Credit Analysis
Analysis I
The following tools were used for the analysis: Excel, Power BI, Power Point, Python, Jupyter Notebook. See the chart below for this analysis:
In the analysis dashboard above, data from 10,127 people were analyzed, both men and women, 4,769 men and 5,358 women in the 12-month period . With the following data:
- Ages between 26 and 73 years old.
- Marital Status - Married: 4,687 - Single: 3,943 - Divorced: 748 - NA: 749.
- Education - No Formal Education: 1,487 - High School: 2,013 - Bachelor's degree: 1,013 - Master's degree: 3,128 - Doctorate: 967 - NA: 1,519.
- Annual Salary - Less than 40 thousand: 3,562 people - Between 40 and 60 thousand: 1,788 people - Between 60 and 80 thousand: 1,400 people - Between 80 and 120 thousand: 1,533 people - Above 120 thousand: 726 people - NA: 1,112 people.
- Types of Cards - Blue: 9,436 people - Silver: 555 people - Gold: 116 people - Platinum: 20 people.
Analyzing the Data
Main information shown in the graph shows us that:
- Total value of transactions carried out was more than R$45 million reais.
- Total Transactions carried out were more than 657 thousand transactions.
- The total annual salary of the people analyzed was over R$571 thousand reais.
- The number of women with education is greater than that of men.
- Men's annual earnings are higher, representing 68.1% and women's 31.9%.
- Men have a greater number of months in a relationship: the graph shows that the maximum age that women were able to maintain at the age of 67 was 56 months and the maximum age for men was 73 with 36 months.
- The highest total credit limit was for married people with 43.31% of which 13.3% are women and 26.47% are men and then singles with 40.59% of which 12.7% are women and 27.89% are men.
Analysis II
See the graph below for analysis:
In the dashboard analysis above we will see some more analysis such as:
- The youngest age found for a person with a Platinum card where the credit limit is the highest was a woman aged 39 while the youngest age for a man was 41 years old.
- Average credit limits for cards in reais are: Platinum: 30 thousand, Gold: 28 thousand, Silver: 25 thousand, Blue: 7 thousand.
- The average credit limit in reais for people with or without education are: Doctorate: R$8,650 - Master's: R$8,570 - Bachelor's degree: R$8,690 - High school R$8,610 - No Formal Education (SE Formal): R$8,900 - NA: R$8,490.
- Number of people with education and their respective cards:
- Doctorate: 5 people with a Platinum card, 2 women and 3 men - 10 people with a Gold card, 4 women and 6 men - 54 people with a Silver card, 19 women and 35 men - 898 people with a Blue card, 495 women and 403 men.
- Master's degree: 8 people with a Platinum card, 4 women and 4 men - 36 people with a Gold card, 12 women and 24 men - 185 people with a Silver card, 69 women and 116 men - 2899 people with a Blue card, 1585 women and 1314 men.
- Graduation: 15 people with a Gold card, 4 women and 11 men - 58 people with a Silver card, 19 women and 39 men - 940 people with a Blue card, 509 women and 431 men.
- High School: 1 person with a Platinum card, this being a woman - 26 people with a Gold card, 8 women and 18 men - 98 people with a Silver card, 36 women and 62 men - 1888 people with a Blue card, 983 women and 905 men.
- SE Formal (Without Formal Education): 3 people with a Platinum card, 1 woman and 2 men - 11 people with a Gold card, 4 women and 7 men - 82 people with a Silver card, 39 women and 43 men - 1391 people with a Blue card, 752 women and 639 men.
- NA: 3 people with a Platinum card, 1 woman 2 men - 18 people with a Gold card, 6 women and 12 men - 78 people with a Silver card, 28 women and 50 men - 1420 people with a Blue card, 777 women and 643 men.
Conclusion
- Directions in quantity are 5.89% more women than men in this analysis.
- Men are the majority of people with cards.
- Women's annual salary was R$182 thousand and transactions were 356 thousand in 12 months, meaning transactions were greater than earnings.
- Men's annual salary was R$389 thousand and 301 thousand transactions also in 12 months, meaning the earnings were greater than the number of transactions.
- The total value of transactions made by the men was R$21 million in 12 months.
- The total value of transactions made by women was R$23 million in 12 months.
- The age group where the highest amount spent was: between 36 and 46 years old it was R$19 million in 12 months and between 46 and 56 years old it was more than R$19 million also in 12 months.
Data Source
Data source: https://www.kaggle.com/code/kagglecomjooneto/analise-de-cr-dito
