V.Limitations and further research needs
VI.Conclusion
38
VII.Recommendations
U This database was created based on an English
literature review, so many financial institutions from North Africa, South
America, and Asia were not considered.
U The structure of the database causes some
information to be lost due to specific categories of data. Consequently, some
of the information cannot be considered.
U Several categories of variables, such as Total
assets, Total equity, Gross loan portfolio, and number of clients can not be
considered since several websites did not have information on these variables,
so we did not take them into account.
39
U Lack of credible or official websites of many
financial institutions, which reduced the sample by 50 FIs.
|
|
|
|
*** Further research needs ***
|
|
|
U Deeper analysis must be conducted of an
expanded and more diverse set of financial institutions taking into account
farmer information services providers, financial institutions from the Spanish
and French literature review, etc....
U Research on gender equality programs and
their relationship to agricultural finance needs to be done and if promoting
credit facilities for women could reduce lending risk and increase farm
profitability.
U Evaluation how digital tools can increase
farmers' awareness of credit offers by financial institutions is a high
priority
40
U Online survey should be conducted with FIs
representatives to gather the maximum amount of information necessary for
analysis. In this regard, this could analyze the way in which FIs currently
fund the agriculture sector, including the approach AVCF.
Plan
I.Introduction
II.Literature Review
III.Methodology and Data
IV.Analysis and Results
V.Limitations and further research needs
VI.Conclusion
41
VII.Recommendations
|
|
|
|
|
|
*** most important questions ***
|
|
|
1) What are the key underlying characteristics of credit
provision of different types of financial institutions in the Global
South?
|
2) To what extent financial institutions promote gender
issues and include digital solutions?
|
42
3) What kind similarities and differences can be observed
between financial institutions?
Based on 144 financial institutions
67from Africa
35 from South America
29 from Asia
13 International FI
Agricultural credit
58%
Farmer credit
19%
Agribusiness credit
6. Gender Equality
31% program to empower women
7. Digital solutions
42% digital
solutions
Plan
I.Introduction
II.Literature Review
III.Methodology and Data
IV.Analysis and Results
V.Limitations and further research needs
VI.Conclusion
43
VII.Recommendations
q More SMS o
manag
q Mo
ion of
44
Global South IFS pathways Database
Financial institutions Finance gap Evaluation
Value Chain finance Farmer finance Global Map
Database LFS pub. Finance in common
Farmer problems IFAD pub. Literature review
Climatic factors World Bank pub. Search Engine
Price and market risks CGAP pub. Descriptive
statistics
Farm loan Meyer article Cluster analyses
Low profit Key underlaying Excel
collateral Gender Equality R
Bank Digital solutions IFAD pub.
45
Farmer Similarities FIs Angry farmer
Technische Universitet München
***Appendix***
Share P Comments
File Home Insert Page Layout Formulas Data
Review View Help
Y
Germany
AutoSave Co of)
A17
I
P- ~kllrv
Synopsis
Af7
Africa
Asia
America
R_€Tata
Fls Literature
D E
|
F
|
2
|
Colour
|
Signification Africa
|
|
|
|
4
|
|
Asia
|
|
limMEMEM
|
|
|
America
|
|
Africa
|
200
|
|
|
|
Global
|
|
Asia
|
52
|
|
|
|
Fls from the literature review
|
|
America
|
63
|
|
|
|
Notice
|
|
Oceania
|
16
|
|
9
|
|
Sources
|
|
Global
|
16
|
|
10
|
|
incomplete information
|
|
Total
|
347
|
|
11
|
|
Synopsis
|
|
|
|
12
|
|
|
FI: Financial
|
Institution
|
13
|
|
|
|
|
14
|
|
List of Fls-countries
|
|
No. of countries
|
|
15
|
Belgium
|
Afghanistan
|
Global South
|
98
|
|
16
|
France
|
Algeria
|
developed cous
|
8
|
|
17
|
rGermany
|
Bangladesh
|
|
|
18
|
Italy
|
Barbados
|
|
19
|
Lutembou
|
Belize
|
|
20
|
Netherland
|
Benin
|
|
Attribt
|
|
21
|
UK
|
Bermuda
|
|
N~A 0
|
|
22
|
USA
|
Bhutan
|
|
Credit facility for 1
|
|
23
|
|
Bolivia
|
|
career developm 2
|
|
24
|
|
Brazil
|
|
Gender Program 3
|
|
25
|
|
Burkina Faso
|
|
|
|
28
|
|
Burundi
|
|
27
|
|
Cambodia
|
|
|
|
|
28
|
|
Cameroon
|
|
Agricultural Bank
|
0
|
|
29
|
|
Cayman Islands
|
|
Commercial Ban4
|
1
|
|
30
|
|
Central African Republic
|
|
cooperative
|
2
|
|
31
|
|
Chad
|
|
Credit union
|
3
|
|
32
|
|
Colombia
|
|
Development Bai
|
4
|
|
33
|
|
Congo
|
|
Insurance comp<
|
5
|
|
34
|
|
Cook Island
|
|
International FI
|
6
|
|
35
|
|
Costa Rica
|
|
International Fun
|
7
|
|
36
|
|
Côte d'ivoire
|
|
Islamic Bank
|
8
|
|
37
|
|
Curacao
|
|
MFI
|
9
|
|
38
|
|
Djibouti
|
|
NGO
|
10
|
|
39
|
|
Dominica
|
|
state developmei
|
11
|
|
J
H I
K
L
Q
R
,nt
Attribute
0
Africa
1
2
Asia
America
3
Global
nn N o I P
Ca
Institutional typtaM-Number
Agricultural Bank
|
46
|
13%
|
Commercial Bank
|
68
|
20%
|
cooperative
|
76
|
22%
|
Credit unions
|
12
|
3%
|
Development Agency
|
7
|
2%
|
Development Bank
|
52
|
15%
|
Development Fund
|
1
|
0%
|
Insurance company
|
5
|
1%
|
International H
|
6
|
2%
|
International Fund
|
5
|
1%
|
MFI
|
55
|
16%
|
NGO
|
5
|
1%
|
state development bank
|
4
|
1%
|
Islamic Bank
|
5
|
1%
|
Total:
|
347
|
100%
|
Digital solution
|
Attribut
|
NA
|
0
|
Online Banking
|
1
|
[-Products: (SMS Bank
|
2
|
Online Loan Application
|
3
|
Digital foot prints Partner
|
4
|
347
Total
45
8
17
2s
8
3
Finance in commo
44
37
109
48
46
0
Technische Universitet München
***Appendix***
8 Share P Comments
File Home Insert Page Layout Formulas Data Review View Help
AutoSave (* Off) ® /
47
fx Agricultural Bank
A
|
A
|
B
Country
|
C
|
D .ronym
|
E F G
Type
|
H
Website
|
I
Notice
|
J I
|
1
|
id
|
Bank
|
|
|
2
|
1
|
Algeria
|
La Banque de 'agr cu turc et du
|
BA DR
|
Agricultural Bank
|
Mchand Bcura
|
ccntactghadr-hank dc
|
https:ffHadrLanque.dzf
|
|
3
|
2
|
Algeria
|
Caisse Nationale de MutuaJitéA
|
CNMA
|
Insurance company
|
Cherif Benhabiflès
|
cnma[afcnma-dz
|
https;//www-cnma-dz/
|
|
4
|
3
|
Algeria
|
Crédit Agricole CIB Algérie Spa
|
CIB
|
Agricultural Bank
|
Xavier thom as
|
https://www.ca-cih.com/contact-us
|
https//www.ca-cib.c am/
|
|
|
|
5
|
4
|
Benin
|
institution mutualiste ou coopér
|
UNACREP
|
cooperative
|
TOLOME LAURENT
|
contact@unacrep-bj
|
https;//unacrep-bj/
|
|
|
|
6
|
5
|
Benin
|
REseau NAtional des Caissesvill
|
RENACA
|
MFI
|
Léon GDUKPANIAN
|
renaca@yahoo.fr
|
https;//www.renac abenin.org/
|
Entreprises
|
(BC-PA
|
7
|
6
|
Benin
|
Credit Agric ole Group
|
CAG
|
Agricultural Bank
|
Jean-Guy LARRIVIÈRE
|
https://international,graupecreditagricale.camffrfcont
|
https://international,graupecreditagricale.camffrfaccampagneme
|
8
|
7
|
Burkina Faso
|
Systèmes Financiers DécentralisSFD
|
|
MFI
|
na
|
info@cci.hf
|
https//www-femme-entrepreneur-bf/structures-de-micro-finances/
|
9
|
S
|
Burkina Faso
|
Ada microfinance
|
|
MFI
|
Soulemane Djobo
|
s.djobo@ada-microfinanceiu
|
https://www.ada-microfinancf
|
several countries
|
10
|
9
|
Burkina Faso
|
SOCIAL MICROFINANCE IN BURKI
|
YIRKI
|
MFI
|
Elarik Philouze
|
elarik_philouzeentrepreneursdumonde_org
|
https;//www.entrepreneursdumande.arg/en/program/yikri-sodal-
|
11
|
10
|
Burkina Faso
|
African development Bank
|
AfDB
|
Development Bank
|
Mr Pascal Yembiline
|
P-YEMBILINEcAFDBARG
|
https;//www-afdb-org/en/documents/document/burkina-faso-sup
|
12
|
11
|
Burkina Faso
|
Banque Agricole du Faso
|
BADF
|
Agricultural Bank
|
W AimeZoungrana CLinkedln
|
contact@badf.bf
|
https://www.badf.bf/
|
|
13
|
12
|
Burundi
|
Banque Communautaire etAgriE
|
BCAB
|
Agricultural Bank
|
Thierry Willy NIKUZE
|
info@bcab.bi
|
https;//bcab.bi/
|
|
14
|
13
|
Burundi
|
confédération des associations
|
CAPAD
|
cooperative
|
Annick Sezibera
|
capad shirukubute@yahoak
|
https;//www-capad-info/spip-php?rubrique25&langer
|
15
|
14
|
Cameroon
|
Credit Agric ale Group
|
CAG
|
Agricultural Bank
|
Jean-Guy LARRIVIÈRE
|
https://international,groupecreditagricale.cam/fr/tont
|
https://international,groupecreditagricale.cam/fr/accampagneme
|
16
|
15
|
Cameroon
|
Banque Camerounaise des Petits
|
BC-PME
|
MFI
|
AMADOU HAMAN& ON
|
contact@bc-pme.cm
|
Banque Camerounaise des Petites et Moyennes
|
17
|
16
|
Cameroon
|
Ecobank in Cameroon
|
ECM
|
MFI
|
FALL MOUSTAPHA
|
ecobankenquiries?ecobankcom
|
https;//ecobank-com/cm/personal-banking/products-services/mi
|
18
|
17
|
Central Africa
|
Banque de Crédit Agricole et del
|
BCAD
|
Development Bank
|
na
|
na
|
https://www
goafricaonline.com/en/cf/314491-bcad-banque-de-c
|
19
|
18
|
Central Africa
|
Credit Agricole Group
|
CAG
|
Agricultural Bank
|
na
|
https;//international,groupecreditagricole.cam/en/can
|
https;//international,groupecreditagricole.cam/en/internationak
|
20
|
19
|
Chad
|
Banque Agricole et commerciale
|
BAC
|
Agricultural Bank
|
na
|
bac_bank@hactchad-cam
|
https//bactchad-com/indexapropos-html
|
21
|
20
|
Chad
|
International Fund for Agri cultu
|
IFAD
|
Development Bank
|
ValantineAchancho
|
v-achancho@ifad-org
|
https;//www-ifad-org/fr/web/operations/w/pays/chad
|
|
22
|
21
|
Chad
|
Agence FrancaisededevelappenAFD
|
|
Development Agency
|
na
|
afdndjamena@afd.fr
|
https://www.afdir/fr/page-region-pays/tchad
|
|
23
|
22
|
Congo
|
Equity Bank Congo SA
|
na
|
Commercial Bank
|
James MWANGI
|
mailiequitybank.cd
|
https;{/equitybank.cd/index.php
|
|
|
24
|
23
|
Congo
|
African development Bank
|
AfDB
|
Development Bank
|
Alexis Adélé
|
a-adelecafdb-org
|
https;//www-afdb-org/fr/news-and-events/press-releases/congo-1
|
|
25
|
24
|
Côte d'ivoire
|
Credit Agricole Group
|
CAG
|
Agricultural Bank
|
Jean-Guy LARRIVIÈRE
|
https;//international,groupecreditagricole-com/fr/tont
|
https;//international,groupecreditagricole-com/fr/accompagneme
|
26
|
25
|
Côte d'ivoire
|
Banque Agricole et Investisseme
|
BAICI
|
Agricultural Bank
|
na
|
info@ hanqueagricoleinv-cam
|
https;//www-banq ueagricoleinv-cam/index-html
|
27
|
26
|
Côte d'ivoire
|
Banque Nationale d'Investisseur
|
BN I
|
Development Bank
|
Sauleymane CISSÉ
|
info ibni.ci
|
https-//
www.bni.ci/groupe-bni/bni-bref
|
|
|
|
|
|
|
|
|
|
4 I Synopsis
|
Africa Asia I America
|
I Oceall Fls Literature I I R_data
|
|
|
Cli ... 0 14 I
|
E7
Technische Universitet München
***Appendix***
is Share P Comments
File Home Insert Page Layout Formulas Data Review View Help
1148
fr
I =su 2:I14S)/144
48
|
B
|
C
|
D
|
E
|
F
|
G
|
H
|
1
|
J
|
K
|
L
|
M
|
N S1
|
O DSO
|
P OS3
|
Q
Total Ass =
|
R
Total E · uit
|
S
Gross loan p ·
|
T
|
U
|
V
|
W
|
X
|
Y
page
|
Z Aut
|
AA
|
y
--
|
1
|
r - r -
|
- r - r - - r - - · r
|
r y v
|
· y
|
y · -
|
r --L
|
|
2
|
Africa
|
Cameroon Cooperative i
|
CamCCUL
|
Cameroon
|
cooperative
|
1968
|
12
|
1
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
$ 306,000,000.00
|
na
|
$ 188,000,000.00
|
Fombon l
|
https:llwr
|
https:lloa
|
https:#ca
|
World Co
|
1
|
World Co
|
mail® woc
|
3
|
Africa
|
Société Générale Côte r
|
SGBCI
|
Côte divoir
|
Commercial Bank
|
1962
|
28
|
0
|
0
|
0
|
1
|
0
|
1
|
0
|
0
|
na
|
$ 27,844,490.00
|
$ 268,500,450.00
|
Aymeric 1
|
https:llwr
|
cotedivoi
|
https:#sc
|
Enquête
|
90
|
CGAP
|
°gap@ w c
|
4
|
Africa
|
Banque Nationale Dinar
|
BNI
|
Côte divoir
|
Commercial Bank
|
1959
|
22
|
0
|
1
|
0
|
0
|
1
|
1
|
0
|
0
|
na
|
na
|
na
|
M. Yousc
|
https:llwti
|
info@bni
|
https:llwt
|
Enquête
|
81
|
CGAP
|
°gap@wc
|
5
|
Africa
|
Ecobank
|
ECO
|
Côte divoir
|
Commercial Bank
|
1989
|
47
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
na
|
$ 195,967,000.00
|
$ 1,555,378.00
|
Mr. Paul-
|
https:llwti
|
ecobank
|
https:llwt
|
Enquête
|
90
|
CGAP
|
cgap@wc
|
6
|
Africa
|
Société Ivoirienne de Ba
|
SIB
|
Côte divoir
|
Commercial Bank
|
1962
|
66
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
na
|
$ 17,900,030.00
|
na
|
Daouda I
|
https:llwti
|
http:llww
|
http:live
|
Enquête
|
90
|
CGAP
|
cgap@ w c
|
|
7
|
Africa
|
Nouvelle Société Interaf
|
NSIA
|
Côte divoir
|
Insurance ocmpar
|
1906
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
na
|
$ 265,475,344.00
|
na
|
BJanine
|
|
https:llwtiinfo@grohttps:#wt
|
|
Enquête
|
90
|
CGAP
|
cgap@wc
|
8
|
Africa
|
Advans Côte d'Ivoire
|
ADVANS
|
Côted'ivoir
|
MFI
|
2005
|
9
|
1
|
0
|
1
|
1
|
1
|
0
|
1
|
0
|
na
|
$ 12,530,021.00
|
$ 82,340,138.00
|
Mariamf
|
https:llwti
|
https:ller
|
https:llwt
|
Enquête
|
95
|
CGAP
|
cgap@wc
|
9
|
Africa
|
MicroCred Côte d'Ivoire
|
EIB
|
Côte divoir
|
MFI
|
2010
|
23
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
na
|
$ 5,728,009.00
|
na
|
Missa Hil<
|
https:llw%
|
https:ller
|
https:llwr
|
Enquête
|
95
|
CGAP
|
cgap@ w c
|
10
|
Africa
|
MUCREFAB - Microfinar
|
MUCREFAI
|
Côted'ivoir
|
MFI
|
1994
|
9
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
0
|
na
|
na
|
na
|
na
|
remuci@
|
info@mu
|
https:llwt
|
Enquête
|
95
|
CGAP
|
cgap@wc
|
11
|
Africa
|
Fonds International pouiFIORA
|
|
Côte divoir
|
MEl
|
2011
|
8
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
|
Dna
|
na
|
na
|
|
|
Franck Ahttps:llw%info@fidrhttps:llwtEnquête
|
|
|
85
|
CGAP
|
cgap@wc
|
12
|
Africa
|
Union Nationale des Car
|
UNACOOF
|
Côte divoir
|
MFI
|
1976
|
4
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
0
|
na
|
na
|
na
|
SAVANE
|
https:llci.
|
info@un:
|
https:llwr
|
Enquête
|
85
|
CGAP
|
cgap@ w c
|
13
|
Africa
|
Eswatini Association of`.SA000s
|
|
Eswatini
|
cooperative
|
1964
|
40
|
0
|
0
|
0
|
0
|
0
|
1
|
1
|
1
|
na
|
na
|
na
|
na
|
na
|
|
info@sasshttp:llww
|
World Co
|
1
|
World Co
|
mail@woc
|
14
|
Africa
|
Nib International Bank
|
NIB
|
Ethiopia
|
Commercial Bank
|
1999
|
189
|
1
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0
|
0
|
0
|
0
|
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|
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|
$ 682,278,953.00
|
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|
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|
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|
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|
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|
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|
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|
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|
15
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|
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|
2005
|
13
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|
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16
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1942
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1992
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|
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|
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|
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|
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|
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|
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19
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1984
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|
1991
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|
1984
|
92
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|
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|
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|
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|
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|
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|
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|
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|
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|
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24
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|
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1974
|
15
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|
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|
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|
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|
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|
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|
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|
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|
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|
25
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|
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|
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|
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|
1994
|
43
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0
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|
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|
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|
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|
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|
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|
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|
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|
copyright
|
26
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|
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|
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|
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|
2004
|
39
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|
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|
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|
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|
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|
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|
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|
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|
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|
27
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|
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|
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|
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|
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|
1962
|
47
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|
1
|
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|
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|
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|
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|
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|
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|
28
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|
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|
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|
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|
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|
1995
|
138
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|
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|
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|
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|
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|
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|
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|
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|
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|
29
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|
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|
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|
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|
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|
1998
|
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|
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|
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|
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|
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|
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|
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|
1999
|
10
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|
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|
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|
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|
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|
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|
$1,810,000,000.00
|
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|
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|
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|
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|
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|
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|
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|
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|
31
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|
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|
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|
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|
1999
|
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|
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|
32
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|
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|
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|
2010
|
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|
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|
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|
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|
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|
1991
|
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|
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|
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|
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|
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|
1
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|
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|
$9,100,000,000.00
|
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|
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|
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|
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|
|
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|
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|
77
|
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|
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|
34
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|
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|
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|
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|
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|
1962
|
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|
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|
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|
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|
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|
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|
copyright
|
35
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|
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Nigeria
|
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|
2009
|
8
|
0
|
1
|
1
|
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|
0
|
1
|
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|
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|
$ 128,477,119.00
|
$ 28,770,351.00
|
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|
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|
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|
helpdesk
|
https:lls.
|
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|
92
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CGAP
|
cgap@ w c
|
36
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|
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|
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|
1981
|
154
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|
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|
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$ 1,916,000,000.00
|
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|
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|
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|
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|
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92
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|
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1917
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320
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|
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|
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|
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|
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|
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|
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|
92
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|
38
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1948
|
67
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|
|
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|
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|
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|
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|
|
i Irsynopsis ' Africa
|
I Asia I
|
America 1
|
Fls Literature
|
1 Final_Database
|
R_data E ...
|
|
|
0i I I
|
I
|
|
***Appendix***
|
|
Technische Universitet München
|
R5tudio
File Edit Code View Plots Session Build Debug Profile Tools
Help
o ° - 61 lid+ 4
(o to FiIe/fundior Addirs Project: (None) -
R scriptR* X X20210922_database_Fls_144T PJ Clustering 1.R 9J
Clustering 2.R tJ ??
I8 D Source on save I Q - I I. - Run Source
Packages clusterSim, dplyr, and 3 others required but are not
installed, Install Don't Show Again
1 # Descriptive Analysis #
2 datai e- na.omit(x20210922_database_FIs__MAT)
3 data- data1[-1]
4 plot(data)
5 data
6 summary(data)
7 #Scale Data #
8- Data_scaled = apply(data, 2, function(r) f
9 if (sd(r) != 0)
10 res = (r - mean(r))/sd(r) else res D * r
11- res I)
12 summary(Data_5 caled)
13 # install packages#
14 # install.packages("dplyr")
15 # install. packages("ggplot2")
16 # install.packages("ygfortify")
17 # install.packages("factoextra")
18 # install.packages("stats")
19 # install. packages("clustersim")
20 # load required libraries #
21 library(stats)
22 library(dplyr)
23 library(ggplot2)
24 library(ggfortify)
25 library(factoextra)
26 # wss plot function #
27- wssplot r- function(Data_scaled, nc=15, seed=1234){
28 wss r-
(nrow(Data_sealed)-1)*sum(apply(Data_5caled,2,var))
29- for (i in 2:nc){
30 set.seed(seed)
31- wss[ï] e- sum(kmeans(Data_scaled,
centers=i)$withinss)]
32 plat(i:nc, wss, type="b", xlab="Number of clusters",
33- ylab="within groups sum of squares")}
34 # wss Plot to choose maximum number of clusters #
35 wssplot(Data_scaled)
11:9 8 <Function}() RScript
Environment History Connections Tutorial
LJIPIPIPIPIDILIDIP
a I ® Import Dateset - 122 Mie, -
R - I ; Global Environment -
Data
p Cl List of 10
()data 143 obs. of 12 variables
Data_scaled num [1:143, 1:12] -0.93 -0.93 -0.93
-0.93 -0.93
O datai 143 obs. of 13 variables
O- final List of 9
O- fith List of 7
O- gap_stat List of 6
Q
- KM List of 9
Q- x20210922_database__FI... 161 obs. of 13 variables
- 'dist' num [1.10153] 4.35 4.4 3.65 2.06 3.03 ...
chr [1:300] "-0.3€32" "-0.586" "0.1408' .0.098"
"0.6075' "-0._. int [1:143] 5 4 3 2 2 2 4 2 2 2 ...
'silhouette' num [1:143, 1:3] 5 4 3 2 2 2 4 2 2 2
...
values
d
- desc KM. cl usters
- sil Functions
wssplot function (Data_scaled, ne = 15, seed = 1234)
Console 51 Fie, Plots Packages Help
Viewer 51
49
|
***Appendix***
|
|
|
Technische Universitet München
RStudio
File Edit Code View Plots Session Build debug Profile Tools
Help
ak ^r - H _ · 4 Go to Pilejfundior
Addins -
|
R Project: {None) -
|
K.max = 10, B = 50)
# Print the result
#print(gap_stat, method = "firstmax")
#fviz_gap_stat(gap_stat)
# K-Means cluster #
Ki= kmeans(Data_scaled,5)#I
# Evaluating Cluster Analysis#
# Cluster plot 2#
autoplot(KM,Data_5caled,frame=TRUE)
# segmentation & visualization # KN1.clusters C-
KM$cluster
rownames(Data_scaled) <- data1Sid
fviz_cluster(list(data=Data_scaled,cluster=KM.clusters))
# cluster Membership #
KM$cluster
table(Ktn.clusters, datal$id) table(datai$id, la+l.clusters)
# clusters center # KM$centers
# descriptive statistics at the cluster level
library(clustersim) desc r- cluster.Description(Data_scaled,KM$cluster)
print(desc)
summary(desc)
library(factoextra)
sil cents- silhouette(KM$cluster, dist(Data_scaled))
fviz_si1houette(sil)
# Hierarchical clustering .... d <- dist(Data_scaled) fith
<- hclust(d, "ward.o2") piot(fith)
j RscriptR" --.X20210422_database_Frs_ht4T x P]
Clustering 1.R lq] Clustering 2.R o Environment History Connections
Tutorial
W J 18 D Source on Save q 4 ·
- I I - Run I a Source = = 8 I 0
Import Dataset - _ 122 MiB - j
Packages elusterSim, dplyr, and 3 others required but are not
installed. Install Don't Show Again % R - I ; Global
Environment
§ Data
cl List of 10
O data 143 obs. of 12 variables
Data_scaled num [1:143, 1:12] -0.93 -0.93 -0.93 -0.93 -0,93
O datai 143 obs. of 13 variables
Ofinal List of 9
Ofith List of 7
ü gap_stat List of 6
Q K List of 9
Q x20210922_database_FI... 161 obs. of 13 variables
values
d
desc
KM.clusters
sil
Functions
wssplot function (Data_scaled, ne = 15, seed = 1234)
RScript
5 Fies Plots Packages Help Viewer
49
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55:27 [fop Level)
i
Console
5171
'dist' num [1:10153] 4.35 4.4 3.65 2.06 3.03 ...
chr [1:300] "-0.3€32" "-0.586" "0.1408" '0.098' "0.6075"
"-0._. int [1:143] 5 4 3 2 2 2 4 2 2 2 ...
'silhouette' num [1:143, 1:3] 5 4 3 2 2 2 4 2 2 2
...
ust-I(6'-
Q
11 D DIDIP
50
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