Table 3 Fuzzy evaluation for debt to Income ratio and Number of Loan Repayments Past Due. This table combines two input variables. It describes that if the number of loan repayments past due is low (SD) and the amount of debt to income is low (SD) then the customer is recognized as low-risk. If the number of loan repayments past due is at around the middle (MD) and the amount of debt to income is high (LD) then the customer is recognized as the high-risk (HR). To limit the describing of the value of factors, we have used SD as little, MD as medium and LD as high

From: A dynamic credit risk assessment model with data mining techniques: evidence from Iranian banks