| --- |
| license: apache-2.0 |
| language: |
| - en |
| --- |
| # Loan Data |
| This dataset contains information about loan applications, including details about applicants' credit history, income, and loan purposes. |
| The data is used for the analysis and prediction of loan approval outcomes. |
| ## Dataset Description |
| The dataset includes the following columns: |
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| - credit.policy: Whether the applicant meets the credit policy criteria (1 = approved, 0 = denied). |
| - purpose: The purpose of the loan (e.g., "credit_card", "debt_consolidation", "home_improvement", etc.). |
| - int.rate: Interest rate of the loan. |
| - installment: Monthly installment amount. |
| - log.annual.inc: Log-transformed annual income. |
| - dti: Debt-to-income ratio. |
| - fico: FICO credit score of the applicant. |
| - days.with.cr.line: Number of days the applicant has had a credit line. |
| - revol.bal: Revolving balance. |
| - revol.util: Revolving credit utilization. |
| - inq.last.6mths: Number of inquiries in the last 6 months. |
| - delinq.2yrs: Number of delinquencies in the last 2 years. |
| - pub.rec: Number of public records (e.g., bankruptcies, foreclosures). |
| |
| ## Dataset Source |
| This dataset was obtained from Kaggle: |
| |
| Loan Data on Kaggle |
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| ## License Information |
| The dataset is released under the Database Contents License (DbCL) v1.0. |
| Key Points of the License: |
| |
| - Freedom to use: You are free to use the data for commercial and non-commercial purposes. |
| - Modifications and Redistribution: You can modify and redistribute the data, as long as the original source is attributed. |
| - No Copyright on Facts: The facts in the dataset are not covered by copyright. |
| - No Warranty: The dataset is provided "as is" without any warranty of accuracy, fitness for a particular purpose, or any other guarantee. |
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| ## Full License Text |
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| The full Database Contents License (DbCL) v1.0 text is available here: Open Data Commons - DbCL. |
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| ## Acknowledgements |
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| Please note that you are using this dataset at your own risk and the dataset is provided without warranties. |
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