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[
{
"id": 1,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 48.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 5951.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 22.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration > 47.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 48. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 5951. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is real estate. The Age in years is 22. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 4,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 24.0,
"credit_history": "delayed previously",
"purpose": "new car",
"credit_amount": 4870.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 53.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 24. The Credit history is delay in paying off in the past. The Purpose is car (new). The Credit amount is 4870. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 53. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 21,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 6.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 2647.0,
"savings_status": "500<=X<1000",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "real estate",
"age": 44.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 6. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 2647. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is real estate. The Age in years is 44. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 62,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 36.0,
"credit_history": "no credits/all paid",
"purpose": "business",
"credit_amount": 1953.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 61.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 36. The Credit history is no credits taken/ all credits paid back duly. The Purpose is business. The Credit amount is 1953. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 61. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 69,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 36.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 2394.0,
"savings_status": "no known savings",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 25.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration > 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 36. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 2394. The Savings account/bonds is unknown/ no savings account. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 25. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 77,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 11.0,
"credit_history": "delayed previously",
"purpose": "radio/tv",
"credit_amount": 4771.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "life insurance",
"age": 51.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' > 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 11. The Credit history is delay in paying off in the past. The Purpose is radio/television. The Credit amount is 4771. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is building society savings agreement/ life insurance. The Age in years is 51. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 78,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 54.0,
"credit_history": "no credits/all paid",
"purpose": "used car",
"credit_amount": 9436.0,
"savings_status": "no known savings",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 39.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 54. The Credit history is no credits taken/ all credits paid back duly. The Purpose is car (used). The Credit amount is 9436. The Savings account/bonds is unknown/ no savings account. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 39. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 85,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "critical/other existing credit",
"purpose": "business",
"credit_amount": 1412.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "guarantor",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 29.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is business. The Credit amount is 1412. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is guarantor. The Present residence since is 2. The Property is real estate. The Age in years is 29. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 92,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 797.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "life insurance",
"age": 33.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' <= 0.500",
"num__age <= 44.500",
"cat__purpose_b'radio/tv' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 797. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 3. The Property is building society savings agreement/ life insurance. The Age in years is 33. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 94,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 1318.0,
"savings_status": ">=1000",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 54.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 1318. The Savings account/bonds is ... >= 1000 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 54. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 96,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "critical/other existing credit",
"purpose": "education",
"credit_amount": 2012.0,
"savings_status": "no known savings",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 61.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is education. The Credit amount is 2012. The Savings account/bonds is unknown/ no savings account. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 61. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 104,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "used car",
"credit_amount": 2445.0,
"savings_status": "no known savings",
"employment": "<1",
"installment_commitment": 2.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 26.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is car (used). The Credit amount is 2445. The Savings account/bonds is unknown/ no savings account. The Present employment since is <1. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 26. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 123,
"label": "good",
"prediction": "good",
"features": {
"checking_status": ">=200",
"duration": 10.0,
"credit_history": "critical/other existing credit",
"purpose": "new car",
"credit_amount": 781.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 63.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is >= 200 DM. The Duration in month is 10. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is car (new). The Credit amount is 781. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 63. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 128,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "critical/other existing credit",
"purpose": "used car",
"credit_amount": 1860.0,
"savings_status": "<100",
"employment": "unemployed",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 34.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is car (used). The Credit amount is 1860. The Savings account/bonds is ... < 100 DM. The Present employment since is unemployed. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 34. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 136,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 27.0,
"credit_history": "delayed previously",
"purpose": "used car",
"credit_amount": 8613.0,
"savings_status": ">=1000",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 27.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 27. The Credit history is delay in paying off in the past. The Purpose is car (used). The Credit amount is 8613. The Savings account/bonds is ... >= 1000 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 27. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 137,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 766.0,
"savings_status": "500<=X<1000",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "real estate",
"age": 66.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 766. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is real estate. The Age in years is 66. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 142,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 27.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 3416.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 27.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 27. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 3416. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 27. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 146,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 6.0,
"credit_history": "critical/other existing credit",
"purpose": "new car",
"credit_amount": 860.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 1.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 39.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 6. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is car (new). The Credit amount is 860. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 1. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 39. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 171,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 763.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "real estate",
"age": 26.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 763. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 1. The Property is real estate. The Age in years is 26. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 173,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 8.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 1414.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "guarantor",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 33.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "no"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 8. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 1414. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is guarantor. The Present residence since is 2. The Property is real estate. The Age in years is 33. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is no.",
"rationale": "only for testing"
},
{
"id": 175,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 30.0,
"credit_history": "all paid",
"purpose": "used car",
"credit_amount": 7485.0,
"savings_status": "no known savings",
"employment": "unemployed",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "real estate",
"age": 53.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' <= 0.500",
"num__age > 44.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 30. The Credit history is all credits at this bank paid back duly. The Purpose is car (used). The Credit amount is 7485. The Savings account/bonds is unknown/ no savings account. The Present employment since is unemployed. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 1. The Property is real estate. The Age in years is 53. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 177,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 6.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 338.0,
"savings_status": "500<=X<1000",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 52.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' > 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 6. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 338. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 52. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 178,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 1963.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 31.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 2.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 1963. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 31. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 2.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 184,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 18.0,
"credit_history": "critical/other existing credit",
"purpose": "new car",
"credit_amount": 884.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 36.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' > 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 18. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is car (new). The Credit amount is 884. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 36. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 189,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 18.0,
"credit_history": "no credits/all paid",
"purpose": "furniture/equipment",
"credit_amount": 3244.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 1.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 33.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 18. The Credit history is no credits taken/ all credits paid back duly. The Purpose is furniture/equipment. The Credit amount is 3244. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 1. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 33. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 195,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 9.0,
"credit_history": "critical/other existing credit",
"purpose": "education",
"credit_amount": 1501.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 2.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "car",
"age": 34.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 9. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is education. The Credit amount is 1501. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 3. The Property is car or other, not in attribute 6. The Age in years is 34. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 198,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 24.0,
"credit_history": "existing paid",
"purpose": "used car",
"credit_amount": 2760.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 36.0,
"other_payment_plans": "bank",
"housing": "for free",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' > 0.500",
"cat__checking_status_b'<0' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 24. The Credit history is existing credits paid back duly till now. The Purpose is car (used). The Credit amount is 2760. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 36. The Other installment plans is bank. The Housing is for free. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 203,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "retraining",
"credit_amount": 902.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "life insurance",
"age": 21.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is retraining. The Credit amount is 902. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 4. The Property is building society savings agreement/ life insurance. The Age in years is 21. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 214,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 36.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 3342.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 51.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 36. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 3342. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 51. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 238,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 1291.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 35.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 1291. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 35. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 243,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "critical/other existing credit",
"purpose": "business",
"credit_amount": 1185.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 3.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 27.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is business. The Credit amount is 1185. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 3. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is real estate. The Age in years is 27. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 257,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 12.0,
"credit_history": "all paid",
"purpose": "radio/tv",
"credit_amount": 2149.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male div/sep",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "no known property",
"age": 29.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 12. The Credit history is all credits at this bank paid back duly. The Purpose is radio/television. The Credit amount is 2149. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : divorced/separated. The Other debtors / guarantors is none. The Present residence since is 1. The Property is unknown / no property. The Age in years is 29. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 266,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 36.0,
"credit_history": "critical/other existing credit",
"purpose": "business",
"credit_amount": 6304.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 36.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 36. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is business. The Credit amount is 6304. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 36. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 271,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "critical/other existing credit",
"purpose": "furniture/equipment",
"credit_amount": 1402.0,
"savings_status": "500<=X<1000",
"employment": "4<=X<7",
"installment_commitment": 3.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 37.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is furniture/equipment. The Credit amount is 1402. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 3. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 37. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 288,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 1092.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "guarantor",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 49.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 1092. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is guarantor. The Present residence since is 4. The Property is real estate. The Age in years is 49. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 303,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 10.0,
"credit_history": "critical/other existing credit",
"purpose": "new car",
"credit_amount": 1038.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "co applicant",
"residence_since": 3.0,
"property_magnitude": "life insurance",
"age": 49.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 10. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is car (new). The Credit amount is 1038. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is co-applicant. The Present residence since is 3. The Property is building society savings agreement/ life insurance. The Age in years is 49. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 309,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 276.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 22.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 276. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 22. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 329,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 6.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 1068.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 28.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' > 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 6. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 1068. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 28. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 350,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "domestic appliance",
"credit_amount": 1236.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 1.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 23.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is domestic appliances. The Credit amount is 1236. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 1. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 23. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 354,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 10.0,
"credit_history": "existing paid",
"purpose": "education",
"credit_amount": 727.0,
"savings_status": "500<=X<1000",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 46.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 10. The Credit history is existing credits paid back duly till now. The Purpose is education. The Credit amount is 727. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 46. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 358,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 776.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 28.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 776. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 2. The Property is real estate. The Age in years is 28. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 385,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 18.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 2238.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "car",
"age": 25.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 18. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 2238. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 1. The Property is car or other, not in attribute 6. The Age in years is 25. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 395,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 39.0,
"credit_history": "delayed previously",
"purpose": "education",
"credit_amount": 11760.0,
"savings_status": "100<=X<500",
"employment": "4<=X<7",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "no known property",
"age": 32.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 39. The Credit history is delay in paying off in the past. The Purpose is education. The Credit amount is 11760. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is unknown / no property. The Age in years is 32. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 399,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 24.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 1516.0,
"savings_status": ">=1000",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "real estate",
"age": 43.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 24. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 1516. The Savings account/bonds is ... >= 1000 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 1. The Property is real estate. The Age in years is 43. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 411,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 33.0,
"credit_history": "critical/other existing credit",
"purpose": "used car",
"credit_amount": 7253.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 35.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 33. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is car (used). The Credit amount is 7253. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 35. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 423,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 21.0,
"credit_history": "delayed previously",
"purpose": "furniture/equipment",
"credit_amount": 1591.0,
"savings_status": "100<=X<500",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "real estate",
"age": 34.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 21. The Credit history is delay in paying off in the past. The Purpose is furniture/equipment. The Credit amount is 1591. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is real estate. The Age in years is 34. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 424,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 2762.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 1.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 25.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 2762. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 1. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 25. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 440,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 1884.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 39.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 1884. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 39. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 454,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 24.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 4817.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "co applicant",
"residence_since": 3.0,
"property_magnitude": "life insurance",
"age": 31.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 24. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 4817. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is co-applicant. The Present residence since is 3. The Property is building society savings agreement/ life insurance. The Age in years is 31. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 460,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 36.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 3620.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 1.0,
"personal_status": "male single",
"other_parties": "guarantor",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 37.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 36. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 3620. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 1. The Personal status and sex is male : single. The Other debtors / guarantors is guarantor. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 37. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 467,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 48.0,
"credit_history": "delayed previously",
"purpose": "radio/tv",
"credit_amount": 7238.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "car",
"age": 32.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' <= 0.500",
"num__age <= 44.500",
"cat__purpose_b'radio/tv' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 48. The Credit history is delay in paying off in the past. The Purpose is radio/television. The Credit amount is 7238. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is car or other, not in attribute 6. The Age in years is 32. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 478,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "business",
"credit_amount": 1037.0,
"savings_status": "100<=X<500",
"employment": "4<=X<7",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 39.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is business. The Credit amount is 1037. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 39. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 483,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 15.0,
"credit_history": "delayed previously",
"purpose": "furniture/equipment",
"credit_amount": 960.0,
"savings_status": ">=1000",
"employment": "4<=X<7",
"installment_commitment": 3.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 30.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 15. The Credit history is delay in paying off in the past. The Purpose is furniture/equipment. The Credit amount is 960. The Savings account/bonds is ... >= 1000 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 3. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 30. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 496,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 36.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 9034.0,
"savings_status": "100<=X<500",
"employment": "<1",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "co applicant",
"residence_since": 1.0,
"property_magnitude": "no known property",
"age": 29.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 36. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 9034. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is co-applicant. The Present residence since is 1. The Property is unknown / no property. The Age in years is 29. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 531,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 15.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 2631.0,
"savings_status": "100<=X<500",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 28.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 15. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 2631. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 28. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 532,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "delayed previously",
"purpose": "used car",
"credit_amount": 1503.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 41.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is delay in paying off in the past. The Purpose is car (used). The Credit amount is 1503. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 41. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 558,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 24.0,
"credit_history": "all paid",
"purpose": "furniture/equipment",
"credit_amount": 3552.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 27.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 24. The Credit history is all credits at this bank paid back duly. The Purpose is furniture/equipment. The Credit amount is 3552. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 27. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 559,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 18.0,
"credit_history": "critical/other existing credit",
"purpose": "furniture/equipment",
"credit_amount": 1928.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 31.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 18. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is furniture/equipment. The Credit amount is 1928. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is real estate. The Age in years is 31. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 563,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 36.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 12389.0,
"savings_status": "no known savings",
"employment": "1<=X<4",
"installment_commitment": 1.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 37.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' > 0.500",
"cat__checking_status_b'<0' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 36. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 12389. The Savings account/bonds is unknown/ no savings account. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 1. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 37. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 564,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 24.0,
"credit_history": "delayed previously",
"purpose": "business",
"credit_amount": 4712.0,
"savings_status": "no known savings",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 37.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' > 0.500",
"cat__checking_status_b'<0' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 24. The Credit history is delay in paying off in the past. The Purpose is business. The Credit amount is 4712. The Savings account/bonds is unknown/ no savings account. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 37. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 576,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 2930.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 2.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "real estate",
"age": 27.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' > 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 2930. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 1. The Property is real estate. The Age in years is 27. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 582,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 1388.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 26.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 1388. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is real estate. The Age in years is 26. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 593,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 24.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 2718.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 3.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "life insurance",
"age": 20.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 24. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 2718. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 3. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is building society savings agreement/ life insurance. The Age in years is 20. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 605,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 24.0,
"credit_history": "all paid",
"purpose": "furniture/equipment",
"credit_amount": 2828.0,
"savings_status": "500<=X<1000",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 22.0,
"other_payment_plans": "stores",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 24. The Credit history is all credits at this bank paid back duly. The Purpose is furniture/equipment. The Credit amount is 2828. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 22. The Other installment plans is stores. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 611,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": ">=200",
"duration": 10.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 1240.0,
"savings_status": "100<=X<500",
"employment": ">=7",
"installment_commitment": 1.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 48.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is >= 200 DM. The Duration in month is 10. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 1240. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 1. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 48. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 623,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 1858.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "car",
"age": 22.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 1858. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 1. The Property is car or other, not in attribute 6. The Age in years is 22. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 629,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "education",
"credit_amount": 3832.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 1.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 64.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is education. The Credit amount is 3832. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 1. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 64. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 639,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 42.0,
"credit_history": "delayed previously",
"purpose": "radio/tv",
"credit_amount": 4370.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 26.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 42. The Credit history is delay in paying off in the past. The Purpose is radio/television. The Credit amount is 4370. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 26. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 661,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 900.0,
"savings_status": "no known savings",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 23.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' > 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 900. The Savings account/bonds is unknown/ no savings account. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 23. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 708,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 1206.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 25.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 1206. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is real estate. The Age in years is 25. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 709,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 2118.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 37.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 2118. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is real estate. The Age in years is 37. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 710,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 18.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 629.0,
"savings_status": "500<=X<1000",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "life insurance",
"age": 32.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 2.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' <= 0.500",
"num__age <= 44.500",
"cat__purpose_b'radio/tv' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 18. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 629. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is building society savings agreement/ life insurance. The Age in years is 32. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 2. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 723,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 790.0,
"savings_status": "500<=X<1000",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "real estate",
"age": 66.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 790. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 3. The Property is real estate. The Age in years is 66. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 724,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 27.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 2570.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 3.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "real estate",
"age": 21.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 27. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 2570. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 3. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 3. The Property is real estate. The Age in years is 21. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 726,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 15.0,
"credit_history": "critical/other existing credit",
"purpose": "radio/tv",
"credit_amount": 1316.0,
"savings_status": "500<=X<1000",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 47.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 15. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is radio/television. The Credit amount is 1316. The Savings account/bonds is 500 <= ... < 1000 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 47. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 749,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 15.0,
"credit_history": "existing paid",
"purpose": "used car",
"credit_amount": 3029.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 33.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 15. The Credit history is existing credits paid back duly till now. The Purpose is car (used). The Credit amount is 3029. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 33. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 782,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 12.0,
"credit_history": "no credits/all paid",
"purpose": "retraining",
"credit_amount": 1410.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "real estate",
"age": 31.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 12. The Credit history is no credits taken/ all credits paid back duly. The Purpose is retraining. The Credit amount is 1410. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is real estate. The Age in years is 31. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 796,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 18.0,
"credit_history": "existing paid",
"purpose": "used car",
"credit_amount": 7511.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 1.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "life insurance",
"age": 51.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 18. The Credit history is existing credits paid back duly till now. The Purpose is car (used). The Credit amount is 7511. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 1. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is building society savings agreement/ life insurance. The Age in years is 51. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 832,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 45.0,
"credit_history": "no credits/all paid",
"purpose": "business",
"credit_amount": 11816.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 29.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 45. The Credit history is no credits taken/ all credits paid back duly. The Purpose is business. The Credit amount is 11816. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 29. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 836,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 886.0,
"savings_status": "no known savings",
"employment": "1<=X<4",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 21.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age <= 30.500",
"num__duration <= 33.000"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 886. The Savings account/bonds is unknown/ no savings account. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 21. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 853,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 18.0,
"credit_history": "all paid",
"purpose": "new car",
"credit_amount": 1442.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 32.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 2.0,
"job": "unskilled resident",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' > 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 18. The Credit history is all credits at this bank paid back duly. The Purpose is car (new). The Credit amount is 1442. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 32. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 2. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 866,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 18.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 2389.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "car",
"age": 27.0,
"other_payment_plans": "stores",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 18. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 2389. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 1. The Property is car or other, not in attribute 6. The Age in years is 27. The Other installment plans is stores. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 872,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 24.0,
"credit_history": "critical/other existing credit",
"purpose": "business",
"credit_amount": 1382.0,
"savings_status": "100<=X<500",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "real estate",
"age": 26.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 24. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is business. The Credit amount is 1382. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 1. The Property is real estate. The Age in years is 26. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 878,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 9.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 1422.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "no known property",
"age": 27.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 9. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 1422. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is unknown / no property. The Age in years is 27. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 881,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 24.0,
"credit_history": "existing paid",
"purpose": "used car",
"credit_amount": 9277.0,
"savings_status": "no known savings",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male div/sep",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 48.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 24. The Credit history is existing credits paid back duly till now. The Purpose is car (used). The Credit amount is 9277. The Savings account/bonds is unknown/ no savings account. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : divorced/separated. The Other debtors / guarantors is none. The Present residence since is 4. The Property is unknown / no property. The Age in years is 48. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 885,
"label": "bad",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "education",
"credit_amount": 795.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "life insurance",
"age": 53.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is education. The Credit amount is 795. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is building society savings agreement/ life insurance. The Age in years is 53. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 889,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 28.0,
"credit_history": "all paid",
"purpose": "used car",
"credit_amount": 7824.0,
"savings_status": "no known savings",
"employment": "<1",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "guarantor",
"residence_since": 4.0,
"property_magnitude": "real estate",
"age": 40.0,
"other_payment_plans": "bank",
"housing": "rent",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' <= 0.500",
"num__age <= 44.500",
"cat__purpose_b'radio/tv' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 28. The Credit history is all credits at this bank paid back duly. The Purpose is car (used). The Credit amount is 7824. The Savings account/bonds is unknown/ no savings account. The Present employment since is <1. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is guarantor. The Present residence since is 4. The Property is real estate. The Age in years is 40. The Other installment plans is bank. The Housing is rent. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 893,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "0<=X<200",
"duration": 36.0,
"credit_history": "critical/other existing credit",
"purpose": "used car",
"credit_amount": 5800.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 3.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 34.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 36. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is car (used). The Credit amount is 5800. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 34. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 912,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 30.0,
"credit_history": "existing paid",
"purpose": "radio/tv",
"credit_amount": 2991.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 2.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 25.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' > 0.500",
"cat__checking_status_b'<0' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 30. The Credit history is existing credits paid back duly till now. The Purpose is radio/television. The Credit amount is 2991. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 25. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 926,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "<0",
"duration": 18.0,
"credit_history": "critical/other existing credit",
"purpose": "furniture/equipment",
"credit_amount": 1049.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 4.0,
"personal_status": "female div/dep/mar",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "life insurance",
"age": 21.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount <= 1285.000",
"cat__property_magnitude_b'car' <= 0.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 18. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is furniture/equipment. The Credit amount is 1049. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 4. The Personal status and sex is female : divorced/separated/married. The Other debtors / guarantors is none. The Present residence since is 4. The Property is building society savings agreement/ life insurance. The Age in years is 21. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 942,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 24.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 929.0,
"savings_status": "no known savings",
"employment": "4<=X<7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "car",
"age": 31.0,
"other_payment_plans": "stores",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' <= 0.500",
"num__age <= 44.500",
"cat__purpose_b'radio/tv' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 24. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 929. The Savings account/bonds is unknown/ no savings account. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is car or other, not in attribute 6. The Age in years is 31. The Other installment plans is stores. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 950,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "0<=X<200",
"duration": 18.0,
"credit_history": "critical/other existing credit",
"purpose": "business",
"credit_amount": 3590.0,
"savings_status": "<100",
"employment": "unemployed",
"installment_commitment": 3.0,
"personal_status": "male mar/wid",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "car",
"age": 40.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 3.0,
"job": "unemp/unskilled non res",
"num_dependents": 2.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration <= 22.500",
"num__credit_amount > 1285.000",
"cat__employment_b'4<=X<7' <= 0.500"
],
"note": "The Status of existing checking account is 0 <= ... < 200 DM. The Duration in month is 18. The Credit history is critical account/ other credits existing (not at this bank). The Purpose is business. The Credit amount is 3590. The Savings account/bonds is ... < 100 DM. The Present employment since is unemployed. The Installment rate in percentage of disposable income is 3. The Personal status and sex is male : married/widowed. The Other debtors / guarantors is none. The Present residence since is 3. The Property is car or other, not in attribute 6. The Age in years is 40. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 3. The Job is unemployed/ unskilled - non-resident. The Number of people being liable to provide maintenance for is 2.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 951,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 36.0,
"credit_history": "delayed previously",
"purpose": "business",
"credit_amount": 2145.0,
"savings_status": "<100",
"employment": "4<=X<7",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "car",
"age": 24.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 36. The Credit history is delay in paying off in the past. The Purpose is business. The Credit amount is 2145. The Savings account/bonds is ... < 100 DM. The Present employment since is 4<=X<7. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 1. The Property is car or other, not in attribute 6. The Age in years is 24. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 973,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 60.0,
"credit_history": "existing paid",
"purpose": "business",
"credit_amount": 7297.0,
"savings_status": "<100",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "co applicant",
"residence_since": 4.0,
"property_magnitude": "no known property",
"age": 36.0,
"other_payment_plans": "none",
"housing": "rent",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration > 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 60. The Credit history is existing credits paid back duly till now. The Purpose is business. The Credit amount is 7297. The Savings account/bonds is ... < 100 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is co-applicant. The Present residence since is 4. The Property is unknown / no property. The Age in years is 36. The Other installment plans is none. The Housing is rent. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 983,
"label": "bad",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 36.0,
"credit_history": "existing paid",
"purpose": "used car",
"credit_amount": 8229.0,
"savings_status": "<100",
"employment": "1<=X<4",
"installment_commitment": 2.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "life insurance",
"age": 26.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 36. The Credit history is existing credits paid back duly till now. The Purpose is car (used). The Credit amount is 8229. The Savings account/bonds is ... < 100 DM. The Present employment since is 1<=X<4. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is building society savings agreement/ life insurance. The Age in years is 26. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 986,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": ">=200",
"duration": 42.0,
"credit_history": "no credits/all paid",
"purpose": "business",
"credit_amount": 6289.0,
"savings_status": "<100",
"employment": "<1",
"installment_commitment": 2.0,
"personal_status": "male div/sep",
"other_parties": "none",
"residence_since": 1.0,
"property_magnitude": "life insurance",
"age": 33.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 2.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is >= 200 DM. The Duration in month is 42. The Credit history is no credits taken/ all credits paid back duly. The Purpose is business. The Credit amount is 6289. The Savings account/bonds is ... < 100 DM. The Present employment since is <1. The Installment rate in percentage of disposable income is 2. The Personal status and sex is male : divorced/separated. The Other debtors / guarantors is none. The Present residence since is 1. The Property is building society savings agreement/ life insurance. The Age in years is 33. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 2. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 988,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 24.0,
"credit_history": "existing paid",
"purpose": "used car",
"credit_amount": 6579.0,
"savings_status": "<100",
"employment": "unemployed",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 2.0,
"property_magnitude": "no known property",
"age": 29.0,
"other_payment_plans": "none",
"housing": "for free",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 24. The Credit history is existing credits paid back duly till now. The Purpose is car (used). The Credit amount is 6579. The Savings account/bonds is ... < 100 DM. The Present employment since is unemployed. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 2. The Property is unknown / no property. The Age in years is 29. The Other installment plans is none. The Housing is for free. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 991,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 15.0,
"credit_history": "all paid",
"purpose": "radio/tv",
"credit_amount": 1569.0,
"savings_status": "100<=X<500",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 4.0,
"property_magnitude": "car",
"age": 34.0,
"other_payment_plans": "bank",
"housing": "own",
"existing_credits": 1.0,
"job": "unskilled resident",
"num_dependents": 2.0,
"own_telephone": "none",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' <= 0.500",
"num__age <= 44.500",
"cat__purpose_b'radio/tv' > 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 15. The Credit history is all credits at this bank paid back duly. The Purpose is radio/television. The Credit amount is 1569. The Savings account/bonds is 100 <= ... < 500 DM. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 4. The Property is car or other, not in attribute 6. The Age in years is 34. The Other installment plans is bank. The Housing is own. The Number of existing credits at this bank is 1. The Job is unskilled - resident. The Number of people being liable to provide maintenance for is 2.0. The Telephone is none. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 993,
"label": "good",
"prediction": "bad",
"features": {
"checking_status": "<0",
"duration": 36.0,
"credit_history": "existing paid",
"purpose": "furniture/equipment",
"credit_amount": 3959.0,
"savings_status": "<100",
"employment": "unemployed",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "life insurance",
"age": 30.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "high qualif/self emp/mgmt",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' <= 0.500",
"num__duration > 22.500",
"cat__savings_status_b'no known savings' <= 0.500",
"num__duration <= 47.500"
],
"note": "The Status of existing checking account is < 0 DM. The Duration in month is 36. The Credit history is existing credits paid back duly till now. The Purpose is furniture/equipment. The Credit amount is 3959. The Savings account/bonds is ... < 100 DM. The Present employment since is unemployed. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is building society savings agreement/ life insurance. The Age in years is 30. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is management/ self-employed/ highly qualified employee/ officer. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
},
{
"id": 994,
"label": "good",
"prediction": "good",
"features": {
"checking_status": "no checking",
"duration": 12.0,
"credit_history": "existing paid",
"purpose": "new car",
"credit_amount": 2390.0,
"savings_status": "no known savings",
"employment": ">=7",
"installment_commitment": 4.0,
"personal_status": "male single",
"other_parties": "none",
"residence_since": 3.0,
"property_magnitude": "car",
"age": 50.0,
"other_payment_plans": "none",
"housing": "own",
"existing_credits": 1.0,
"job": "skilled",
"num_dependents": 1.0,
"own_telephone": "yes",
"foreign_worker": "yes"
},
"decision_path": [
"cat__checking_status_b'no checking' > 0.500",
"cat__other_payment_plans_b'none' > 0.500",
"num__age > 30.500",
"cat__credit_history_b'critical/other existing credit' <= 0.500"
],
"note": "The Status of existing checking account is no checking account. The Duration in month is 12. The Credit history is existing credits paid back duly till now. The Purpose is car (new). The Credit amount is 2390. The Savings account/bonds is unknown/ no savings account. The Present employment since is >=7. The Installment rate in percentage of disposable income is 4. The Personal status and sex is male : single. The Other debtors / guarantors is none. The Present residence since is 3. The Property is car or other, not in attribute 6. The Age in years is 50. The Other installment plans is none. The Housing is own. The Number of existing credits at this bank is 1. The Job is skilled employee / official. The Number of people being liable to provide maintenance for is 1.0. The Telephone is yes, registered under the customers name. The foreign worker is yes.",
"rationale": "only for testing"
}
]