| Inputs | Representation of inputs |
| Age | Age of customer | Gender | Gender of customer | Marital status | Customer’s marital status: married: 0 and not married: 1, others: 2 | Job | Job of customers | Education | Diploma: 0, degree holder: 1,second degree: 2,Ph.D.: 3 | work experience | <5, 5–10, 11–15, 16–20, 21–25 and >25 | Type of credit | Mortgage,auto,personal,education,agriculture,medical | Annual income | Annual income of the customers | Coapplicant income | The annual income of the customers coapplicant | Total income | The sum of annual income and the coapplicant annual income | Duration of credit | 0–60, 61–120, 121–180, 181–240, and 241–300 | Collateral | Physical asset: 0, salary: 1 | Credit history | 0, 1, 2, 3, 4, and 5 | Credit grade | A : 0, B : 1, C : 2, and D : 3 | Amount of credit | The amount of credit based on the total income of the customers | Credit interest rate | 13%, 11%, and 7% |
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