underst

underst underst underst underst and_ap underst underst

and_co and_ac and_m and_tec plicatio and_ev and_co
mmon count anaging hniques
n
aluate
st
rid
16
17
18
19
20
21
22
23
24
25
26
27
28

1.1
3
4
4
4
5
5
3
3
4
4
3
4
5

1.2
4
4
5
4
4
2
4
3
3
4
5
4
4

1.3
4
4
2
5
5
3
3
3
4
3
4
4
4

1.4
2
5
5
2
5
2
4
3
3
4
4
4
2

1.5
3
4
4
3
4
4
2
3
4
4
4
4
4

1.6
3
3
4
5
4
1
4
3
4
4
5
4
5

1.7
5
4
4
2
5
2
5
3
3
5
3
4
1

mean_urm
3.428571429
4
4
3.571428571
4.571428571
2.714285714
3.571428571
3
3.571428571
4
4
4
3.571428571

identify identify identify

identify
_syste _difficul _chang identify _invest
m
t
es
_aware ment
2.1
4
3
4
4
4
2
3
3
4
5
5
4
3

2.2
3
2
4
2
2
5
4
3
4
4
5
2
3

2.3
4
2
5
4
4
3
4
3
3
4
3
4
2

2.4
3
2
3
3
4
2
3
4
4
5
4
4
5

2.5
4
2
4
4
5
3
4
4
3
4
5
4
2

asses_li assess_ assess_

kelihoo quantit qualitat
d
ative
ive
mean_ra
3.6
2.2
4
3.4
3.8
3
3.6
3.4
3.6
4.4
4.4
3.6
3

3.1
4
4
4
4
4
3
3
3
4
4
5
4
3

3.2
4
4
5
5
4
5
3
3
3
5
3
4
3

3.3
4
3
3
4
2
3
4
4
4
3
3
4
4

assess_
assess_i
opprtu assess_ mplem assess_
nities costs
ent prortize
3.4
4
4
4
5
4
4
4
4
4
5
4
4
4

3.5
4
4
4
1
4
2
3
4
3
4
4
4
4

3.6
5
4
3
2
4
3
4
4
4
5
4
4
3

3.7
4
4
5
4
4
1
4
4
4
3
5
4
4

monito monito monito monito

r_effect r_contr r_repor r_evalu
ive
ol
t
ate
mean_ri
4.142857143
3.857142857
4
3.571428571
3.714285714
3
3.571428571
3.714285714
3.714285714
4.142857143
4
4
3.571428571

4.1
4
4
4
1
4
5
4
4
4
4
3
4
2

4.2.
4
4
4
2
4
5
4
4
3
5
3
4
2

4.3
5
2
5
3
4
2
4
5
4
3
4
4
4

4.4.
3
3
3
4
4
3
3
5
3
4
5
4
3

monito monito
r_actio r_benef
n_plans
its
4.5
4
4
4
2
4
2
4
5
4
2
4
4
5

4.6.
4
4
5
3
4
4
4
3
5
4
5
4
3

rmp_re rmp_fe rmp_gu rmp_tr rmp_re rmp_ob

view edback idance aining cruit jective
mean_RM
4
3.5
4.166667
2.5
4
3.5
3.833333
4.333333
3.833333
3.666667
4
4
3.166667

5.1
4
4
4
1
4
4
4
3
3
4
4
4
4

5.2
5
5
3
4
5
5
5
4
4
5
4
4
4

5.3
4
4
4
2
5
4
2
5
5
2
5
5
3

5.4
5
4
5
3
5
4
4
3
3
2
4
3
5

5.5
5
5
5
5
4
4
4
4
4
5
5
4
3

5.6
3
5
4
3
3
5
5
5
3
3
4
4
4

credit_
credit_c
underta credit_ credit_c ollatera
kes analysis lassify
l

rmp_se rmp_ba rmp_ad rmp_ex

ctor
sel
equacy cellent
5.7
4
4
5
3
4
4
4
3
3
5
4
4
5

5.8
5
3
5
5
4
5
3
4
4
5
3
5
3

5.9
3
3
5
4
3
3
4
5
4
4
4
4
4

5.10
4
4
4
4
4
3
4
5
3
4
4
3
3

mean_RMP
4.2
4.1
4.4
3.4
4.1
4.1
3.9
4.1
3.6
3.9
4.1
4
3.8

6.1
4
4
4
2
5
3
4
3
3
5
3
4
3

6.2
5
5
5
4
5
4
4
4
4
4
4
5
4

6.3
4
3
5
2
5
4
3
4
3
4
4
4
3

6.4
5
4
5
4
4
5
4
5
4
5
4
5
5

credit_c
ollatera credit_l credit_
l_laons aons default
6.5
4
4
5
3
4
4
3
3
3
3
3
4
3

6.6
2
1
2
4
3
4
3
4
4
4
2
5
4

6.7
5
5
5
4
2
4
5
5
3
5
1
4
5

mean_CRA
4.142857143
3.714285714
4.428571429
3.285714286
4
4
3.714285714
4
3.428571429
4.285714286
3
4.428571429
3.857142857

Types of Risk
7
2,3,4,5
1,2,3,4,5,7,10
1,2,3,4,5,6,7,
1,3,9,11
2,3,4,9,
1.2
1,2,3,4,5,6
2,4,9
1,3,4,11
1,2,3,4,5,8
1,4,5,6,8
1,6,9
2,4,8

GENDER
GENDER
1
1
1
1
1
1
1
1
1
1
1
1
1

AGE
AGE
2
2
2
3
2
1
2
1
1
2
2
1
3

EDUCATION
EDUCATION
3
3
3
3
2
1
3
2
3
3
2
3
3

mean_RMPmean_urm mean_ra
4.2 3.428571
3.6
4.1
4
2.2
4.4
4
4
3.4 3.571429
3.4
4.1 4.571429
3.8
4.1 2.714286
3
3.9 3.571429
3.6
4.1
3
3.4
3.6 3.571429
3.6
3.9
4
4.4
4.1
4
4.4
4
4
3.6
3.8 3.571429
3

mean_ri
4.142857
3.857143
4
3.571429
3.714286
3
3.571429
3.714286
3.714286
4.142857
4
4
3.571429

mean_RM
4
3.5
4.166667
2.5
4
3.5
3.833333
4.333333
3.833333
3.666667
4
4
3.166667

mean_CRA
4.142857
3.714286
4.428571
3.285714
4
4
3.714286
4
3.428571
4.285714
3
4.428571
3.857143

SUMMARY OUTPUT
Regression Statistics
Multiple R
R Square
Adjusted R Square
Standard Error
Observations
ANOVA
Regression
Residual
Total
Coefficients
Intercept
mean_urm
mean_ra
mean_ri
mean_RM
mean_CRA

SUMMARY OUTPUT
Regression Statistics
0.792176
0.627542
0.361501
0.209271
13

df

SS
MS
F
Significance F
5 0.516516 0.103303 2.358816 0.14697
7 0.306561 0.043794
12 0.823077

Coefficients
Standard Error t Stat
2.159027 0.834314 2.587787
0.050787 0.158367 0.320695
-0.08984 0.122819 -0.73151
-0.01739 0.277074 -0.06275
0.377379 0.153148 2.464139
0.156639 0.154092 1.016525

P-value Lower 95% Upper 95%Lower 95.0%

Upper 95.0%
0.036061 0.186188 4.131867 0.186188 4.131867
0.757803 -0.32369 0.425266 -0.32369 0.425266
0.488229 -0.38026 0.200577 -0.38026 0.200577
0.951718 -0.67256 0.637788 -0.67256 0.637788
0.043202 0.015241 0.739518 0.015241 0.739518
0.34322 -0.20773 0.52101 -0.20773 0.52101

Count of rid
Row Labels
20 to 30
30 to 40
40 to 50
Grand Total

Column Labels
effective

ineffective
4
4
8

Actual
4
4

Grand Total
1
2
2
5

5
6
2
13

Expected
1 3.07692308 1.923077
2 3.69230769 2.307692
2 1.23076923 0.769231

chitest value with

0.25209514
respect to age

Count of rid
Row Labels
MALE
Grand Total

Column Labels
effective

ineffective
8
8

5
5

Grand Total
13
13

Actual

Expexcted
8

Count of rid
Row Labels
GRADUATE
POST GRADUATE
UNDER GRADUATE
Grand Total

Column Labels
effective

ineffective
3
4
1
8

Grand Total
5
5

3
9
1
13

actual
3
4
1

0.35475609

expected
1.846154
5.538462
0.615385

1
3.461538
0.384615

rid
1
2
3
4
5
6
7
8
9
10
11
12
13

AGE
20 to 30
30 to 40
30 to 40
40 to 50
30 to 40
20 to 30
30 to 40
20 to 30
20 to 30
30 to 40
30 to 40
20 to 30
40 to 50

p
effective
effective
effective
ineffective
effective
effective
ineffective
effective
ineffective
ineffective
effective
effective
ineffective

mean_RMP
4.2
4.1
4.4
3.4
4.1
4.1
3.9
4.1
3.6
3.9
4.1
4
3.8

rid
1
2
3
4
5
6
7
8
9
10
11
12
13

GENDER
MALE
MALE
MALE
MALE
MALE
MALE
MALE
MALE
MALE
MALE
MALE
MALE
MALE

p
effective
effective
effective
ineffective
effective
effective
ineffective
effective
ineffective
ineffective
effective
effective
ineffective

rid
1
2
3
4
5
6
7
8
9
10
11
12
13

EDUCATION P
POST GRADUATE
effective
POST GRADUATE
effective
POST GRADUATE
effective
POST GRADUATE
ineffective
GRADUATE effective
UNDER GRADUATE
effective
POST GRADUATE
ineffective
GRADUATE effective
POST GRADUATE
ineffective
POST GRADUATE
ineffective
GRADUATE effective
POST GRADUATE
effective
POST GRADUATE
ineffective