![](Pasted%20image%2020241018131938.png)

IF ? THEN risk = High

| Credit History | Debt | Collateral | Income | Risk |
| -------------- | ---- | ---------- | ------ | ---- |
| bad            | high | none       | 0-15k  | high |
| unknown        | high | none       | 15-35k | high |
| unknown        | low  | none       | 0-15k  | high |
| bad            | low  | none       | 0-15k  | high |
| good           | high | none       | 0-15k  | high |
| bad            | high | none       | 15-35k | high |

| Value Key Pair           | $p/t$   |
| ------------------------ | ------- |
| credit history = bad     | 3/4     |
| credit history = good    | 1/5     |
| credit history = unknown | 2/5     |
| debt = high              | 4/7     |
| debt = low               | 2/7     |
| collateral = none        | 6/11    |
| collateral = adequate    | 0/3     |
| **income = 0k-15k**      | **4/4** |
| income = 15k-35k         | 2/4     |
| income = >35k            | 0/6     |

IF Income = 0-15k THEN risk = high

| Credit History | Debt | Collateral | Income | Risk |
| -------------- | ---- | ---------- | ------ | ---- |
| bad            | high | none       | 0-15k  | high |
| unknown        | low  | none       | 0-15k  | high |
| bad            | low  | none       | 0-15k  | high |
| good           | high | none       | 0-15k  | high |

| Value Key Pair           | $p/t$   |
| ------------------------ | ------- |
| credit history = bad     | 3/6     |
| credit history = good    | 1/4     |
| credit history = unknown | 1/4     |
| debt = high              | 4/6     |
| debt = low               | 2/4     |
| **collateral = none**    | **6/6** |
IF Income = 0-15k AND collateral = none THEN risk = high

| Credit History | Debt | Collateral | Income | Risk |
| -------------- | ---- | ---------- | ------ | ---- |
| bad            | high | none       | 0-15k  | high |
| unknown        | low  | none       | 0-15k  | high |
| bad            | low  | none       | 0-15k  | high |
| good           | high | none       | 0-15k  | high |
| unknown        | high | none       | 15-35k | high |
| bad            | high | none       | 15-35k | high |

| Value Key Pair           | $p/t$   |
| ------------------------ | ------- |
| credit history = bad     | 2/4     |
| credit history = good    | 1/4     |
| credit history = unknown | 1/4     |
| debt = high              | 2/4     |
| debt = low               | 2/4     |