--- loan_intent != Education | | | | |--- THEN Ditolak (n=2,419, keyakinan=0.0%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education) | | | | |--- THEN Ditolak (n=599, keyakinan=0.1%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education) | |--- debt_to_income_ratio <= 0.499 | | |--- credit_score <= 649.500 | | | |--- credit_history_years <= 4.950 | | | | |--- THEN Ditolak (n=4,773, keyakinan=0.0%) | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950) | | | | |--- THEN Ditolak (n=5,468, keyakinan=0.0%) | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950) | | | |--- defaults_on_file <= 0.500 | | | | |--- THEN Ditolak (n=16,152, keyakinan=0.0%) | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500) | | | | |--- THEN Ditolak (n=314, keyakinan=0.0%) | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file > 0.500) | | |--- debt_to_income_ratio <= 0.550 | | | |--- credit_score <= 698.500 | | | | |--- THEN Ditolak (n=862, keyakinan=0.0%) | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500) | | | | |--- THEN Ditolak (n=327, keyakinan=0.2%) | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500) | | | |--- THEN Ditolak (n=2,093, keyakinan=0.0%) | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio > 0.550)
Tampilkan pohon penuh (kedalaman 10)
|--- credit_score <= 599.500 | |--- loan_to_income_ratio <= 0.302 | | |--- debt_to_income_ratio <= 0.379 | | | |--- defaults_on_file <= 0.500 | | | | |--- loan_intent != Education | | | | | |--- loan_intent != Personal | | | | | | |--- credit_history_years <= 4.850 | | | | | | | |--- loan_amount <= 2050.001 | | | | | | | | |--- loan_to_income_ratio <= 0.099 | | | | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=24, keyakinan=1.7%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount <= 2050.001 AND loan_to_income_ratio <= 0.099 AND delinquencies_last_2yrs <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=28, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount <= 2050.001 AND loan_to_income_ratio <= 0.099 AND delinquencies_last_2yrs > 0.500) | | | | | | | | | |--- current_debt <= 1130.500 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount <= 2050.001 AND loan_to_income_ratio > 0.099 AND current_debt <= 1130.500) | | | | | | | | | | |--- THEN Ditolak (n=25, keyakinan=3.2%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount <= 2050.001 AND loan_to_income_ratio > 0.099 AND current_debt > 1130.500) | | | | | | | | |--- loan_intent != Medical | | | | | | | | | |--- customer_id != CUST130055 | | | | | | | | | | |--- THEN Ditolak (n=222, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount > 2050.001 AND loan_intent != Medical AND customer_id != CUST130055) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount > 2050.001 AND loan_intent != Medical AND customer_id == CUST130055) | | | | | | | | | |--- interest_rate <= 22.095 | | | | | | | | | | |--- THEN Ditolak (n=72, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount > 2050.001 AND loan_intent == Medical AND interest_rate <= 22.095) | | | | | | | | | | |--- THEN Ditolak (n=22, keyakinan=1.7%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years <= 4.850 AND loan_amount > 2050.001 AND loan_intent == Medical AND interest_rate > 22.095) | | | | | | | |--- delinquencies_last_2yrs <= 1.500 | | | | | | | | |--- loan_intent != Home Improvement | | | | | | | | | |--- loan_intent != Medical | | | | | | | | | | |--- THEN Ditolak (n=138, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years > 4.850 AND delinquencies_last_2yrs <= 1.500 AND loan_intent != Home Improvement AND loan_intent != Medical) | | | | | | | | | | |--- THEN Ditolak (n=87, keyakinan=0.7%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years > 4.850 AND delinquencies_last_2yrs <= 1.500 AND loan_intent != Home Improvement AND loan_intent == Medical) | | | | | | | | | |--- interest_rate <= 16.680 | | | | | | | | | | |--- THEN Ditolak (n=29, keyakinan=1.9%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years > 4.850 AND delinquencies_last_2yrs <= 1.500 AND loan_intent == Home Improvement AND interest_rate <= 16.680) | | | | | | | | | | |--- THEN Ditolak (n=43, keyakinan=2.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years > 4.850 AND delinquencies_last_2yrs <= 1.500 AND loan_intent == Home Improvement AND interest_rate > 16.680) | | | | | | | | |--- customer_id != CUST120772 | | | | | | | | | |--- customer_id != CUST127954 | | | | | | | | | | |--- THEN Ditolak (n=62, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years > 4.850 AND delinquencies_last_2yrs > 1.500 AND customer_id != CUST120772 AND customer_id != CUST127954) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years > 4.850 AND delinquencies_last_2yrs > 1.500 AND customer_id != CUST120772 AND customer_id == CUST127954) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent != Personal AND credit_history_years > 4.850 AND delinquencies_last_2yrs > 1.500 AND customer_id == CUST120772) | | | | | | |--- credit_history_years <= 4.250 | | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | | |--- years_employed <= 0.450 | | | | | | | | | |--- annual_income <= 17004.000 | | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=16.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs <= 0.500 AND years_employed <= 0.450 AND annual_income <= 17004.000) | | | | | | | | | | |--- THEN Ditolak (n=14, keyakinan=1.5%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs <= 0.500 AND years_employed <= 0.450 AND annual_income > 17004.000) | | | | | | | | | |--- years_employed <= 2.150 | | | | | | | | | | |--- THEN Ditolak (n=31, keyakinan=2.8%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs <= 0.500 AND years_employed > 0.450 AND years_employed <= 2.150) | | | | | | | | | | |--- THEN Ditolak (n=23, keyakinan=2.3%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs <= 0.500 AND years_employed > 0.450 AND years_employed > 2.150) | | | | | | | | |--- occupation_status != Student | | | | | | | | | |--- payment_to_income_ratio <= 0.098 | | | | | | | | | | |--- THEN Ditolak (n=64, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs > 0.500 AND occupation_status != Student AND payment_to_income_ratio <= 0.098) | | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=18.8%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs > 0.500 AND occupation_status != Student AND payment_to_income_ratio > 0.098) | | | | | | | | | |--- derogatory_marks <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=13, keyakinan=5.9%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs > 0.500 AND occupation_status == Student AND derogatory_marks <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years <= 4.250 AND delinquencies_last_2yrs > 0.500 AND occupation_status == Student AND derogatory_marks > 0.500) | | | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | | | |--- derogatory_marks <= 1.500 | | | | | | | | | |--- credit_history_years <= 8.550 | | | | | | | | | | |--- THEN Ditolak (n=65, keyakinan=1.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years > 4.250 AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks <= 1.500 AND credit_history_years <= 8.550) | | | | | | | | | | |--- THEN Ditolak (n=79, keyakinan=1.2%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years > 4.250 AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks <= 1.500 AND credit_history_years > 8.550) | | | | | | | | | |--- savings_assets <= 597.000 | | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=18.8%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years > 4.250 AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks > 1.500 AND savings_assets <= 597.000) | | | | | | | | | | |--- THEN Ditolak (n=6, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years > 4.250 AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks > 1.500 AND savings_assets > 597.000) | | | | | | | | |--- THEN Ditolak (n=9, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent != Education AND loan_intent == Personal AND credit_history_years > 4.250 AND delinquencies_last_2yrs > 2.500) | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | |--- derogatory_marks <= 1.500 | | | | | | | |--- interest_rate <= 13.175 | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks <= 1.500 AND interest_rate <= 13.175) | | | | | | | | |--- credit_history_years <= 5.350 | | | | | | | | | |--- delinquencies_last_2yrs <= 1.500 | | | | | | | | | | |--- THEN Ditolak (n=131, keyakinan=0.6%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks <= 1.500 AND interest_rate > 13.175 AND credit_history_years <= 5.350 AND delinquencies_last_2yrs <= 1.500) | | | | | | | | | | |--- THEN Ditolak (n=26, keyakinan=1.8%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks <= 1.500 AND interest_rate > 13.175 AND credit_history_years <= 5.350 AND delinquencies_last_2yrs > 1.500) | | | | | | | | | |--- payment_to_income_ratio <= 0.100 | | | | | | | | | | |--- THEN Ditolak (n=101, keyakinan=1.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks <= 1.500 AND interest_rate > 13.175 AND credit_history_years > 5.350 AND payment_to_income_ratio <= 0.100) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks <= 1.500 AND interest_rate > 13.175 AND credit_history_years > 5.350 AND payment_to_income_ratio > 0.100) | | | | | | | |--- credit_score <= 542.500 | | | | | | | | |--- THEN Ditolak (n=8, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks > 1.500 AND credit_score <= 542.500) | | | | | | | | |--- credit_history_years <= 3.950 | | | | | | | | | |--- credit_history_years <= 1.850 | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks > 1.500 AND credit_score > 542.500 AND credit_history_years <= 3.950 AND credit_history_years <= 1.850) | | | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks > 1.500 AND credit_score > 542.500 AND credit_history_years <= 3.950 AND credit_history_years > 1.850) | | | | | | | | | |--- THEN Ditolak (n=6, keyakinan=16.7%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs <= 2.500 AND derogatory_marks > 1.500 AND credit_score > 542.500 AND credit_history_years > 3.950) | | | | | | |--- THEN Ditolak (n=11, keyakinan=0.0%) | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file <= 0.500 AND loan_intent == Education AND delinquencies_last_2yrs > 2.500) | | | | |--- THEN Ditolak (n=255, keyakinan=0.0%) | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio <= 0.379 AND defaults_on_file > 0.500) | | | |--- debt_to_income_ratio <= 0.465 | | | | |--- credit_history_years <= 11.550 | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | |--- annual_income <= 74674.000 | | | | | | | |--- customer_id != CUST111371 | | | | | | | | |--- current_debt <= 5819.500 | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs <= 0.500 AND annual_income <= 74674.000 AND customer_id != CUST111371 AND current_debt <= 5819.500) | | | | | | | | | |--- customer_id != CUST120151 | | | | | | | | | | |--- THEN Ditolak (n=61, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs <= 0.500 AND annual_income <= 74674.000 AND customer_id != CUST111371 AND current_debt > 5819.500 AND customer_id != CUST120151) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs <= 0.500 AND annual_income <= 74674.000 AND customer_id != CUST111371 AND current_debt > 5819.500 AND customer_id == CUST120151) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs <= 0.500 AND annual_income <= 74674.000 AND customer_id == CUST111371) | | | | | | | |--- payment_to_income_ratio <= 0.079 | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=20.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs <= 0.500 AND annual_income > 74674.000 AND payment_to_income_ratio <= 0.079) | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs <= 0.500 AND annual_income > 74674.000 AND payment_to_income_ratio > 0.079) | | | | | | |--- customer_id != CUST125123 | | | | | | | |--- credit_score <= 454.000 | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs > 0.500 AND customer_id != CUST125123 AND credit_score <= 454.000) | | | | | | | | |--- customer_id != CUST102254 | | | | | | | | | |--- customer_id != CUST104890 | | | | | | | | | | |--- THEN Ditolak (n=127, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs > 0.500 AND customer_id != CUST125123 AND credit_score > 454.000 AND customer_id != CUST102254 AND customer_id != CUST104890) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs > 0.500 AND customer_id != CUST125123 AND credit_score > 454.000 AND customer_id != CUST102254 AND customer_id == CUST104890) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs > 0.500 AND customer_id != CUST125123 AND credit_score > 454.000 AND customer_id == CUST102254) | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years <= 11.550 AND delinquencies_last_2yrs > 0.500 AND customer_id == CUST125123) | | | | | |--- interest_rate <= 21.700 | | | | | | |--- age <= 60.500 | | | | | | | |--- loan_amount <= 1600.001 | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate <= 21.700 AND age <= 60.500 AND loan_amount <= 1600.001) | | | | | | | | |--- THEN Ditolak (n=17, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate <= 21.700 AND age <= 60.500 AND loan_amount > 1600.001) | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate <= 21.700 AND age > 60.500) | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | |--- age <= 49.000 | | | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | | | |--- age <= 31.500 | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate > 21.700 AND loan_intent != Debt Consolidation AND age <= 49.000 AND defaults_on_file <= 0.500 AND age <= 31.500) | | | | | | | | | | |--- THEN Ditolak (n=12, keyakinan=7.6%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate > 21.700 AND loan_intent != Debt Consolidation AND age <= 49.000 AND defaults_on_file <= 0.500 AND age > 31.500) | | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate > 21.700 AND loan_intent != Debt Consolidation AND age <= 49.000 AND defaults_on_file > 0.500) | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate > 21.700 AND loan_intent != Debt Consolidation AND age > 49.000) | | | | | | | |--- THEN Ditolak (n=4, keyakinan=0.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio <= 0.465 AND credit_history_years > 11.550 AND interest_rate > 21.700 AND loan_intent == Debt Consolidation) | | | | |--- customer_id != CUST123396 | | | | | |--- customer_id != CUST112054 | | | | | | |--- THEN Ditolak (n=349, keyakinan=0.0%) | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio > 0.465 AND customer_id != CUST123396 AND customer_id != CUST112054) | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio > 0.465 AND customer_id != CUST123396 AND customer_id == CUST112054) | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio <= 0.302 AND debt_to_income_ratio > 0.379 AND debt_to_income_ratio > 0.465 AND customer_id == CUST123396) | | |--- credit_history_years <= 5.850 | | | |--- loan_intent != Education | | | | |--- savings_assets <= 44338.501 | | | | | |--- customer_id != CUST127067 | | | | | | |--- customer_id != CUST107086 | | | | | | | |--- customer_id != CUST135947 | | | | | | | | |--- customer_id != CUST115865 | | | | | | | | | |--- customer_id != CUST117860 | | | | | | | | | | |--- THEN Ditolak (n=3,761, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education AND savings_assets <= 44338.501 AND customer_id != CUST127067 AND customer_id != CUST107086 AND customer_id != CUST135947 AND customer_id != CUST115865 AND customer_id != CUST117860) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education AND savings_assets <= 44338.501 AND customer_id != CUST127067 AND customer_id != CUST107086 AND customer_id != CUST135947 AND customer_id != CUST115865 AND customer_id == CUST117860) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education AND savings_assets <= 44338.501 AND customer_id != CUST127067 AND customer_id != CUST107086 AND customer_id != CUST135947 AND customer_id == CUST115865) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education AND savings_assets <= 44338.501 AND customer_id != CUST127067 AND customer_id != CUST107086 AND customer_id == CUST135947) | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education AND savings_assets <= 44338.501 AND customer_id != CUST127067 AND customer_id == CUST107086) | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education AND savings_assets <= 44338.501 AND customer_id == CUST127067) | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent != Education AND savings_assets > 44338.501) | | | | |--- payment_to_income_ratio <= 0.332 | | | | | |--- debt_to_income_ratio <= 0.315 | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | |--- interest_rate <= 21.035 | | | | | | | | |--- derogatory_marks <= 0.500 | | | | | | | | | |--- debt_to_income_ratio <= 0.161 | | | | | | | | | | |--- THEN Ditolak (n=31, keyakinan=1.6%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.035 AND derogatory_marks <= 0.500 AND debt_to_income_ratio <= 0.161) | | | | | | | | | | |--- THEN Ditolak (n=46, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.035 AND derogatory_marks <= 0.500 AND debt_to_income_ratio > 0.161) | | | | | | | | | |--- customer_id != CUST140921 | | | | | | | | | | |--- THEN Ditolak (n=35, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.035 AND derogatory_marks > 0.500 AND customer_id != CUST140921) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.035 AND derogatory_marks > 0.500 AND customer_id == CUST140921) | | | | | | | | |--- payment_to_income_ratio <= 0.154 | | | | | | | | | |--- current_debt <= 3469.000 | | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=8.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.035 AND payment_to_income_ratio <= 0.154 AND current_debt <= 3469.000) | | | | | | | | | | |--- THEN Ditolak (n=17, keyakinan=5.5%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.035 AND payment_to_income_ratio <= 0.154 AND current_debt > 3469.000) | | | | | | | | | |--- annual_income <= 29351.500 | | | | | | | | | | |--- THEN Ditolak (n=26, keyakinan=1.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.035 AND payment_to_income_ratio > 0.154 AND annual_income <= 29351.500) | | | | | | | | | | |--- THEN Ditolak (n=43, keyakinan=1.4%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.035 AND payment_to_income_ratio > 0.154 AND annual_income > 29351.500) | | | | | | | |--- credit_history_years <= 1.750 | | | | | | | | |--- customer_id != CUST111430 | | | | | | | | | |--- customer_id != CUST128653 | | | | | | | | | | |--- THEN Ditolak (n=106, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs > 0.500 AND credit_history_years <= 1.750 AND customer_id != CUST111430 AND customer_id != CUST128653) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs > 0.500 AND credit_history_years <= 1.750 AND customer_id != CUST111430 AND customer_id == CUST128653) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs > 0.500 AND credit_history_years <= 1.750 AND customer_id == CUST111430) | | | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | | | |--- derogatory_marks <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=55, keyakinan=0.7%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs > 0.500 AND credit_history_years > 1.750 AND defaults_on_file <= 0.500 AND derogatory_marks <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=24, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs > 0.500 AND credit_history_years > 1.750 AND defaults_on_file <= 0.500 AND derogatory_marks > 0.500) | | | | | | | | | |--- THEN Ditolak (n=22, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio <= 0.315 AND delinquencies_last_2yrs > 0.500 AND credit_history_years > 1.750 AND defaults_on_file > 0.500) | | | | | | |--- payment_to_income_ratio <= 0.330 | | | | | | | |--- customer_id != CUST115356 | | | | | | | | |--- customer_id != CUST103183 | | | | | | | | | |--- customer_id != CUST136200 | | | | | | | | | | |--- THEN Ditolak (n=234, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio > 0.315 AND payment_to_income_ratio <= 0.330 AND customer_id != CUST115356 AND customer_id != CUST103183 AND customer_id != CUST136200) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio > 0.315 AND payment_to_income_ratio <= 0.330 AND customer_id != CUST115356 AND customer_id != CUST103183 AND customer_id == CUST136200) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio > 0.315 AND payment_to_income_ratio <= 0.330 AND customer_id != CUST115356 AND customer_id == CUST103183) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio > 0.315 AND payment_to_income_ratio <= 0.330 AND customer_id == CUST115356) | | | | | | | |--- product_type != Personal Loan | | | | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio > 0.315 AND payment_to_income_ratio > 0.330 AND product_type != Personal Loan) | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio <= 0.332 AND debt_to_income_ratio > 0.315 AND payment_to_income_ratio > 0.330 AND product_type == Personal Loan) | | | | | |--- customer_id != CUST149674 | | | | | | |--- customer_id != CUST140339 | | | | | | | |--- customer_id != CUST133357 | | | | | | | | |--- customer_id != CUST148776 | | | | | | | | | |--- customer_id != CUST121978 | | | | | | | | | | |--- THEN Ditolak (n=347, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio > 0.332 AND customer_id != CUST149674 AND customer_id != CUST140339 AND customer_id != CUST133357 AND customer_id != CUST148776 AND customer_id != CUST121978) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio > 0.332 AND customer_id != CUST149674 AND customer_id != CUST140339 AND customer_id != CUST133357 AND customer_id != CUST148776 AND customer_id == CUST121978) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio > 0.332 AND customer_id != CUST149674 AND customer_id != CUST140339 AND customer_id != CUST133357 AND customer_id == CUST148776) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio > 0.332 AND customer_id != CUST149674 AND customer_id != CUST140339 AND customer_id == CUST133357) | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio > 0.332 AND customer_id != CUST149674 AND customer_id == CUST140339) | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years <= 5.850 AND loan_intent == Education AND payment_to_income_ratio > 0.332 AND customer_id == CUST149674) | | | |--- loan_intent != Education | | | | |--- loan_intent != Personal | | | | | |--- debt_to_income_ratio <= 0.367 | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | |--- interest_rate <= 21.240 | | | | | | | | |--- savings_assets <= 11494.000 | | | | | | | | | |--- annual_income <= 137159.998 | | | | | | | | | | |--- THEN Ditolak (n=283, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.240 AND savings_assets <= 11494.000 AND annual_income <= 137159.998) | | | | | | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.240 AND savings_assets <= 11494.000 AND annual_income > 137159.998) | | | | | | | | | |--- years_employed <= 11.600 | | | | | | | | | | |--- THEN Ditolak (n=15, keyakinan=0.9%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.240 AND savings_assets > 11494.000 AND years_employed <= 11.600) | | | | | | | | | | |--- THEN Ditolak (n=12, keyakinan=5.6%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate <= 21.240 AND savings_assets > 11494.000 AND years_employed > 11.600) | | | | | | | | |--- credit_history_years <= 9.850 | | | | | | | | | |--- interest_rate <= 21.295 | | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=16.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.240 AND credit_history_years <= 9.850 AND interest_rate <= 21.295) | | | | | | | | | | |--- THEN Ditolak (n=86, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.240 AND credit_history_years <= 9.850 AND interest_rate > 21.295) | | | | | | | | | |--- derogatory_marks <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=76, keyakinan=0.7%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.240 AND credit_history_years > 9.850 AND derogatory_marks <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=37, keyakinan=0.7%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 0.500 AND interest_rate > 21.240 AND credit_history_years > 9.850 AND derogatory_marks > 0.500) | | | | | | | |--- customer_id != CUST128919 | | | | | | | | |--- customer_id != CUST144416 | | | | | | | | | |--- customer_id != CUST103662 | | | | | | | | | | |--- THEN Ditolak (n=657, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs > 0.500 AND customer_id != CUST128919 AND customer_id != CUST144416 AND customer_id != CUST103662) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs > 0.500 AND customer_id != CUST128919 AND customer_id != CUST144416 AND customer_id == CUST103662) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs > 0.500 AND customer_id != CUST128919 AND customer_id == CUST144416) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs > 0.500 AND customer_id == CUST128919) | | | | | | |--- customer_id != CUST138771 | | | | | | | |--- customer_id != CUST107196 | | | | | | | | |--- THEN Ditolak (n=453, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio > 0.367 AND customer_id != CUST138771 AND customer_id != CUST107196) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio > 0.367 AND customer_id != CUST138771 AND customer_id == CUST107196) | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent != Personal AND debt_to_income_ratio > 0.367 AND customer_id == CUST138771) | | | | | |--- debt_to_income_ratio <= 0.353 | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | |--- loan_to_income_ratio <= 1.026 | | | | | | | | |--- interest_rate <= 21.115 | | | | | | | | | |--- derogatory_marks <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=121, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio <= 1.026 AND interest_rate <= 21.115 AND derogatory_marks <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=71, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio <= 1.026 AND interest_rate <= 21.115 AND derogatory_marks > 0.500) | | | | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=64, keyakinan=1.3%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio <= 1.026 AND interest_rate > 21.115 AND delinquencies_last_2yrs <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=68, keyakinan=0.8%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio <= 1.026 AND interest_rate > 21.115 AND delinquencies_last_2yrs > 0.500) | | | | | | | | |--- derogatory_marks <= 0.500 | | | | | | | | | |--- delinquencies_last_2yrs <= 1.500 | | | | | | | | | | |--- THEN Ditolak (n=72, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio > 1.026 AND derogatory_marks <= 0.500 AND delinquencies_last_2yrs <= 1.500) | | | | | | | | | | |--- THEN Ditolak (n=24, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio > 1.026 AND derogatory_marks <= 0.500 AND delinquencies_last_2yrs > 1.500) | | | | | | | | | |--- customer_id != CUST112596 | | | | | | | | | | |--- THEN Ditolak (n=51, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio > 1.026 AND derogatory_marks > 0.500 AND customer_id != CUST112596) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file <= 0.500 AND loan_to_income_ratio > 1.026 AND derogatory_marks > 0.500 AND customer_id == CUST112596) | | | | | | | |--- THEN Ditolak (n=80, keyakinan=0.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.353 AND defaults_on_file > 0.500) | | | | | | |--- customer_id != CUST139749 | | | | | | | |--- customer_id != CUST147798 | | | | | | | | |--- customer_id != CUST124236 | | | | | | | | | |--- customer_id != CUST146716 | | | | | | | | | | |--- THEN Ditolak (n=232, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio > 0.353 AND customer_id != CUST139749 AND customer_id != CUST147798 AND customer_id != CUST124236 AND customer_id != CUST146716) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio > 0.353 AND customer_id != CUST139749 AND customer_id != CUST147798 AND customer_id != CUST124236 AND customer_id == CUST146716) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio > 0.353 AND customer_id != CUST139749 AND customer_id != CUST147798 AND customer_id == CUST124236) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio > 0.353 AND customer_id != CUST139749 AND customer_id == CUST147798) | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio > 0.353 AND customer_id == CUST139749) | | | | |--- defaults_on_file <= 0.500 | | | | | |--- debt_to_income_ratio <= 0.440 | | | | | | |--- loan_to_income_ratio <= 0.999 | | | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | | | |--- years_employed <= 2.050 | | | | | | | | | |--- interest_rate <= 21.665 | | | | | | | | | | |--- THEN Ditolak (n=35, keyakinan=1.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio <= 0.999 AND delinquencies_last_2yrs <= 2.500 AND years_employed <= 2.050 AND interest_rate <= 21.665) | | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=20.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio <= 0.999 AND delinquencies_last_2yrs <= 2.500 AND years_employed <= 2.050 AND interest_rate > 21.665) | | | | | | | | | |--- loan_amount <= 19650.000 | | | | | | | | | | |--- THEN Ditolak (n=71, keyakinan=0.9%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio <= 0.999 AND delinquencies_last_2yrs <= 2.500 AND years_employed > 2.050 AND loan_amount <= 19650.000) | | | | | | | | | | |--- THEN Ditolak (n=138, keyakinan=0.6%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio <= 0.999 AND delinquencies_last_2yrs <= 2.500 AND years_employed > 2.050 AND loan_amount > 19650.000) | | | | | | | | |--- THEN Ditolak (n=12, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio <= 0.999 AND delinquencies_last_2yrs > 2.500) | | | | | | | |--- years_employed <= 4.350 | | | | | | | | |--- customer_id != CUST120035 | | | | | | | | | |--- customer_id != CUST140780 | | | | | | | | | | |--- THEN Ditolak (n=52, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio > 0.999 AND years_employed <= 4.350 AND customer_id != CUST120035 AND customer_id != CUST140780) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio > 0.999 AND years_employed <= 4.350 AND customer_id != CUST120035 AND customer_id == CUST140780) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio > 0.999 AND years_employed <= 4.350 AND customer_id == CUST120035) | | | | | | | | |--- derogatory_marks <= 0.500 | | | | | | | | | |--- delinquencies_last_2yrs <= 1.500 | | | | | | | | | | |--- THEN Ditolak (n=48, keyakinan=1.5%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio > 0.999 AND years_employed > 4.350 AND derogatory_marks <= 0.500 AND delinquencies_last_2yrs <= 1.500) | | | | | | | | | | |--- THEN Ditolak (n=13, keyakinan=1.8%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio > 0.999 AND years_employed > 4.350 AND derogatory_marks <= 0.500 AND delinquencies_last_2yrs > 1.500) | | | | | | | | | |--- age <= 48.500 | | | | | | | | | | |--- THEN Ditolak (n=24, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio > 0.999 AND years_employed > 4.350 AND derogatory_marks > 0.500 AND age <= 48.500) | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=22.2%) | | | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio <= 0.440 AND loan_to_income_ratio > 0.999 AND years_employed > 4.350 AND derogatory_marks > 0.500 AND age > 48.500) | | | | | | |--- customer_id != CUST109739 | | | | | | | |--- savings_assets <= 59454.998 | | | | | | | | |--- THEN Ditolak (n=92, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio > 0.440 AND customer_id != CUST109739 AND savings_assets <= 59454.998) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio > 0.440 AND customer_id != CUST109739 AND savings_assets > 59454.998) | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file <= 0.500 AND debt_to_income_ratio > 0.440 AND customer_id == CUST109739) | | | | | |--- THEN Ditolak (n=102, keyakinan=0.0%) | | | | | | (kondisi: credit_score <= 599.500 AND loan_to_income_ratio > 0.302 AND credit_history_years > 5.850 AND loan_intent == Education AND defaults_on_file > 0.500) | |--- debt_to_income_ratio <= 0.499 | | |--- credit_score <= 649.500 | | | |--- credit_history_years <= 4.950 | | | | |--- loan_to_income_ratio <= 0.501 | | | | | |--- debt_to_income_ratio <= 0.355 | | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | |--- loan_intent != Business | | | | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=1,022, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND loan_intent != Business AND defaults_on_file <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=19, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND loan_intent != Business AND defaults_on_file > 0.500) | | | | | | | | | |--- credit_history_years <= 1.550 | | | | | | | | | | |--- THEN Ditolak (n=100, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND loan_intent == Business AND credit_history_years <= 1.550) | | | | | | | | | | |--- THEN Ditolak (n=98, keyakinan=0.6%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND loan_intent == Business AND credit_history_years > 1.550) | | | | | | | | |--- loan_amount <= 2050.001 | | | | | | | | | |--- interest_rate <= 13.800 | | | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_amount <= 2050.001 AND interest_rate <= 13.800) | | | | | | | | | | |--- THEN Ditolak (n=14, keyakinan=7.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_amount <= 2050.001 AND interest_rate > 13.800) | | | | | | | | | |--- loan_to_income_ratio <= 0.186 | | | | | | | | | | |--- THEN Ditolak (n=30, keyakinan=1.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_amount > 2050.001 AND loan_to_income_ratio <= 0.186) | | | | | | | | | | |--- THEN Ditolak (n=95, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_amount > 2050.001 AND loan_to_income_ratio > 0.186) | | | | | | | |--- THEN Ditolak (n=67, keyakinan=0.0%) | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio <= 0.355 AND delinquencies_last_2yrs > 2.500) | | | | | | |--- loan_intent != Education | | | | | | | |--- interest_rate <= 19.125 | | | | | | | | |--- loan_intent != Personal | | | | | | | | | |--- savings_assets <= 1201.500 | | | | | | | | | | |--- THEN Ditolak (n=118, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate <= 19.125 AND loan_intent != Personal AND savings_assets <= 1201.500) | | | | | | | | | | |--- THEN Ditolak (n=20, keyakinan=2.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate <= 19.125 AND loan_intent != Personal AND savings_assets > 1201.500) | | | | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=26, keyakinan=1.9%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate <= 19.125 AND loan_intent == Personal AND delinquencies_last_2yrs <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=24, keyakinan=0.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate <= 19.125 AND loan_intent == Personal AND delinquencies_last_2yrs > 0.500) | | | | | | | | |--- delinquencies_last_2yrs <= 1.500 | | | | | | | | | |--- debt_to_income_ratio <= 0.439 | | | | | | | | | | |--- THEN Ditolak (n=75, keyakinan=0.9%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate > 19.125 AND delinquencies_last_2yrs <= 1.500 AND debt_to_income_ratio <= 0.439) | | | | | | | | | | |--- THEN Ditolak (n=42, keyakinan=0.6%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate > 19.125 AND delinquencies_last_2yrs <= 1.500 AND debt_to_income_ratio > 0.439) | | | | | | | | | |--- customer_id != CUST141392 | | | | | | | | | | |--- THEN Ditolak (n=38, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate > 19.125 AND delinquencies_last_2yrs > 1.500 AND customer_id != CUST141392) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent != Education AND interest_rate > 19.125 AND delinquencies_last_2yrs > 1.500 AND customer_id == CUST141392) | | | | | | | |--- credit_history_years <= 0.250 | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent == Education AND credit_history_years <= 0.250) | | | | | | | | |--- debt_to_income_ratio <= 0.419 | | | | | | | | | |--- customer_id != CUST102473 | | | | | | | | | | |--- THEN Ditolak (n=33, keyakinan=2.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent == Education AND credit_history_years > 0.250 AND debt_to_income_ratio <= 0.419 AND customer_id != CUST102473) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent == Education AND credit_history_years > 0.250 AND debt_to_income_ratio <= 0.419 AND customer_id == CUST102473) | | | | | | | | | |--- credit_history_years <= 0.850 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent == Education AND credit_history_years > 0.250 AND debt_to_income_ratio > 0.419 AND credit_history_years <= 0.850) | | | | | | | | | | |--- THEN Ditolak (n=21, keyakinan=2.9%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio <= 0.501 AND debt_to_income_ratio > 0.355 AND loan_intent == Education AND credit_history_years > 0.250 AND debt_to_income_ratio > 0.419 AND credit_history_years > 0.850) | | | | | |--- loan_intent != Education | | | | | | |--- loan_to_income_ratio <= 1.007 | | | | | | | |--- loan_intent != Personal | | | | | | | | |--- interest_rate <= 19.065 | | | | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=234, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent != Personal AND interest_rate <= 19.065 AND delinquencies_last_2yrs <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=256, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent != Personal AND interest_rate <= 19.065 AND delinquencies_last_2yrs > 0.500) | | | | | | | | | |--- years_employed <= 1.950 | | | | | | | | | | |--- THEN Ditolak (n=197, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent != Personal AND interest_rate > 19.065 AND years_employed <= 1.950) | | | | | | | | | | |--- THEN Ditolak (n=223, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent != Personal AND interest_rate > 19.065 AND years_employed > 1.950) | | | | | | | | |--- debt_to_income_ratio <= 0.389 | | | | | | | | | |--- years_employed <= 1.550 | | | | | | | | | | |--- THEN Ditolak (n=162, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent == Personal AND debt_to_income_ratio <= 0.389 AND years_employed <= 1.550) | | | | | | | | | | |--- THEN Ditolak (n=199, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent == Personal AND debt_to_income_ratio <= 0.389 AND years_employed > 1.550) | | | | | | | | | |--- savings_assets <= 408.500 | | | | | | | | | | |--- THEN Ditolak (n=49, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent == Personal AND debt_to_income_ratio > 0.389 AND savings_assets <= 408.500) | | | | | | | | | | |--- THEN Ditolak (n=18, keyakinan=1.9%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio <= 1.007 AND loan_intent == Personal AND debt_to_income_ratio > 0.389 AND savings_assets > 408.500) | | | | | | | |--- years_employed <= 2.850 | | | | | | | | |--- interest_rate <= 19.825 | | | | | | | | | |--- customer_id != CUST107727 | | | | | | | | | | |--- THEN Ditolak (n=430, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed <= 2.850 AND interest_rate <= 19.825 AND customer_id != CUST107727) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed <= 2.850 AND interest_rate <= 19.825 AND customer_id == CUST107727) | | | | | | | | | |--- loan_intent != Personal | | | | | | | | | | |--- THEN Ditolak (n=79, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed <= 2.850 AND interest_rate > 19.825 AND loan_intent != Personal) | | | | | | | | | | |--- THEN Ditolak (n=43, keyakinan=0.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed <= 2.850 AND interest_rate > 19.825 AND loan_intent == Personal) | | | | | | | | |--- loan_intent != Personal | | | | | | | | | |--- interest_rate <= 20.975 | | | | | | | | | | |--- THEN Ditolak (n=301, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed > 2.850 AND loan_intent != Personal AND interest_rate <= 20.975) | | | | | | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed > 2.850 AND loan_intent != Personal AND interest_rate > 20.975) | | | | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=56, keyakinan=0.9%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed > 2.850 AND loan_intent == Personal AND delinquencies_last_2yrs <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=71, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent != Education AND loan_to_income_ratio > 1.007 AND years_employed > 2.850 AND loan_intent == Personal AND delinquencies_last_2yrs > 0.500) | | | | | | |--- loan_to_income_ratio <= 0.998 | | | | | | | |--- debt_to_income_ratio <= 0.367 | | | | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=247, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio <= 0.998 AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 2.500 AND defaults_on_file <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio <= 0.998 AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs <= 2.500 AND defaults_on_file > 0.500) | | | | | | | | | |--- THEN Ditolak (n=11, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio <= 0.998 AND debt_to_income_ratio <= 0.367 AND delinquencies_last_2yrs > 2.500) | | | | | | | | |--- interest_rate <= 13.940 | | | | | | | | | |--- customer_id != CUST101752 | | | | | | | | | | |--- THEN Ditolak (n=26, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio <= 0.998 AND debt_to_income_ratio > 0.367 AND interest_rate <= 13.940 AND customer_id != CUST101752) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio <= 0.998 AND debt_to_income_ratio > 0.367 AND interest_rate <= 13.940 AND customer_id == CUST101752) | | | | | | | | | |--- credit_history_years <= 1.850 | | | | | | | | | | |--- THEN Ditolak (n=27, keyakinan=1.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio <= 0.998 AND debt_to_income_ratio > 0.367 AND interest_rate > 13.940 AND credit_history_years <= 1.850) | | | | | | | | | | |--- THEN Ditolak (n=24, keyakinan=3.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio <= 0.998 AND debt_to_income_ratio > 0.367 AND interest_rate > 13.940 AND credit_history_years > 1.850) | | | | | | | |--- years_employed <= 2.050 | | | | | | | | |--- interest_rate <= 19.070 | | | | | | | | | |--- occupation_status != Self-Employed | | | | | | | | | | |--- THEN Ditolak (n=69, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed <= 2.050 AND interest_rate <= 19.070 AND occupation_status != Self-Employed) | | | | | | | | | | |--- THEN Ditolak (n=20, keyakinan=1.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed <= 2.050 AND interest_rate <= 19.070 AND occupation_status == Self-Employed) | | | | | | | | | |--- debt_to_income_ratio <= 0.320 | | | | | | | | | | |--- THEN Ditolak (n=33, keyakinan=1.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed <= 2.050 AND interest_rate > 19.070 AND debt_to_income_ratio <= 0.320) | | | | | | | | | | |--- THEN Ditolak (n=13, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed <= 2.050 AND interest_rate > 19.070 AND debt_to_income_ratio > 0.320) | | | | | | | | |--- debt_to_income_ratio <= 0.289 | | | | | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | | | | | |--- THEN Ditolak (n=75, keyakinan=1.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed > 2.050 AND debt_to_income_ratio <= 0.289 AND delinquencies_last_2yrs <= 2.500) | | | | | | | | | | |--- THEN Ditolak (n=6, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed > 2.050 AND debt_to_income_ratio <= 0.289 AND delinquencies_last_2yrs > 2.500) | | | | | | | | | |--- product_type != Personal Loan | | | | | | | | | | |--- THEN Ditolak (n=19, keyakinan=2.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed > 2.050 AND debt_to_income_ratio > 0.289 AND product_type != Personal Loan) | | | | | | | | | | |--- THEN Ditolak (n=24, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years <= 4.950 AND loan_to_income_ratio > 0.501 AND loan_intent == Education AND loan_to_income_ratio > 0.998 AND years_employed > 2.050 AND debt_to_income_ratio > 0.289 AND product_type == Personal Loan) | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | |--- loan_to_income_ratio <= 1.006 | | | | | | |--- debt_to_income_ratio <= 0.364 | | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | | |--- loan_intent != Business | | | | | | | | | | |--- THEN Ditolak (n=2,234, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio <= 0.364 AND defaults_on_file <= 0.500 AND loan_intent != Debt Consolidation AND loan_intent != Business) | | | | | | | | | | |--- THEN Ditolak (n=479, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio <= 0.364 AND defaults_on_file <= 0.500 AND loan_intent != Debt Consolidation AND loan_intent == Business) | | | | | | | | | |--- product_type != Credit Card | | | | | | | | | | |--- THEN Ditolak (n=146, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio <= 0.364 AND defaults_on_file <= 0.500 AND loan_intent == Debt Consolidation AND product_type != Credit Card) | | | | | | | | | | |--- THEN Ditolak (n=127, keyakinan=0.6%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio <= 0.364 AND defaults_on_file <= 0.500 AND loan_intent == Debt Consolidation AND product_type == Credit Card) | | | | | | | | |--- THEN Ditolak (n=53, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio <= 0.364 AND defaults_on_file > 0.500) | | | | | | | |--- loan_intent != Education | | | | | | | | |--- loan_intent != Personal | | | | | | | | | |--- interest_rate <= 14.940 | | | | | | | | | | |--- THEN Ditolak (n=223, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio > 0.364 AND loan_intent != Education AND loan_intent != Personal AND interest_rate <= 14.940) | | | | | | | | | | |--- THEN Ditolak (n=192, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio > 0.364 AND loan_intent != Education AND loan_intent != Personal AND interest_rate > 14.940) | | | | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=203, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio > 0.364 AND loan_intent != Education AND loan_intent == Personal AND defaults_on_file <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio > 0.364 AND loan_intent != Education AND loan_intent == Personal AND defaults_on_file > 0.500) | | | | | | | | |--- interest_rate <= 14.205 | | | | | | | | | |--- debt_to_income_ratio <= 0.446 | | | | | | | | | | |--- THEN Ditolak (n=51, keyakinan=1.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio > 0.364 AND loan_intent == Education AND interest_rate <= 14.205 AND debt_to_income_ratio <= 0.446) | | | | | | | | | | |--- THEN Ditolak (n=26, keyakinan=1.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio > 0.364 AND loan_intent == Education AND interest_rate <= 14.205 AND debt_to_income_ratio > 0.446) | | | | | | | | | |--- THEN Ditolak (n=90, keyakinan=1.1%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio <= 1.006 AND debt_to_income_ratio > 0.364 AND loan_intent == Education AND interest_rate > 14.205) | | | | | | |--- loan_intent != Education | | | | | | | |--- loan_intent != Personal | | | | | | | | |--- years_employed <= 1.950 | | | | | | | | | |--- customer_id != CUST102732 | | | | | | | | | | |--- THEN Ditolak (n=133, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent != Personal AND years_employed <= 1.950 AND customer_id != CUST102732) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent != Personal AND years_employed <= 1.950 AND customer_id == CUST102732) | | | | | | | | | |--- debt_to_income_ratio <= 0.355 | | | | | | | | | | |--- THEN Ditolak (n=457, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent != Personal AND years_employed > 1.950 AND debt_to_income_ratio <= 0.355) | | | | | | | | | | |--- THEN Ditolak (n=125, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent != Personal AND years_employed > 1.950 AND debt_to_income_ratio > 0.355) | | | | | | | | |--- debt_to_income_ratio <= 0.381 | | | | | | | | | |--- years_employed <= 1.950 | | | | | | | | | | |--- THEN Ditolak (n=48, keyakinan=0.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.381 AND years_employed <= 1.950) | | | | | | | | | | |--- THEN Ditolak (n=234, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio <= 0.381 AND years_employed > 1.950) | | | | | | | | | |--- interest_rate <= 19.150 | | | | | | | | | | |--- THEN Ditolak (n=52, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio > 0.381 AND interest_rate <= 19.150) | | | | | | | | | | |--- THEN Ditolak (n=19, keyakinan=3.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent != Education AND loan_intent == Personal AND debt_to_income_ratio > 0.381 AND interest_rate > 19.150) | | | | | | | |--- debt_to_income_ratio <= 0.400 | | | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | | | |--- customer_id != CUST110096 | | | | | | | | | | |--- THEN Ditolak (n=221, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent == Education AND debt_to_income_ratio <= 0.400 AND defaults_on_file <= 0.500 AND customer_id != CUST110096) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent == Education AND debt_to_income_ratio <= 0.400 AND defaults_on_file <= 0.500 AND customer_id == CUST110096) | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent == Education AND debt_to_income_ratio <= 0.400 AND defaults_on_file > 0.500) | | | | | | | | |--- product_type != Personal Loan | | | | | | | | | |--- savings_assets <= 208.000 | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent == Education AND debt_to_income_ratio > 0.400 AND product_type != Personal Loan AND savings_assets <= 208.000) | | | | | | | | | | |--- THEN Ditolak (n=14, keyakinan=6.6%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent == Education AND debt_to_income_ratio > 0.400 AND product_type != Personal Loan AND savings_assets > 208.000) | | | | | | | | | |--- credit_history_years <= 18.150 | | | | | | | | | | |--- THEN Ditolak (n=36, keyakinan=0.6%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent == Education AND debt_to_income_ratio > 0.400 AND product_type == Personal Loan AND credit_history_years <= 18.150) | | | | | | | | | | |--- THEN Ditolak (n=6, keyakinan=13.9%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs <= 2.500 AND loan_to_income_ratio > 1.006 AND loan_intent == Education AND debt_to_income_ratio > 0.400 AND product_type == Personal Loan AND credit_history_years > 18.150) | | | | | |--- THEN Ditolak (n=286, keyakinan=0.0%) | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score <= 649.500 AND credit_history_years > 4.950 AND delinquencies_last_2yrs > 2.500) | | | |--- defaults_on_file <= 0.500 | | | | |--- credit_history_years <= 4.750 | | | | | |--- loan_to_income_ratio <= 1.000 | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | |--- debt_to_income_ratio <= 0.426 | | | | | | | | |--- loan_intent != Business | | | | | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | | | | | |--- THEN Ditolak (n=2,743, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio <= 0.426 AND loan_intent != Business AND delinquencies_last_2yrs <= 2.500) | | | | | | | | | | |--- THEN Ditolak (n=7, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio <= 0.426 AND loan_intent != Business AND delinquencies_last_2yrs > 2.500) | | | | | | | | | |--- credit_score <= 698.500 | | | | | | | | | | |--- THEN Ditolak (n=349, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio <= 0.426 AND loan_intent == Business AND credit_score <= 698.500) | | | | | | | | | | |--- THEN Ditolak (n=253, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio <= 0.426 AND loan_intent == Business AND credit_score > 698.500) | | | | | | | | |--- credit_score <= 699.500 | | | | | | | | | |--- loan_intent != Education | | | | | | | | | | |--- THEN Ditolak (n=175, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio > 0.426 AND credit_score <= 699.500 AND loan_intent != Education) | | | | | | | | | | |--- THEN Ditolak (n=44, keyakinan=2.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio > 0.426 AND credit_score <= 699.500 AND loan_intent == Education) | | | | | | | | | |--- loan_to_income_ratio <= 0.514 | | | | | | | | | | |--- THEN Ditolak (n=66, keyakinan=1.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio > 0.426 AND credit_score > 699.500 AND loan_to_income_ratio <= 0.514) | | | | | | | | | | |--- THEN Ditolak (n=55, keyakinan=1.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent != Debt Consolidation AND debt_to_income_ratio > 0.426 AND credit_score > 699.500 AND loan_to_income_ratio > 0.514) | | | | | | | |--- payment_to_income_ratio <= 0.120 | | | | | | | | |--- debt_to_income_ratio <= 0.442 | | | | | | | | | |--- delinquencies_last_2yrs <= 0.500 | | | | | | | | | | |--- THEN Ditolak (n=125, keyakinan=0.7%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio <= 0.120 AND debt_to_income_ratio <= 0.442 AND delinquencies_last_2yrs <= 0.500) | | | | | | | | | | |--- THEN Ditolak (n=21, keyakinan=2.7%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio <= 0.120 AND debt_to_income_ratio <= 0.442 AND delinquencies_last_2yrs > 0.500) | | | | | | | | | |--- savings_assets <= 27.000 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=22.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio <= 0.120 AND debt_to_income_ratio > 0.442 AND savings_assets <= 27.000) | | | | | | | | | | |--- THEN Ditolak (n=10, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio <= 0.120 AND debt_to_income_ratio > 0.442 AND savings_assets > 27.000) | | | | | | | | |--- credit_score <= 696.500 | | | | | | | | | |--- interest_rate <= 17.270 | | | | | | | | | | |--- THEN Ditolak (n=102, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio > 0.120 AND credit_score <= 696.500 AND interest_rate <= 17.270) | | | | | | | | | | |--- THEN Ditolak (n=64, keyakinan=0.7%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio > 0.120 AND credit_score <= 696.500 AND interest_rate > 17.270) | | | | | | | | | |--- debt_to_income_ratio <= 0.359 | | | | | | | | | | |--- THEN Ditolak (n=86, keyakinan=1.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio > 0.120 AND credit_score > 696.500 AND debt_to_income_ratio <= 0.359) | | | | | | | | | | |--- THEN Ditolak (n=21, keyakinan=1.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio <= 1.000 AND loan_intent == Debt Consolidation AND payment_to_income_ratio > 0.120 AND credit_score > 696.500 AND debt_to_income_ratio > 0.359) | | | | | | |--- years_employed <= 2.050 | | | | | | | |--- credit_score <= 699.500 | | | | | | | | |--- loan_intent != Education | | | | | | | | | |--- loan_intent != Personal | | | | | | | | | | |--- THEN Ditolak (n=250, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score <= 699.500 AND loan_intent != Education AND loan_intent != Personal) | | | | | | | | | | |--- THEN Ditolak (n=120, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score <= 699.500 AND loan_intent != Education AND loan_intent == Personal) | | | | | | | | | |--- savings_assets <= 29.000 | | | | | | | | | | |--- THEN Ditolak (n=17, keyakinan=1.7%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score <= 699.500 AND loan_intent == Education AND savings_assets <= 29.000) | | | | | | | | | | |--- THEN Ditolak (n=68, keyakinan=1.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score <= 699.500 AND loan_intent == Education AND savings_assets > 29.000) | | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | | |--- loan_intent != Business | | | | | | | | | | |--- THEN Ditolak (n=138, keyakinan=0.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score > 699.500 AND loan_intent != Debt Consolidation AND loan_intent != Business) | | | | | | | | | | |--- THEN Ditolak (n=23, keyakinan=1.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score > 699.500 AND loan_intent != Debt Consolidation AND loan_intent == Business) | | | | | | | | | |--- customer_id != CUST116574 | | | | | | | | | | |--- THEN Ditolak (n=15, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score > 699.500 AND loan_intent == Debt Consolidation AND customer_id != CUST116574) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed <= 2.050 AND credit_score > 699.500 AND loan_intent == Debt Consolidation AND customer_id == CUST116574) | | | | | | | |--- credit_score <= 699.500 | | | | | | | | |--- debt_to_income_ratio <= 0.359 | | | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | | | |--- THEN Ditolak (n=344, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score <= 699.500 AND debt_to_income_ratio <= 0.359 AND loan_intent != Debt Consolidation) | | | | | | | | | | |--- THEN Ditolak (n=36, keyakinan=0.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score <= 699.500 AND debt_to_income_ratio <= 0.359 AND loan_intent == Debt Consolidation) | | | | | | | | | |--- loan_intent != Education | | | | | | | | | | |--- THEN Ditolak (n=85, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score <= 699.500 AND debt_to_income_ratio > 0.359 AND loan_intent != Education) | | | | | | | | | | |--- THEN Ditolak (n=22, keyakinan=3.7%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score <= 699.500 AND debt_to_income_ratio > 0.359 AND loan_intent == Education) | | | | | | | | |--- debt_to_income_ratio <= 0.413 | | | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | | | |--- THEN Ditolak (n=291, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score > 699.500 AND debt_to_income_ratio <= 0.413 AND loan_intent != Debt Consolidation) | | | | | | | | | | |--- THEN Ditolak (n=27, keyakinan=2.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score > 699.500 AND debt_to_income_ratio <= 0.413 AND loan_intent == Debt Consolidation) | | | | | | | | | |--- payment_to_income_ratio <= 0.450 | | | | | | | | | | |--- THEN Ditolak (n=18, keyakinan=4.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score > 699.500 AND debt_to_income_ratio > 0.413 AND payment_to_income_ratio <= 0.450) | | | | | | | | | | |--- THEN Ditolak (n=16, keyakinan=2.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years <= 4.750 AND loan_to_income_ratio > 1.000 AND years_employed > 2.050 AND credit_score > 699.500 AND debt_to_income_ratio > 0.413 AND payment_to_income_ratio > 0.450) | | | | | |--- debt_to_income_ratio <= 0.443 | | | | | | |--- delinquencies_last_2yrs <= 2.500 | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | |--- payment_to_income_ratio <= 0.364 | | | | | | | | | |--- debt_to_income_ratio <= 0.360 | | | | | | | | | | |--- THEN Ditolak (n=5,933, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND payment_to_income_ratio <= 0.364 AND debt_to_income_ratio <= 0.360) | | | | | | | | | | |--- THEN Ditolak (n=1,129, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND payment_to_income_ratio <= 0.364 AND debt_to_income_ratio > 0.360) | | | | | | | | | |--- years_employed <= 1.350 | | | | | | | | | | |--- THEN Ditolak (n=177, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND payment_to_income_ratio > 0.364 AND years_employed <= 1.350) | | | | | | | | | | |--- THEN Ditolak (n=1,606, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent != Debt Consolidation AND payment_to_income_ratio > 0.364 AND years_employed > 1.350) | | | | | | | | |--- loan_to_income_ratio <= 0.999 | | | | | | | | | |--- credit_score <= 699.500 | | | | | | | | | | |--- THEN Ditolak (n=435, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_to_income_ratio <= 0.999 AND credit_score <= 699.500) | | | | | | | | | | |--- THEN Ditolak (n=334, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_to_income_ratio <= 0.999 AND credit_score > 699.500) | | | | | | | | | |--- credit_score <= 699.500 | | | | | | | | | | |--- THEN Ditolak (n=137, keyakinan=0.4%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_to_income_ratio > 0.999 AND credit_score <= 699.500) | | | | | | | | | | |--- THEN Ditolak (n=97, keyakinan=0.9%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs <= 2.500 AND loan_intent == Debt Consolidation AND loan_to_income_ratio > 0.999 AND credit_score > 699.500) | | | | | | | |--- THEN Ditolak (n=23, keyakinan=0.0%) | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio <= 0.443 AND delinquencies_last_2yrs > 2.500) | | | | | | |--- loan_to_income_ratio <= 1.147 | | | | | | | |--- credit_score <= 699.500 | | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | | |--- loan_intent != Business | | | | | | | | | | |--- THEN Ditolak (n=258, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score <= 699.500 AND loan_intent != Debt Consolidation AND loan_intent != Business) | | | | | | | | | | |--- THEN Ditolak (n=65, keyakinan=0.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score <= 699.500 AND loan_intent != Debt Consolidation AND loan_intent == Business) | | | | | | | | | |--- years_employed <= 19.100 | | | | | | | | | | |--- THEN Ditolak (n=20, keyakinan=1.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score <= 699.500 AND loan_intent == Debt Consolidation AND years_employed <= 19.100) | | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=16.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score <= 699.500 AND loan_intent == Debt Consolidation AND years_employed > 19.100) | | | | | | | | |--- loan_intent != Debt Consolidation | | | | | | | | | |--- customer_id != CUST105103 | | | | | | | | | | |--- THEN Ditolak (n=208, keyakinan=0.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score > 699.500 AND loan_intent != Debt Consolidation AND customer_id != CUST105103) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score > 699.500 AND loan_intent != Debt Consolidation AND customer_id == CUST105103) | | | | | | | | | |--- current_debt <= 14798.000 | | | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score > 699.500 AND loan_intent == Debt Consolidation AND current_debt <= 14798.000) | | | | | | | | | | |--- THEN Ditolak (n=20, keyakinan=4.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio <= 1.147 AND credit_score > 699.500 AND loan_intent == Debt Consolidation AND current_debt > 14798.000) | | | | | | | |--- credit_score <= 708.500 | | | | | | | | |--- loan_intent != Education | | | | | | | | | |--- loan_intent != Personal | | | | | | | | | | |--- THEN Ditolak (n=35, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score <= 708.500 AND loan_intent != Education AND loan_intent != Personal) | | | | | | | | | | |--- THEN Ditolak (n=18, keyakinan=2.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score <= 708.500 AND loan_intent != Education AND loan_intent == Personal) | | | | | | | | | |--- savings_assets <= 567.500 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score <= 708.500 AND loan_intent == Education AND savings_assets <= 567.500) | | | | | | | | | | |--- THEN Ditolak (n=10, keyakinan=10.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score <= 708.500 AND loan_intent == Education AND savings_assets > 567.500) | | | | | | | | |--- credit_history_years <= 6.950 | | | | | | | | | |--- customer_id != CUST141271 | | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score > 708.500 AND credit_history_years <= 6.950 AND customer_id != CUST141271) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score > 708.500 AND credit_history_years <= 6.950 AND customer_id == CUST141271) | | | | | | | | | |--- years_employed <= 1.650 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=11.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score > 708.500 AND credit_history_years > 6.950 AND years_employed <= 1.650) | | | | | | | | | | |--- THEN Ditolak (n=33, keyakinan=2.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file <= 0.500 AND credit_history_years > 4.750 AND debt_to_income_ratio > 0.443 AND loan_to_income_ratio > 1.147 AND credit_score > 708.500 AND credit_history_years > 6.950 AND years_employed > 1.650) | | | | |--- THEN Ditolak (n=314, keyakinan=0.0%) | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio <= 0.499 AND credit_score > 649.500 AND defaults_on_file > 0.500) | | |--- debt_to_income_ratio <= 0.550 | | | |--- credit_score <= 698.500 | | | | |--- payment_to_income_ratio <= 0.100 | | | | | |--- credit_history_years <= 6.350 | | | | | | |--- loan_intent != Education | | | | | | | |--- customer_id != CUST131735 | | | | | | | | |--- customer_id != CUST124190 | | | | | | | | | |--- customer_id != CUST131554 | | | | | | | | | | |--- THEN Ditolak (n=63, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent != Education AND customer_id != CUST131735 AND customer_id != CUST124190 AND customer_id != CUST131554) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent != Education AND customer_id != CUST131735 AND customer_id != CUST124190 AND customer_id == CUST131554) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent != Education AND customer_id != CUST131735 AND customer_id == CUST124190) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent != Education AND customer_id == CUST131735) | | | | | | | |--- credit_history_years <= 1.800 | | | | | | | | |--- payment_to_income_ratio <= 0.066 | | | | | | | | | |--- THEN Ditolak (n=8, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent == Education AND credit_history_years <= 1.800 AND payment_to_income_ratio <= 0.066) | | | | | | | | | |--- debt_to_income_ratio <= 0.508 | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent == Education AND credit_history_years <= 1.800 AND payment_to_income_ratio > 0.066 AND debt_to_income_ratio <= 0.508) | | | | | | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent == Education AND credit_history_years <= 1.800 AND payment_to_income_ratio > 0.066 AND debt_to_income_ratio > 0.508) | | | | | | | | |--- savings_assets <= 1564.500 | | | | | | | | | |--- THEN Ditolak (n=6, keyakinan=16.7%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent == Education AND credit_history_years > 1.800 AND savings_assets <= 1564.500) | | | | | | | | | |--- credit_history_years <= 4.850 | | | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent == Education AND credit_history_years > 1.800 AND savings_assets > 1564.500 AND credit_history_years <= 4.850) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years <= 6.350 AND loan_intent == Education AND credit_history_years > 1.800 AND savings_assets > 1564.500 AND credit_history_years > 4.850) | | | | | | |--- credit_score <= 656.000 | | | | | | | |--- age <= 27.500 | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=33.3%) | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score <= 656.000 AND age <= 27.500) | | | | | | | | |--- loan_to_income_ratio <= 0.284 | | | | | | | | | |--- current_debt <= 14249.000 | | | | | | | | | | |--- THEN Ditolak (n=15, keyakinan=3.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score <= 656.000 AND age > 27.500 AND loan_to_income_ratio <= 0.284 AND current_debt <= 14249.000) | | | | | | | | | | |--- THEN Ditolak (n=43, keyakinan=0.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score <= 656.000 AND age > 27.500 AND loan_to_income_ratio <= 0.284 AND current_debt > 14249.000) | | | | | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score <= 656.000 AND age > 27.500 AND loan_to_income_ratio > 0.284) | | | | | | | |--- loan_intent != Business | | | | | | | | |--- payment_to_income_ratio <= 0.027 | | | | | | | | | |--- occupation_status != Employed | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=22.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score > 656.000 AND loan_intent != Business AND payment_to_income_ratio <= 0.027 AND occupation_status != Employed) | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score > 656.000 AND loan_intent != Business AND payment_to_income_ratio <= 0.027 AND occupation_status == Employed) | | | | | | | | | |--- years_employed <= 23.100 | | | | | | | | | | |--- THEN Ditolak (n=31, keyakinan=2.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score > 656.000 AND loan_intent != Business AND payment_to_income_ratio > 0.027 AND years_employed <= 23.100) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score > 656.000 AND loan_intent != Business AND payment_to_income_ratio > 0.027 AND years_employed > 23.100) | | | | | | | | |--- interest_rate <= 17.675 | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score > 656.000 AND loan_intent == Business AND interest_rate <= 17.675) | | | | | | | | | |--- customer_id != CUST103652 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=33.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score > 656.000 AND loan_intent == Business AND interest_rate > 17.675 AND customer_id != CUST103652) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio <= 0.100 AND credit_history_years > 6.350 AND credit_score > 656.000 AND loan_intent == Business AND interest_rate > 17.675 AND customer_id == CUST103652) | | | | | |--- credit_score <= 667.500 | | | | | | |--- loan_intent != Education | | | | | | | |--- customer_id != CUST104591 | | | | | | | | |--- customer_id != CUST103043 | | | | | | | | | |--- customer_id != CUST107813 | | | | | | | | | | |--- THEN Ditolak (n=372, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent != Education AND customer_id != CUST104591 AND customer_id != CUST103043 AND customer_id != CUST107813) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent != Education AND customer_id != CUST104591 AND customer_id != CUST103043 AND customer_id == CUST107813) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent != Education AND customer_id != CUST104591 AND customer_id == CUST103043) | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent != Education AND customer_id == CUST104591) | | | | | | | |--- years_employed <= 3.550 | | | | | | | | |--- customer_id != CUST136485 | | | | | | | | | |--- THEN Ditolak (n=43, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent == Education AND years_employed <= 3.550 AND customer_id != CUST136485) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent == Education AND years_employed <= 3.550 AND customer_id == CUST136485) | | | | | | | | |--- savings_assets <= 12198.000 | | | | | | | | | |--- loan_to_income_ratio <= 0.909 | | | | | | | | | | |--- THEN Ditolak (n=27, keyakinan=1.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent == Education AND years_employed > 3.550 AND savings_assets <= 12198.000 AND loan_to_income_ratio <= 0.909) | | | | | | | | | | |--- THEN Ditolak (n=18, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent == Education AND years_employed > 3.550 AND savings_assets <= 12198.000 AND loan_to_income_ratio > 0.909) | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=33.3%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score <= 667.500 AND loan_intent == Education AND years_employed > 3.550 AND savings_assets > 12198.000) | | | | | | |--- interest_rate <= 17.625 | | | | | | | |--- loan_intent != Education | | | | | | | | |--- years_employed <= 28.050 | | | | | | | | | |--- customer_id != CUST146924 | | | | | | | | | | |--- THEN Ditolak (n=108, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent != Education AND years_employed <= 28.050 AND customer_id != CUST146924) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent != Education AND years_employed <= 28.050 AND customer_id == CUST146924) | | | | | | | | | |--- credit_history_years <= 23.500 | | | | | | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent != Education AND years_employed > 28.050 AND credit_history_years <= 23.500) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent != Education AND years_employed > 28.050 AND credit_history_years > 23.500) | | | | | | | | |--- savings_assets <= 3848.500 | | | | | | | | | |--- interest_rate <= 17.110 | | | | | | | | | | |--- THEN Ditolak (n=19, keyakinan=0.6%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent == Education AND savings_assets <= 3848.500 AND interest_rate <= 17.110) | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=22.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent == Education AND savings_assets <= 3848.500 AND interest_rate > 17.110) | | | | | | | | | |--- loan_amount <= 87749.999 | | | | | | | | | | |--- THEN Ditolak (n=6, keyakinan=16.7%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent == Education AND savings_assets > 3848.500 AND loan_amount <= 87749.999) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate <= 17.625 AND loan_intent == Education AND savings_assets > 3848.500 AND loan_amount > 87749.999) | | | | | | | |--- age <= 37.000 | | | | | | | | |--- loan_amount <= 21600.000 | | | | | | | | | |--- savings_assets <= 200.000 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate > 17.625 AND age <= 37.000 AND loan_amount <= 21600.000 AND savings_assets <= 200.000) | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=33.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate > 17.625 AND age <= 37.000 AND loan_amount <= 21600.000 AND savings_assets > 200.000) | | | | | | | | | |--- customer_id != CUST144789 | | | | | | | | | | |--- THEN Ditolak (n=21, keyakinan=0.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate > 17.625 AND age <= 37.000 AND loan_amount > 21600.000 AND customer_id != CUST144789) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate > 17.625 AND age <= 37.000 AND loan_amount > 21600.000 AND customer_id == CUST144789) | | | | | | | | |--- years_employed <= 0.950 | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate > 17.625 AND age > 37.000 AND years_employed <= 0.950) | | | | | | | | | |--- debt_to_income_ratio <= 0.525 | | | | | | | | | | |--- THEN Ditolak (n=15, keyakinan=6.7%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate > 17.625 AND age > 37.000 AND years_employed > 0.950 AND debt_to_income_ratio <= 0.525) | | | | | | | | | | |--- THEN Ditolak (n=12, keyakinan=3.5%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score <= 698.500 AND payment_to_income_ratio > 0.100 AND credit_score > 667.500 AND interest_rate > 17.625 AND age > 37.000 AND years_employed > 0.950 AND debt_to_income_ratio > 0.525) | | | | |--- loan_to_income_ratio <= 0.497 | | | | | |--- credit_history_years <= 5.050 | | | | | | |--- loan_to_income_ratio <= 0.271 | | | | | | | |--- credit_history_years <= 0.350 | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio <= 0.271 AND credit_history_years <= 0.350) | | | | | | | | |--- customer_id != CUST149823 | | | | | | | | | |--- customer_id != CUST147888 | | | | | | | | | | |--- THEN Ditolak (n=16, keyakinan=6.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio <= 0.271 AND credit_history_years > 0.350 AND customer_id != CUST149823 AND customer_id != CUST147888) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio <= 0.271 AND credit_history_years > 0.350 AND customer_id != CUST149823 AND customer_id == CUST147888) | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio <= 0.271 AND credit_history_years > 0.350 AND customer_id == CUST149823) | | | | | | | |--- debt_to_income_ratio <= 0.537 | | | | | | | | |--- credit_score <= 752.500 | | | | | | | | | |--- THEN Ditolak (n=9, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio > 0.271 AND debt_to_income_ratio <= 0.537 AND credit_score <= 752.500) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio > 0.271 AND debt_to_income_ratio <= 0.537 AND credit_score > 752.500) | | | | | | | | |--- interest_rate <= 14.655 | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=25.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio > 0.271 AND debt_to_income_ratio > 0.537 AND interest_rate <= 14.655) | | | | | | | | | |--- THEN Ditolak (n=2, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years <= 5.050 AND loan_to_income_ratio > 0.271 AND debt_to_income_ratio > 0.537 AND interest_rate > 14.655) | | | | | | |--- defaults_on_file <= 0.500 | | | | | | | |--- credit_score <= 704.500 | | | | | | | | |--- age <= 38.000 | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years > 5.050 AND defaults_on_file <= 0.500 AND credit_score <= 704.500 AND age <= 38.000) | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=25.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years > 5.050 AND defaults_on_file <= 0.500 AND credit_score <= 704.500 AND age > 38.000) | | | | | | | | |--- customer_id != CUST113789 | | | | | | | | | |--- customer_id != CUST138511 | | | | | | | | | | |--- THEN Ditolak (n=77, keyakinan=1.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years > 5.050 AND defaults_on_file <= 0.500 AND credit_score > 704.500 AND customer_id != CUST113789 AND customer_id != CUST138511) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years > 5.050 AND defaults_on_file <= 0.500 AND credit_score > 704.500 AND customer_id != CUST113789 AND customer_id == CUST138511) | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years > 5.050 AND defaults_on_file <= 0.500 AND credit_score > 704.500 AND customer_id == CUST113789) | | | | | | | |--- THEN Ditolak (n=3, keyakinan=0.0%) | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio <= 0.497 AND credit_history_years > 5.050 AND defaults_on_file > 0.500) | | | | | |--- credit_history_years <= 13.050 | | | | | | |--- loan_intent != Education | | | | | | | |--- loan_intent != Personal | | | | | | | | |--- customer_id != CUST116118 | | | | | | | | | |--- customer_id != CUST135193 | | | | | | | | | | |--- THEN Ditolak (n=71, keyakinan=0.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent != Education AND loan_intent != Personal AND customer_id != CUST116118 AND customer_id != CUST135193) | | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent != Education AND loan_intent != Personal AND customer_id != CUST116118 AND customer_id == CUST135193) | | | | | | | | | |--- THEN Disetujui (n=1, keyakinan=100.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent != Education AND loan_intent != Personal AND customer_id == CUST116118) | | | | | | | | |--- years_employed <= 7.150 | | | | | | | | | |--- payment_to_income_ratio <= 0.249 | | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=18.8%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent != Education AND loan_intent == Personal AND years_employed <= 7.150 AND payment_to_income_ratio <= 0.249) | | | | | | | | | | |--- THEN Ditolak (n=11, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent != Education AND loan_intent == Personal AND years_employed <= 7.150 AND payment_to_income_ratio > 0.249) | | | | | | | | | |--- debt_to_income_ratio <= 0.508 | | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=11.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent != Education AND loan_intent == Personal AND years_employed > 7.150 AND debt_to_income_ratio <= 0.508) | | | | | | | | | | |--- THEN Ditolak (n=10, keyakinan=10.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent != Education AND loan_intent == Personal AND years_employed > 7.150 AND debt_to_income_ratio > 0.508) | | | | | | | |--- credit_score <= 755.500 | | | | | | | | |--- loan_to_income_ratio <= 0.622 | | | | | | | | | |--- THEN Ditolak (n=3, keyakinan=33.3%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent == Education AND credit_score <= 755.500 AND loan_to_income_ratio <= 0.622) | | | | | | | | | |--- annual_income <= 27864.999 | | | | | | | | | | |--- THEN Disetujui (n=2, keyakinan=50.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent == Education AND credit_score <= 755.500 AND loan_to_income_ratio > 0.622 AND annual_income <= 27864.999) | | | | | | | | | | |--- THEN Ditolak (n=15, keyakinan=1.3%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent == Education AND credit_score <= 755.500 AND loan_to_income_ratio > 0.622 AND annual_income > 27864.999) | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=20.0%) | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years <= 13.050 AND loan_intent == Education AND credit_score > 755.500) | | | | | | |--- years_employed <= 1.800 | | | | | | | |--- THEN Ditolak (n=6, keyakinan=0.0%) | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed <= 1.800) | | | | | | | |--- loan_to_income_ratio <= 1.164 | | | | | | | | |--- years_employed <= 20.500 | | | | | | | | | |--- customer_id != CUST106603 | | | | | | | | | | |--- THEN Ditolak (n=37, keyakinan=2.6%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed > 1.800 AND loan_to_income_ratio <= 1.164 AND years_employed <= 20.500 AND customer_id != CUST106603) | | | | | | | | | | |--- THEN Ditolak (n=1, keyakinan=0.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed > 1.800 AND loan_to_income_ratio <= 1.164 AND years_employed <= 20.500 AND customer_id == CUST106603) | | | | | | | | | |--- payment_to_income_ratio <= 0.244 | | | | | | | | | | |--- THEN Ditolak (n=7, keyakinan=4.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed > 1.800 AND loan_to_income_ratio <= 1.164 AND years_employed > 20.500 AND payment_to_income_ratio <= 0.244) | | | | | | | | | | |--- THEN Ditolak (n=5, keyakinan=20.0%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed > 1.800 AND loan_to_income_ratio <= 1.164 AND years_employed > 20.500 AND payment_to_income_ratio > 0.244) | | | | | | | | |--- years_employed <= 9.350 | | | | | | | | | |--- THEN Ditolak (n=7, keyakinan=0.0%) | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed > 1.800 AND loan_to_income_ratio > 1.164 AND years_employed <= 9.350) | | | | | | | | | |--- credit_history_years <= 19.250 | | | | | | | | | | |--- THEN Ditolak (n=9, keyakinan=11.1%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed > 1.800 AND loan_to_income_ratio > 1.164 AND years_employed > 9.350 AND credit_history_years <= 19.250) | | | | | | | | | | |--- THEN Ditolak (n=4, keyakinan=6.2%) | | | | | | | | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio <= 0.550 AND credit_score > 698.500 AND loan_to_income_ratio > 0.497 AND credit_history_years > 13.050 AND years_employed > 1.800 AND loan_to_income_ratio > 1.164 AND years_employed > 9.350 AND credit_history_years > 19.250) | | | |--- THEN Ditolak (n=2,093, keyakinan=0.0%) | | | | (kondisi: credit_score > 599.500 AND debt_to_income_ratio > 0.499 AND debt_to_income_ratio > 0.550)
Metodologi
- Data uji berisi 10,000 nasabah dengan
customer_iddi luar kategori yang dipakai saat pelatihan, sehingga murni data yang belum pernah dilihat model. - Metrik: Akurasi, Balanced Accuracy (menyeimbangkan kelas tidak seimbang), F1-Macro, dan ROC-AUC (kemampuan pemisahan kelas).
- Pipeline Logistic Regression dan Decision Tree dilatih dengan menyertakan
customer_idsebagai fitur kategorikal; untuk nasabah baru id tersebut tidak pernah dikenal model sehingga bobotnya nol, karena itu id tidak dipakai sebagai dasar fitur paling berpengaruh. - Ambang batas pada aturan pohon dikembalikan ke satuan asli dengan membalik proses StandardScaler.