SAS Enterprise Miner homework Harvard Case Solution & Analysis

SAS Enterprise Miner homework Case Solution

The second model is drawn between NO and Revolving Utilization of Unsecured L, age and Debt ratio. Again by looking at the R^2 of 0.00 between the dependent and independent variable; it is clear that there is no relationship between answer NO and Revolving Utilization of Unsecured L, age and Debt ratio. Our Ho is that answer NO and Revolving Utilization of Unsecured L, age and Debt ratio doesn’t have any relationship. The F-test value is 0.09 which is close to 1, this means that our null hypothesis is true.

RESULTS:

The predictive model of target variable of SeriousDlqin2yrs and Revolving Utilization of Unsecured L, age and Debt ratio shows that there is no relationship between the dependent variable and independent variables.

CONCLUSIONS AND RECOMMENDATIONS:

The predictive model was made by taking into account a target variable of SeriousDlqin2yrs and few independent variables; Revolving Utilization of Unsecured L, age and Debt ratio. It was to be seen that if there is any relationship between the independent and dependent variable. After the predictive model; it’s clear that there is no relationship between “experiences of delinquency within 90 days” with variables Revolving Utilization of Unsecured L, age and Debt ratio. The age doesn’t affect the person’s ability to repay the loans and so does the debt ratio. To predict the delinquency of a person, we need to have other variables as these variables don’t show any relationship between each other.

 

EXHIBITS

EXIHIBIT 1

Analysis Variable : SeriousDlqin2yrs
NSkewness
1500003.4688571

EXHBIT 2

Root MSE43299R-Square0.0000
Dependent Mean75783Adj R-Sq-0.0003
Coeff Var57.13547

 

Analysis of Variance
SourceDFSum of
Squares
Mean
Square
F ValuePr > F
Model3293369444977898150.050.9843
Error83531.566033E131874815339
Corrected Total83561.566063E13

EXHIBIT 3

Analysis of Variance
SourceDFSum of
Squares
Mean
Square
F ValuePr > F
Model335748077119160260.090.9667
Error299964.069259E12135660040
Corrected Total299994.069294E12

 

Parameter Estimates
VariableDFParameter
Estimate
Standard
Error
t ValuePr > |t|
Intercept120037249.0071980.47<.0001
Revolving Utilization Of UnsecuredL10.131020.276440.470.6355
Age10.891124.639080.190.8477
Debt Ratio10.008900.181300.050.9608

EXHIBITS

EXIHIBIT 1

EXHBIT 2

EXHIBIT 3

 

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