DataCredit_With_External_Factors

This dataset offers a comprehensive mix of financial, demographic, temporal, and external factor data to help predict credit delinquency. It includes key information such as loan terms, credit balances, and effective interest rates, along with client details like salary, marital status, and profession.

In addition to tracking historical credit behavior and overdue days at different time points, the dataset incorporates critical external factors, including climate change, social unrest, and global crises like COVID-19, which may influence payment delays and financial behavior.

With this broad scope, the dataset is well-suited for building machine learning models that can improve credit risk management by analyzing the combined effects of financial, socio-demographic, and external influences.