J48 pruned tree ------------------ checking_status = <0 | foreign_worker = yes | | duration <= 11 | | | existing_credits <= 1 | | | | property_magnitude = real estate: good (8.0/1.0) | | | | property_magnitude = life insurance | | | | | own_telephone = none: bad (2.0) | | | | | own_telephone = yes: good (4.0) | | | | property_magnitude = car: good (2.0/1.0) | | | | property_magnitude = no known property: bad (3.0) | | | existing_credits > 1: good (14.0) | | duration > 11 | | | job = unemp/unskilled non res: bad (5.0/1.0) | | | job = unskilled resident | | | | purpose = new car | | | | | own_telephone = none: bad (10.0/2.0) | | | | | own_telephone = yes: good (2.0) | | | | purpose = used car: bad (1.0) | | | | purpose = furniture/equipment | | | | | employment = unemployed: good (0.0) | | | | | employment = <1: bad (3.0) | | | | | employment = 1<=X<4: good (4.0) | | | | | employment = 4<=X<7: good (1.0) | | | | | employment = >=7: good (2.0) | | | | purpose = radio/tv | | | | | existing_credits <= 1: bad (10.0/3.0) | | | | | existing_credits > 1: good (2.0) | | | | purpose = domestic appliance: bad (1.0) | | | | purpose = repairs: bad (1.0) | | | | purpose = education: bad (1.0) | | | | purpose = vacation: bad (0.0) | | | | purpose = retraining: good (1.0) | | | | purpose = business: good (3.0) | | | | purpose = other: good (1.0) | | | job = skilled | | | | other_parties = none | | | | | duration <= 30 | | | | | | savings_status = <100 | | | | | | | credit_history = no credits/all paid: bad (8.0/1.0) | | | | | | | credit_history = all paid: bad (6.0) | | | | | | | credit_history = existing paid | | | | | | | | own_telephone = none | | | | | | | | | existing_credits <= 1 | | | | | | | | | | property_magnitude = real estate | | | | | | | | | | | age <= 26: bad (5.0) | | | | | | | | | | | age > 26: good (2.0) | | | | | | | | | | property_magnitude = life insurance: bad (7.0/2.0) | | | | | | | | | | property_magnitude = car | | | | | | | | | | | credit_amount <= 1386: bad (3.0) | | | | | | | | | | | credit_amount > 1386: good (11.0/1.0) | | | | | | | | | | property_magnitude = no known property: good (2.0) | | | | | | | | | existing_credits > 1: bad (3.0) | | | | | | | | own_telephone = yes: bad (5.0) | | | | | | | credit_history = delayed previously: bad (4.0) | | | | | | | credit_history = critical/other existing credit: good (14.0/4.0) | | | | | | savings_status = 100<=X<500 | | | | | | | credit_history = no credits/all paid: good (0.0) | | | | | | | credit_history = all paid: good (1.0) | | | | | | | credit_history = existing paid: bad (3.0) | | | | | | | credit_history = delayed previously: good (0.0) | | | | | | | credit_history = critical/other existing credit: good (2.0) | | | | | | savings_status = 500<=X<1000: good (4.0/1.0) | | | | | | savings_status = >=1000: good (4.0) | | | | | | savings_status = no known savings | | | | | | | existing_credits <= 1 | | | | | | | | own_telephone = none: bad (9.0/1.0) | | | | | | | | own_telephone = yes: good (4.0/1.0) | | | | | | | existing_credits > 1: good (2.0) | | | | | duration > 30: bad (30.0/3.0) | | | | other_parties = co applicant: bad (7.0/1.0) | | | | other_parties = guarantor: good (12.0/3.0) | | | job = high qualif/self emp/mgmt: good (30.0/8.0) | foreign_worker = no: good (15.0/2.0) checking_status = 0<=X<200 | credit_amount <= 9857 | | savings_status = <100 | | | other_parties = none | | | | duration <= 42 | | | | | personal_status = male div/sep: bad (8.0/2.0) | | | | | personal_status = female div/dep/mar | | | | | | purpose = new car: bad (5.0/1.0) | | | | | | purpose = used car: bad (1.0) | | | | | | purpose = furniture/equipment | | | | | | | duration <= 10: bad (3.0) | | | | | | | duration > 10 | | | | | | | | duration <= 21: good (6.0/1.0) | | | | | | | | duration > 21: bad (2.0) | | | | | | purpose = radio/tv: good (8.0/2.0) | | | | | | purpose = domestic appliance: good (0.0) | | | | | | purpose = repairs: good (1.0) | | | | | | purpose = education: good (4.0/2.0) | | | | | | purpose = vacation: good (0.0) | | | | | | purpose = retraining: good (0.0) | | | | | | purpose = business | | | | | | | residence_since <= 2: good (3.0) | | | | | | | residence_since > 2: bad (2.0) | | | | | | purpose = other: good (0.0) | | | | | personal_status = male single: good (52.0/15.0) | | | | | personal_status = male mar/wid | | | | | | duration <= 10: good (6.0) | | | | | | duration > 10: bad (10.0/3.0) | | | | | personal_status = female single: good (0.0) | | | | duration > 42: bad (7.0) | | | other_parties = co applicant: good (2.0) | | | other_parties = guarantor | | | | purpose = new car: bad (2.0) | | | | purpose = used car: good (0.0) | | | | purpose = furniture/equipment: good (0.0) | | | | purpose = radio/tv: good (18.0/1.0) | | | | purpose = domestic appliance: good (0.0) | | | | purpose = repairs: good (0.0) | | | | purpose = education: good (0.0) | | | | purpose = vacation: good (0.0) | | | | purpose = retraining: good (0.0) | | | | purpose = business: good (0.0) | | | | purpose = other: good (0.0) | | savings_status = 100<=X<500 | | | purpose = new car: bad (15.0/5.0) | | | purpose = used car: good (3.0) | | | purpose = furniture/equipment: bad (4.0/1.0) | | | purpose = radio/tv: bad (8.0/2.0) | | | purpose = domestic appliance: good (0.0) | | | purpose = repairs: good (2.0) | | | purpose = education: good (0.0) | | | purpose = vacation: good (0.0) | | | purpose = retraining: good (0.0) | | | purpose = business | | | | housing = rent | | | | | existing_credits <= 1: good (2.0) | | | | | existing_credits > 1: bad (2.0) | | | | housing = own: good (6.0) | | | | housing = for free: bad (1.0) | | | purpose = other: good (1.0) | | savings_status = 500<=X<1000: good (11.0/3.0) | | savings_status = >=1000: good (13.0/3.0) | | savings_status = no known savings: good (41.0/5.0) | credit_amount > 9857: bad (20.0/3.0) checking_status = >=200: good (63.0/14.0) checking_status = no checking: good (394.0/46.0) Number of Leaves : 103 Size of the tree : 140 === Error on training data === Correctly Classified Instances 855 85.5 % Incorrectly Classified Instances 145 14.5 % Mean absolute error 0.2312 Root mean squared error 0.34 Total Number of Instances 1000 === Confusion Matrix === a b <-- classified as 669 31 | a = good 114 186 | b = bad === Stratified cross-validation === Correctly Classified Instances 697 69.7 % Incorrectly Classified Instances 303 30.3 % Mean absolute error 0.3543 Root mean squared error 0.4922 Total Number of Instances 1000 === Confusion Matrix === a b <-- classified as 590 110 | a = good 193 107 | b = bad