CREDIT EDA

CASE STUDY
Aparna Trivedi
Ashish Nipane
DS C29
 PROPORTION OF There is a clear imbalance.

DEFAULTERS & NON- There are about 8% of the applicants defaulting

in their payments while 91.92% of them have

DEFAULTERS
been successfully making their payments.
PROPORTION OF DEFAULTERS The distribution for both defaulters and non-
& NON-DEFAULTERS BY defaulters is quite similar with respect to family
status.
FAMILY STATUS
PROPORTION OF • Females default more than males.

DEFAULTERS & NON- • Another point to notice is that the number

female applicants is also higher than the

DEFAULTERS BY GENDER male applicants.

PROPORTION OF DEFAULTERS
Applicants who are Students generally do not
default maybe because they are not required to repay
loans on immediate basis.
& NON-DEFAULTERS BY Applicants involved in Businesses also do not
default.
INCOME TYPE Applicants under the working class apply for the
maximum loans and are also defaulting the most.
PROPORTION OF DEFAULTERS We can see that age group 29-34 tend to default
& NON-DEFAULTERS BY more. Hence can be considered the riskiest class
of people from the lending point of view.
INCOME TYPE
PROPORTION OF DEFAULTERS Applicants with very high income tend to
& NON-DEFAULTERS BY default less on their loans, while the medium
earners are the highest defaulters.
INCOME GROUP
 PROPORTION OF DEFAULTERS &
NON-DEFAULTERS BY RATING OF More people from second tier regions tend to

THE REGION WHERE THE CLIENT apply for loans.

LIVES
PROPORTION OF DEFAULTERS
Higher Education defaults less.
& NON-DEFAULTERS BY
EDUCATION TYPE
PROPORTION OF DEFAULTERS & Credit income ratio is the ratio of
AMT_CREDIT/AMT_INCOME_TOTAL.
NON-DEFAULTERS BY CREDIT People default when Credit ratio is more than

AMOUNT TO INCOME RATIO 50.

PROPORTION OF DEFAULTERS
& NON-DEFAULTERS BY In both cases we have less defaulters in
revolving loans

CONTRACT TYPE
TOP 10 CORRELATIONS
For Defaulters For Non-Defaulters

Correlations for both Defaulters and Non-Defaulters looks almost similar