{
  "version": "1.0",
  "best_threshold": 0.8,
  "feature_names_after_ohe": [
    "checking_status_A11",
    "checking_status_A12",
    "checking_status_A13",
    "checking_status_A14",
    "credit_history_A30",
    "credit_history_A31",
    "credit_history_A32",
    "credit_history_A33",
    "credit_history_A34",
    "loan_purpose_A40",
    "loan_purpose_A41",
    "loan_purpose_A410",
    "loan_purpose_A42",
    "loan_purpose_A43",
    "loan_purpose_A44",
    "loan_purpose_A45",
    "loan_purpose_A46",
    "loan_purpose_A48",
    "loan_purpose_A49",
    "savings_account_A61",
    "savings_account_A62",
    "savings_account_A63",
    "savings_account_A64",
    "savings_account_A65",
    "employment_duration_A71",
    "employment_duration_A72",
    "employment_duration_A73",
    "employment_duration_A74",
    "employment_duration_A75",
    "personal_status_sex_A91",
    "personal_status_sex_A92",
    "personal_status_sex_A93",
    "personal_status_sex_A94",
    "guarantors_A101",
    "guarantors_A102",
    "guarantors_A103",
    "property_type_A121",
    "property_type_A122",
    "property_type_A123",
    "property_type_A124",
    "other_installment_plans_A141",
    "other_installment_plans_A142",
    "other_installment_plans_A143",
    "housing_type_A151",
    "housing_type_A152",
    "housing_type_A153",
    "job_type_A171",
    "job_type_A172",
    "job_type_A173",
    "job_type_A174",
    "telephone_A191",
    "telephone_A192",
    "foreign_worker_A201",
    "foreign_worker_A202",
    "credit_duration_months",
    "credit_amount",
    "installment_rate",
    "residence_since",
    "age_years",
    "existing_credits",
    "dependents"
  ],
  "cat_cols": [
    "checking_status",
    "credit_history",
    "loan_purpose",
    "savings_account",
    "employment_duration",
    "personal_status_sex",
    "guarantors",
    "property_type",
    "other_installment_plans",
    "housing_type",
    "job_type",
    "telephone",
    "foreign_worker"
  ],
  "num_cols": [
    "credit_duration_months",
    "credit_amount",
    "installment_rate",
    "residence_since",
    "age_years",
    "existing_credits",
    "dependents"
  ],
  "target": "approved",
  "cost_matrix": {
    "FP": 5.0,
    "FN": 1.0
  },
  "sklearn_version": "1.6.1",
  "xgboost_version": "2.1.1",
  "joblib_version": "1.4.2",
  "pandas_version": "2.2.2",
  "numpy_version": "1.26.0"
}