Statistics final project help

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I Sales Related Variables

Sales ID manufacturer model price (thousand$) engine_size (cc) horsepower (H) MPG (M/gal) Dealership Monthly Sales (number of cars sold) Dealership Inventories Dealer Skill (1:novice, 3:expert)
27 Chevrolet Metro 9.235 1.0 55 45 104 53 1
63 Hyundai Accent 9.699 1.5 92 31 93 47 1
130 Saturn SL 10.685 1.9 100 33 135 62 2
141 Toyota Tacoma 11.528 2.4 142 23 35 50 2
64 Hyundai Elantra 11.799 2.0 140 27 84 53 1
56 Ford Ranger 12.050 2.5 119 23 63 57 2
47 Ford Escort 12.070 2.0 110 30 146 61 1
51 Ford Focus 12.315 2.0 107 30 23 64 2
131 Saturn SC 12.535 1.9 100 33 60 50 1
36 Dodge Neon 12.640 2.0 132 29 82 28 1
115 Plymouth Neon 12.640 2.0 132 29 93 57 2
58 Honda Civic 12.885 1.6 106 32 47 53 2
137 Toyota Corolla 13.108 1.8 120 33 54 46 1
20 Chevrolet Cavalier 13.260 2.2 115 27 6 186 2
102 Nissan Sentra 13.499 1.8 126 30 79 41 1
26 Chevrolet Prizm 13.960 1.8 120 33 56 59 3
80 Mitsubishi Mirage 13.987 1.8 113 30 56 39 1
132 Saturn SW 14.290 1.9 124 31 169 53 1
68 Jeep Wrangler 14.460 2.5 120 17 52 58 2
146 Volkswagen Golf 14.900 2.0 115 26 111 71 3
65 Hyundai Sonata 14.999 2.4 148 25 86 41 1
134 Saturn LS 15.010 2.2 137 28 148 29 1
59 Honda Accord 15.350 2.3 135 27 144 13 1
151 Volkswagen Beetle 15.900 2.0 115 26 52 65 2
116 Plymouth Breeze 16.080 2.0 132 27 108 64 2
87 Mercury Mystique 16.240 2.0 125 28 55 74 1
32 Chrysler Cirrus 16.480 2.0 132 27 59 56 2
21 Chevrolet Malibu 16.535 3.1 170 25 60 71 1
88 Mercury Cougar 16.540 2.0 125 30 35 55 2
147 Volkswagen Jetta 16.700 2.0 115 26 103 64 2
140 Toyota Celica 16.875 1.8 140 31 143 4 1
143 Toyota RAV4 16.888 2.0 127 27 153 44 1
44 Dodge Dakota 16.980 2.5 120 19 129 68 2
49 Ford Contour 17.035 2.5 170 25 109 68 2
82 Mitsubishi Galant 17.357 2.4 145 25 132 55 1
150 Volkswagen GTI 17.500 2.0 115 26 81 61 1
138 Toyota Camry 17.518 2.2 133 27 122 40 1
50 Ford Taurus 17.885 3.0 155 24 78 54 1
108 Nissan Frontier 17.890 3.3 170 18 265 2 1
109 Oldsmobile Cutlass 18.145 3.1 150 25 82 45 1
111 Oldsmobile Alero 18.270 2.4 150 27 33 52 2
43 Dodge Ram Van 18.575 3.9 175 16 86 46 1
133 Saturn LW 18.835 2.2 137 27 140 62 2
117 Plymouth Voyager 18.850 2.4 150 24 127 58 3
22 Chevrolet Lumina 18.890 3.1 175 25 98 69 2
28 Chevrolet Impala 18.890 3.4 180 27 47 28 1
89 Mercury Sable 19.035 3.0 153 24 103 42 1
37 Dodge Avenger 19.045 2.5 163 24 61 56 1
81 Mitsubishi Eclipse 19.047 2.4 154 24 35 72 3
23 Chevrolet Monte Carlo 19.390 3.4 180 27 88 42 1
41 Dodge Ram Pickup 19.460 5.2 230 17 35 55 2
46 Dodge Caravan 19.565 2.4 150 24 58 47 1
120 Pontiac Grand Am 19.720 3.4 175 25 141 46 1
29 Chrysler Sebring Coupe 19.840 2.5 163 24 55 40 1
149 Volkswagen Cabrio 19.990 2.0 115 26 84 56 2
136 Subaru Forester 20.095 2.5 165 24 46 49 1
38 Dodge Stratus 20.230 2.5 168 24 145 30 1
103 Nissan Altima 20.390 2.4 155 25 85 57 1
60 Honda CR-V 20.550 2.0 146 24 63 69 2
148 Volkswagen Passat 21.200 1.8 150 27 47 82 3
42 Dodge Ram Wagon 21.315 3.9 175 15 176 1 1
54 Ford Windstar 21.410 3.0 150 21 148 54 1
1 Acura Integra 21.500 1.8 140 28 68 37 1
48 Ford Mustang 21.560 3.8 190 24 117 60 1
119 Pontiac Sunfire 21.610 2.4 150 27 205 -3 1
69 Jeep Cherokee 21.620 4.0 190 20 95 67 2
122 Pontiac Grand Prix 21.665 3.8 195 25 65 67 2
11 Buick Century 21.975 3.1 175 25 110 62 2
52 Ford Crown Victoria 22.195 4.6 200 21 152 65 2
31 Chrysler Concorde 22.245 2.7 200 26 59 36 1
144 Toyota 4Runner 22.288 2.7 150 23 98 42 1
142 Toyota Sienna 22.368 3.0 194 22 88 59 1
39 Dodge Intrepid 22.505 2.7 202 17 104 63 2
92 Mercury Villager 22.510 3.3 170 21 162 60 1
86 Mitsubishi Montero Sport 22.527 3.0 173 20 163 34 1
90 Mercury Grand Marquis 22.605 4.6 200 21 73 69 2
135 Subaru Outback 22.695 2.5 165 25 88 52 2
107 Nissan Xterra 22.799 3.3 170 18 120 67 2
152 Volvo S40 23.400 1.9 160 25 71 49 1
123 Pontiac Bonneville 23.755 3.8 205 24 137 30 1
5 Audi A4 23.990 1.8 150 27 169 38 1
110 Oldsmobile Intrigue 24.150 3.5 215 25 116 66 2
24 Chevrolet Camaro 24.340 3.8 200 25 26 71 3
153 Volvo V40 24.400 1.9 160 25 126 49 1
30 Chrysler Sebring Conv. 24.495 2.5 168 24 60 67 2
83 Mitsubishi Diamante 24.997 3.5 210 22 75 57 1
12 Buick Regal 25.300 3.8 240 23 128 59 1
121 Pontiac Firebird 25.310 3.8 200 25 62 70 3
114 Oldsmobile Silhouette 25.345 3.4 185 22 162 18 1
84 Mitsubishi 3000GT 25.450 3.0 161 21 176 61 1
139 Toyota Avalon 25.545 3.0 210 26 112 40 1
124 Pontiac Montana 25.635 3.4 185 23 52 70 2
62 Honda Odyssey 26.000 3.5 210 23 98 42 1
129 Saab 9-3 26.100 2.0 185 23 51 54 2
104 Nissan Maxima 26.249 3.0 222 25 51 66 2
45 Dodge Durango 26.310 5.2 230 17 74 58 1
105 Nissan Quest 26.399 3.3 170 21 150 62 2
61 Honda Passport 26.600 3.2 205 19 116 61 1
70 Jeep Grand Cherokee 26.895 4.0 195 19 140 10 1
57 Ford F-Series 26.935 4.6 220 18 62 58 2
8 BMW 323i 26.990 2.5 170 26 117 70 2
34 Chrysler Town & Country 27.290 3.5 253 24 106 71 3
154 Volvo S70 27.500 2.4 168 25 145 52 1
91 Mercury Mountaineer 27.560 4.0 210 18 49 46 1
14 Buick LeSabre 27.885 3.8 205 25 87 40 1
33 Chrysler LHS 28.340 3.5 253 23 82 45 1
2 Acura TL 28.400 3.2 225 25 58 57 2
155 Volvo V70 28.800 2.4 168 25 100 62 1
35 Chrysler 300M 29.185 3.5 253 23 69 36 1
106 Nissan Pathfinder 29.299 3.3 170 19 158 64 2
66 Infiniti I30 29.465 3.0 227 25 44 63 2
3 Acura CL 30.140 3.2 225 26 43 52 2
18 Cadillac Catera 31.010 3.0 200 22 99 58 1
71 Lexus ES300 31.505 3.0 210 23 129 13 1
113 Oldsmobile Bravada 31.598 4.3 190 19 130 32 1
93 Mercedes-Benz C-Class 31.750 2.3 185 26 65 35 1
85 Mitsubishi Montero 31.807 3.5 200 18 57 48 1
53 Ford Explorer 31.930 4.0 210 19 37 58 3
13 Buick Park Avenue 31.965 3.8 205 24 147 25 1
128 Saab 9-5 33.120 2.3 170 23 72 13 1
9 BMW 328i 33.400 2.8 193 24 81 56 1
6 Audi A6 33.950 2.8 200 22 82 58 2
76 Lexus RX300 34.605 3.0 220 21 46 39 1
101 Mercedes-Benz M-Class 35.300 3.2 215 20 16 71 3
157 Volvo S80 36.000 2.9 201 24 131 61 1
55 Ford Expedition 36.135 4.6 240 16 101 61 1
112 Oldsmobile Aurora 36.229 4.0 250 22 108 69 2
72 Lexus GS300 37.805 3.0 225 23 40 55 2
10 BMW 528i 38.900 2.8 193 25 95 57 1
97 Mercedes-Benz SLK 38.900 2.3 190 26 47 55 1
77 Lincoln Continental 39.080 4.6 275 22 57 43 1
17 Cadillac Eldorado 39.665 4.6 275 22 116 44 1
15 Cadillac DeVille 39.895 4.6 275 22 96 66 2
98 Mercedes-Benz SLK230 41.000 2.3 185 27 157 65 2
125 Porsche Boxter 41.430 2.7 217 22 126 71 3
99 Mercedes-Benz CLK Coupe 41.600 3.2 215 26 48 52 2
4 Acura RL 42.000 3.5 210 22 80 55 2
79 Lincoln Navigator 42.660 5.4 300 15 128 17 1
67 Jaguar S-Type 42.800 3.0 240 21 80 42 1
118 Plymouth Prowler 43.000 3.5 253 21 52 67 1
78 Lincoln Town car 43.330 4.6 215 21 71 71 3
16 Cadillac Seville 44.475 4.6 275 22 111 56 1
156 Volvo C70 45.500 2.3 236 23 88 57 2
25 Chevrolet Corvette 45.705 5.7 345 22 89 26 1
19 Cadillac Escalade 46.225 5.7 255 15 30 55 2
73 Lexus GS400 46.305 4.0 300 21 86 71 3
94 Mercedes-Benz E-Class 49.900 3.2 221 25 96 4 1
145 Toyota Land Cruiser 51.728 4.7 230 15 124 23 1
74 Lexus LS400 54.005 4.0 290 22 55 72 3
75 Lexus LX470 60.105 4.7 230 15 57 38 1
7 Audi A8 62.000 4.2 310 21 57 48 1
95 Mercedes-Benz S-Class 69.700 4.3 275 21 29 51 2
40 Dodge Viper 69.725 8.0 450 16 160 47 1
126 Porsche Carrera Coupe 71.020 3.4 300 21 52 58 3
127 Porsche Carrera Cabriolet 74.970 3.4 300 23 127 65 2
96 Mercedes-Benz SL-Class 82.600 5.0 302 20 156 54 2
100 Mercedes-Benz CL500 85.500 5.0 302 20 114 38 1

II Process Time Breakdown

*Time in hours (hrs)
Sales ID Time spent for customer to complete an application Time spent in lender's system queue Time spent to review credit history Time spent to make a successful verification call Time for analyst's decision making Lapse of Time for lender's notification to dealership Lapse of Time for dealership's notification to customer Miscellaeneous delays
An unique ID assigned to individual lending contract associated with sales during the period of data collection for 3 months Duration of time for customer to fill out the application form at dealership Duration measured from the moment an application is entered into the lender's system at dealership until after the application is accessed to review credit history by analyst at lender's company Duration of time for analyst in lender's company to complete review of a borrower's credit history with the aid of Credit Bureau's credit data Duration measured from the moment credit review is completed until after a phone call was reached to the borrower to verify all credit information in the application Duration measured from the moment an anlyst opens an application until after the application is tagged with final decision categories Duration measured from the moment decision is made to the decision is notified to interested dealer by phone call Duration measured from the moment a decision is known to a dealer till the decision is known to a customer by phone call, or through other available channels Any Delays uncategorized otherwise
74 0.34 1.8 4.38 39 0.4 2.2 1 1.41
81 0.32 18.9 1.91 27.6 0.5 4.2 1.2 4.61
146 0.34 1.6 3.88 15.8 0.5 2.8 3.1 0.57
101 0.26 0 6.06 6.7 0.5 1.6 3.1 3.38
24 0.35 1.5 3.73 10.6 0.4 1.2 3.5 1.19
26 0.27 4.8 5.77 1.3 0.5 0.5 4 0.88
73 0.27 2.2 2.35 5.6 0.4 0.9 4.4 1.71
125 0.27 2.9 2.20 2.3 0.6 1.2 5.4 1.49
34 0.31 8.5 6.42 24.7 0.5 1 6.9 1.29
78 0.27 1.6 4.64 1.8 0.5 1.4 6.9 2.83
126 0.31 2.3 3.47 19.4 0.5 2.5 7.5 2.58
148 0.35 3.9 1.02 9.4 0.5 3.6 7.6 2.84
53 0.29 10.7 2.58 26.6 0.6 3.4 7.8 0.33
121 0.26 6 1.01 16.9 0.5 1.7 9 0.17
117 0.31 0.6 7.04 2.6 0.5 1.2 9.6 4.07
57 0.27 14 3.40 6.1 0.4 4.1 10.8 0.82
124 0.37 2.4 1.47 32.2 0.5 2.8 10.9 9.75
68 0.26 1.8 4.44 52.1 0.5 5.4 11.1 2.30
6 0.29 3.3 1.74 2.5 0.6 2.2 11.6 0.86
8 0.28 0.3 2.35 10.7 0.6 3 11.6 0.76
112 0.32 1.8 4.56 17.1 0.5 1.8 13.3 0.34
22 0.26 2 2.52 2.3 0.5 0.9 13.4 0.14
56 0.32 1.9 3.12 56 0.4 3.9 14.9 3.49
60 0.34 0.7 6.02 7.9 0.4 5.1 15.5 5.44
156 0.18 4.3 1.02 7 0.5 4.4 15.7 1.09
115 0.29 8.5 5.35 46.5 0.5 4.4 16.1 2.31
2 0.21 1.8 6.82 33.5 0.4 3.2 17 19.80
90 0.23 1.2 4.35 24.7 0.5 3.4 17 9.46
149 0.37 0.9 1.23 38.7 0.4 4.4 17.5 2.96
32 0.33 3.8 3.75 21.2 0.5 2.9 17.8 7.54
49 0.34 15.9 1.96 56.5 0.5 6 18.4 1.88
44 0.20 9.5 5.87 1.2 0.5 3.5 21.3 2.93
72 0.39 1.3 5.81 140.5 0.5 1.9 23.1 11.14
19 0.35 3.9 4.32 17.4 0.4 3.9 23.3 1.52
69 0.26 2.2 3.72 45.8 0.6 3.3 24.2 0.78
122 0.25 0.8 5.58 18.3 0.5 5.7 24.2 3.69
30 0.35 9.8 4.61 6 0.5 1.7 24.5 3.71
41 0.27 6.7 4.14 3.9 0.5 5.5 25.7 11.34
88 0.30 6.6 7.07 35.8 0.5 3.6 25.8 0.12
4 0.23 3.1 5.44 3.2 0.5 2.4 25.8 1.56
107 0.30 4.1 2.21 7.7 0.5 2.4 26.4 4.49
15 0.25 0.2 2.85 20.2 0.5 2.4 27.5 0.91
20 0.36 3.4 4.51 23.1 0.5 0.8 28.2 1.99
129 0.32 2.6 5.91 20.1 0.5 0.3 28.4 7.61
110 0.35 2.8 2.01 1.1 0.5 5.5 29.5 4.54
96 0.30 27.2 6.98 27.5 0.6 3.8 30.4 0.48
104 0.29 1 2.31 81.4 0.5 3 31.7 6.82
98 0.34 4.7 7.35 10.4 0.4 0.6 32.7 6.45
52 0.26 11.4 2.74 3.7 0.4 4.5 35.4 0.60
58 0.30 7.8 6.34 40.2 0.5 4.8 35.4 1.12
151 0.28 3.7 5.46 6.4 0.5 5.9 35.9 8.76
127 0.27 2.5 3.48 27.9 0.5 0.6 36.4 2.66
116 0.31 1.4 2.45 23.5 0.5 3.3 37.6 0.01
106 0.38 7.5 5.33 68.1 0.5 2.8 38.6 0.85
111 0.23 2.1 6.50 15.1 0.5 1.7 38.8 0.15
147 0.31 2.4 7.48 16 0.4 0.8 39.8 0.54
3 0.29 5 1.58 28.5 0.4 2.5 40.2 3.34
99 0.42 5.4 2.02 3 0.6 3 40.3 1.35
51 0.35 0.1 6.43 15.4 0.4 1.9 40.9 5.14
135 0.38 18.5 6.13 40.1 0.5 2.1 42 4.74
39 0.27 1.3 3.21 6.3 0.7 4.1 43.3 1.82
95 0.24 4 1.44 4.3 0.5 3.9 45.4 2.18
66 0.27 4.6 4.46 31.7 0.4 5.2 45.6 0.86
133 0.30 0.7 1.79 30.7 0.5 4.2 47.6 0.04
105 0.38 4.4 5.19 50.7 0.5 2.5 47.9 15.23
130 0.33 1.2 4.96 16.7 0.5 1.1 49.1 5.44
11 0.27 5.2 7.23 9.2 0.5 3.2 49.9 0.11
141 0.29 6.8 4.81 57.7 0.5 2.3 50 1.49
131 0.23 5.9 4.03 15.3 0.5 4.7 51.5 0.89
87 0.27 0 1.77 6.5 0.6 2.9 51.8 0.74
155 0.38 10.2 2.29 21.7 0.4 1.2 52 1.33
84 0.32 1.2 6.18 20.6 0.5 1.6 52.9 2.96
136 0.18 8.6 3.12 32.8 0.5 5.2 53.2 3.79
47 0.24 1.8 1.23 2.3 0.4 0.5 54.7 0.88
157 0.30 5 6.32 4.4 0.5 3.6 55.6 5.80
55 0.31 4.3 3.23 32.2 0.5 4 55.6 2.37
153 0.30 8.2 1.93 31.3 0.6 2.5 55.8 18.26
150 0.22 17.3 4.41 36.3 0.5 1.4 55.9 2.33
61 0.24 4.7 2.25 50.9 0.5 5.3 57 6.42
152 0.19 6.7 4.36 7.5 0.6 4.4 57.4 0.10
7 0.34 0.9 2.39 5.8 0.5 6 58.2 1.74
92 0.31 0.3 1.72 40.8 0.5 2.2 58.4 3.28
85 0.37 3.5 4.74 3.3 0.5 3.6 59 0.17
48 0.28 0.7 1.61 22.6 0.5 5.2 60.1 1.32
142 0.28 14.8 1.60 8.1 0.5 0.4 64.2 1.58
12 0.27 1 3.70 23.7 0.5 5.1 64.4 0.99
46 0.26 2.7 1.03 0.4 0.5 4.5 65.9 0.75
63 0.32 0.3 7.26 12.8 0.5 3.4 66.7 2.25
137 0.30 0.2 7.16 60 0.6 5.2 68.3 0.75
18 0.29 3.7 3.36 40.4 0.5 5.9 71.2 0.20
91 0.30 1.7 6.46 4.8 0.5 5.7 71.4 0.79
45 0.27 0.1 1.45 52.5 0.4 3.4 71.4 2.08
10 0.31 0.3 4.84 37.3 0.5 2.4 72.5 2.99
83 0.30 6.1 4.37 22.6 0.5 4.6 75.6 14.43
103 0.24 1 2.88 26.5 0.5 1.8 75.7 1.50
17 0.28 0.1 3.19 31.1 0.4 1.6 78.8 8.08
37 0.32 0.6 1.11 14.8 0.6 2.5 80.1 3.31
16 0.28 1.4 6.23 34 0.6 3.2 81.1 0.85
9 0.29 3 3.42 24.6 0.5 4.1 81.6 6.36
77 0.20 12.3 4.00 39 0.5 1.3 83.5 10.52
97 0.39 3.1 1.97 59 0.5 4.4 84.2 4.40
118 0.29 2.6 6.54 9.8 0.5 2.6 85.7 6.92
82 0.37 3 6.45 34.9 0.5 3.2 86.7 8.38
54 0.35 1 5.93 9.8 0.5 1.7 88.1 0.52
23 0.28 12.1 7.03 9.5 0.5 4.1 89.1 0.09
62 0.37 4.4 2.69 10.2 0.4 3.5 89.5 6.02
89 0.32 0.2 6.44 58.5 0.5 1.6 91.6 5.02
50 0.25 9.8 6.24 21.5 0.4 5.8 92 0.70
144 0.26 5.7 6.44 3.5 0.6 5.8 92.1 3.18
132 0.28 1.2 1.40 7.5 0.5 4.8 92.6 0.44
102 0.28 12.6 6.66 5.4 0.5 1.9 93.6 1.42
27 0.24 5.7 6.37 61.4 0.5 3.9 94 8.62
64 0.22 3.5 1.66 25.9 0.5 3.4 95.6 13.39
154 0.21 3.6 6.82 70.9 0.4 3.4 99.5 3.69
29 0.31 5.5 3.31 50.2 0.5 4.6 99.6 2.07
76 0.25 2.7 7.07 3.3 0.4 5.6 103.2 4.82
80 0.33 3.3 6.75 9.7 0.5 2.4 105.4 1.74
75 0.25 18.7 2.78 16.3 0.5 0.2 107.6 8.74
1 0.18 21.2 4.04 8.7 0.5 0.6 113.3 0.11
31 0.26 3.4 5.50 30 0.5 0.7 119.4 0.94
35 0.29 0.4 7.00 30.4 0.5 0.5 122.2 0.97
21 0.28 1.8 7.02 95.1 0.5 1.8 123.4 3.00
93 0.27 2.3 4.34 10.2 0.5 2.7 126.2 5.87
40 0.21 0.1 1.41 14.9 0.5 2.9 127.3 1.28
43 0.28 18.1 6.67 31.7 0.5 0.3 127.8 2.67
120 0.33 3.9 1.86 13.5 0.5 5.3 131.9 1.56
109 0.33 1.9 6.36 9.6 0.5 0.3 133.2 0.35
33 0.23 7.2 7.04 48.2 0.5 5.6 137 2.07
143 0.33 6 3.91 39.5 0.5 2.6 141.6 2.12
38 0.30 3.3 3.98 62.5 0.4 1.7 150 6.69
67 0.30 8 2.88 22.2 0.5 3.7 151 2.21
65 0.35 6.3 3.48 3.9 0.5 3.8 153.4 1.53
28 0.26 2.6 1.39 8.1 0.5 5.7 158 3.67
36 0.25 3.9 3.24 27.6 0.5 3.4 158.2 0.64
138 0.35 0.4 3.63 7.4 0.5 3.1 159.5 3.03
139 0.31 3.5 7.25 43 0.4 2.9 159.6 0.93
14 0.37 1.6 6.19 4.8 0.5 3.2 161.2 0.06
25 0.31 10.3 1.40 145.5 0.5 3 167.9 2.91
5 0.31 26.8 4.83 14.5 0.5 1 168.6 0.81
100 0.22 19.9 1.04 9.8 0.5 3.6 168.8 0.96
86 0.31 2.1 4.84 4 0.5 4.7 190.8 10.71
113 0.25 7.1 2.28 5.8 0.5 2.6 199.3 0.38
114 0.33 2.1 5.30 8.1 0.5 1.3 208.1 4.34
123 0.29 14.9 3.71 7.5 0.5 4.9 211.3 0.73
134 0.27 10.3 2.45 9.2 0.5 3.7 212.5 1.19
79 0.28 1.8 6.81 44 0.5 1.1 214.6 0.99
128 0.34 6.8 6.09 19.5 0.6 2.6 233.6 0.54
13 0.21 1.8 7.03 62.4 0.6 0.8 235.6 5.84
145 0.27 0.8 7.50 4.9 0.5 4.7 243.4 1.31
70 0.42 3.6 3.97 2.5 0.4 2 247.5 1.06
94 0.29 4.6 5.07 40.5 0.5 2.3 280.4 1.75
71 0.40 3.8 7.45 10.3 0.4 1.8 293.2 3.62
59 0.17 3.3 3.75 52.3 0.5 4.6 295.8 9.63
140 0.26 1.2 3.35 44.3 0.5 0.9 339.4 0.23
108 0.30 2.7 1.03 28.1 0.5 1 351.1 5.92
42 0.32 0.8 6.06 45.7 0.6 3.3 353.4 0.72
119 0.26 1.7 6.31 20.1 0.5 2.8 377.3 4.95

III Survey Responses

*A respondant's unique ID **A respondant's affiliation (1=staff, 2=customer) **All responses are answers to survey questionnaires, "In your opinion, how much does this factor impact a slow response?" (1=do not impact at all 2=weak impact 3=average 4=strong impact 5=extremely important)
Potential Factors to slow down a response time
Factor Category : Response System Factor Category : Dealer Factor Category : Lender Factor Category: Credit Bureau
Lender's Information System is composed of Input terminal at dealership (paper/electronic application form), transfer channel between a dealership and server, central processing server, and output display at lender's office. Dealer's Role in making a credit contract is to explain the lender's credit plan and credit parameters to customers, transcribing the application into lender's system, filtering customer's deficiency in the application, and notifying of the lender's decision to the cusomter. Internally, lender manages staffs' workload by rotation scheduling and proper assignment distribution. Externally, it determines the degree of flexibility with dealership, and sets up response criteria to the customers. On request from certified analyst at lender's company, Credit bureau provides personal credit history on available credit parameters through authentic communication channel
ID Affiliation Complexity of Application Form Error tolerance in the form Information Transferring Error System Failures Unawareness of Credit plan Unawareness of credit parameters Transcription error Filtering Customer deficient Lack of Training Staff Rotation Flexibility with dealer assignment distribution response criteria Lack of credit paremeter Insufficient technology Obsolete information Lack of personnel
1 1 3 2 4 2 3 3 4 4 3 3 1 4 3 3 1 3 3
2 1 4 2 4 4 3 3 3 4 4 3 2 4 3 3 2 3 3
3 1 3 3 3 4 2 4 4 4 4 2 1 4 3 2 1 2 2
4 1 3 3 4 3 4 2 5 3 3 2 2 5 3 3 1 3 2
5 1 2 3 5 4 3 2 5 5 3 4 1 3 2 4 2 4 4
6 1 2 2 1 4 4 2 5 5 3 4 2 3 2 4 2 4 4
7 1 1 1 2 4 5 1 4 5 4 1 2 4 2 2 3 2 1
8 1 2 2 1 3 2 1 3 3 5 3 3 5 4 2 2 2 3
9 1 3 1 1 3 2 2 4 4 4 3 3 4 4 2 3 2 3
10 1 2 2 2 4 1 1 4 4 3 2 3 4 4 3 2 3 2
11 2 1 4 4 4 5 3 2 2 4 3 1 1 4 3 4 3 3
12 2 2 3 5 4 5 4 3 3 5 3 1 2 4 3 1 3 3
13 2 3 2 3 4 4 4 3 1 4 2 3 1 5 2 2 2 2
14 2 4 3 5 5 4 5 2 2 4 3 3 1 3 2 3 2 3
15 2 3 3 5 3 3 3 4 2 4 4 1 2 4 4 3 4 4
16 2 2 2 3 2 5 3 3 1 2 4 2 2 4 4 2 4 4
17 2 5 3 4 3 4 4 2 3 4 2 2 3 5 1 2 1 2
18 2 4 2 2 4 3 3 3 3 5 2 2 2 5 3 1 3 2
19 2 3 3 2 5 2 5 1 2 5 2 1 3 3 3 1 3 2
20 2 1 3 3 4 4 5 1 1 5 3 1 3 3 2 2 2 3