Table 1 Summary of the selected variables
From: A credit scoring model based on the Myers–Briggs type indicator in online peer-to-peer lending
Type | Variable | Description |
|---|---|---|
Continuous (original) | Loan | Loan amount/1 M ($) |
Income | Annual income/1 M ($) | |
DTI | Debt-to-income ratioa | |
Rev balance | Total credit revolving balance/1 M ($) | |
Rev util | Revolving line utilization rateb | |
Tot balance | Total current balance of all accounts/1 M ($) | |
Cred limit | Total high credit limit/1 M ($) | |
Continuous (derived) | Loan per Income | Loan/income |
Tot balance per Income | Tot balance/income | |
Categorical | Job | Length of the job service |
Home | Home ownership | |
Purpose | Purpose of borrowing | |
Grade | Credit grade assigned by Lending Club |