|
| | Names of variable (code) | Definition |
|
| Dependent variable | Whether to get subsequent loan | If there is subsequent loan, the value is 1, otherwise, 0 |
| Independent variable | The current times of application | The times of application for microcredit |
|
| Control variables | Loan amount | The amount of current application |
| Loan interest | The interest rate of the microcredit |
| Life of loan | The life of the microcredit to be granted |
| Nature of microcredit institutions | If the microcredit institutions are government led, the value is 1, otherwise, 0 |
| Original times of default | The total numbers of failing to repay on time |
| Gender | The borrowers are male, the value is 1, female, 0 |
| Age | The ages of borrowers |
| Education level | Bachelor degree or above, the value is 1, below, 0 |
| First lending or not | If it is first loan, the value is 1, otherwise, 0 |
| The successful loan times | The successful loan times by now |
| Normal repayment times | Normal repayment times by now |
| Accumulated loan amount | The accumulated amount of loan by now |
| The prepared amount | The prepared amount of repayment |
| Total number of borrowing | Total number of borrowing by now |
| Proportion of bad debt | Proportion of bad debt of total loan |
|
