WOW !! MUCH LOVE ! SO WORLD PEACE !
Fond bitcoin pour l'amélioration du site: 1memzGeKS7CB3ECNkzSn2qHwxU6NZoJ8o
  Dogecoin (tips/pourboires): DCLoo9Dd4qECqpMLurdgGnaoqbftj16Nvp


Home | Publier un mémoire | Une page au hasard

 > 

Colloquium financial institutions in the global south


par Mohamed Ali Trabelsi
Technical University of Munich - Master of science Agricultural Management 2021
  

précédent sommaire

Bitcoin is a swarm of cyber hornets serving the goddess of wisdom, feeding on the fire of truth, exponentially growing ever smarter, faster, and stronger behind a wall of encrypted energy

V.Limitations and further research needs

VI.Conclusion

38

VII.Recommendations

 
 
 
 

*** Limitations ***

 
 

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

 
 
 
 

Source of images

 
 

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

0

0

0

0

1

0

0

$ 682,278,953.00

$ 605,495,148.00

$ 550,649,573.00

Haimano

https: lier

nibconta

https:lier

AVCF To

38

Calvin Mil

copyright

15

Africa

Harbu Microfinance

HARBU

Ethiopia

MFI

2005

13

0

1

0

0

0

0

0

0

$ 1,300,000.00

na

na

Alazar Ta

https:llwr

harbumfi

https:llbt

Value Ch

246

KIT and II

publicatio

16

Africa

Commercial Bank of Eth

CBE

Ethiopia

Islamic Bank

1942

1714

0

0

0

0

0

1

0

0

###############

na

na

Abreham

https:llwr

cbe@col

https:llcc

Risks anc

29

Rauno 2

die@die-

17

Africa

National Association of f

NACCUG

Gambia

cooperative

1992

6

0

0

0

0

0

0

0

0

$ 40,108,030.00

 

$ 24,483,575.00

Pa Mend

https:llwr

infonacc

https:ller

World Co

1

World Co

mail® woc

18

Africa

Ghana Co-operative CrE

CUAgh

Ghana

cooperative

1955

11

0

0

0

1

0

0

0

0

$ 27,754,675.00

$ 93,766,590.00

$ 48,067,968.00

Emmanu,

https:ller

brongah,

https:llwr

World Co

1

World Co

mail® woc

19

Africa

Equity Bank

Equitykeny

Kenya

Commercial Bank

1984

10

1

1

0

0

1

1

0

0

$3,000,000,000.00

na

na

Elizabeth

https:ller

info@eqt

https:llec

AVCF To

8

Calvin Mil

copyright

20

Africa

Agricultural Finance Cor

AFC

Kenya

Agricultural Bank

1963

8

1

1

1

0

0

0

0

0

$6,600,000,000.00

na

na

JACKSO

https:ller

info@agr

https:llwt

AVCF To

12

Calvin Mil

copyright

21

Africa

Faulu Kenya

FAULU

Kenya

MFI

1991

67

1

1

0

1

0

0

0

1

$ 270,615,033.00

na

na

 

Apollo Nihttps:llerinfo@f

 

auhttps:llwtAVCFTo

 

50

Calvin Mil

copyright

22

Africa

Family Bank

FAMILY

Kenya

Commercial Bank

1984

92

1

1

0

0

0

1

1

1

$ 696,000,000.00

$ 114,785,459.00

$ 660,471,889.00

Rebecca

https:ller

info@fan

https:llfa

AVCF To

50

Calvin Mil

copyright

23

Africa

Cooperative Bank

co-opbanl

Kenya

Commercial Bank

1931

100

0

1

1

0

0

1

1

0

$3,900,000,000.00

na

na

William N.

https:ller

customer

https:llwt

AVCF To

50

Calvin Mil

copyright

24

Africa

Unity Finance

k-Unity

Kenya

cooperative

1974

15

1

0

0

0

0

1

1

1

$2,900,000,000.00

na

na

stella war

https:ller

INFO @K

 

https:llwtAVCFTo

50

Calvin Mil

copyright

25

Africa

Eclof Kneya

ECLOF

Kenya

MFI

1994

43

1

1

0

0

0

0

0

0

na

na

na

Mary Mur

https:ller

info@ecl

https:llwt

AVCF To

50

Calvin Mil

copyright

26

Africa

JuhudiKilimo

JUHUDI

Kenya

MFI

2004

39

1

0

1

0

0

0

0

0

na

na

na

Bernardi

https:ller

info@juh

https:lllul

Agriculta

143

DanielaF

bidem@iE

27

Africa

Malawi Union of Savings

MUSCCO

Malawi

cooperative

1962

47

1

0

1

1

0

0

0

0

na

na

na

Banda

ww.linke

muscccti

https lier

World Cc

1

World Co

mail@woc

28

Africa

Millenniumbim - Particul

BIM

Mozambiq

Commercial Bank

1995

138

0

0

1

0

0

0

0

1

na

na

na

Miguel

ww.linke

cac@mill

https:llmi

UserGuir

10

CGAP

cgap@wc

29

Africa

socremo banco de micrt

SOREMCC

Mozambiq

Commercial Bank

1998

13

0

0

0

0

0

0

0

0

na

na

na

Manjate

ww.linke

secretari.

http:llww

User Guit

21

CGAP

cgap@ w c

30

Africa

African Banking Corpora

BancABC

Mozambiq

Commercial Bank

1999

10

0

0

0

0

0

0

0

0

$1,810,000,000.00

na

na

Silva

wwlinke

 

mz-callc,https:llwr

User Guit

77

CGAP

cgap@wc

31

Africa

Banco Mais

BANCOMP

Mozambiq

Commercial Bank

1999

7

0

0

0

0

0

1

0

1

na

na

na

Jivane

ww.linke

 

info@bahttps:llwt

User Gus

77

CGAP

cgap@wc

32

Africa

Banco Unico

BANCOUN

Mozambiq

Commercial Bank

2010

2

0

0

0

0

0

0

0

0

na

na

na

Carlos

we linke

 

https:llwr

User Guit

77

CGAP

cgap@ w c

33

Africa

Barclays Bank

ABSA

Mozambiq

Commercial Bank

1991

3

0

0

0

0

0

1

0

1

$9,100,000,000.00

na

na

Namarro

ww.linke

 

linhaclierhttps:llwr

User Guit

77

CGAP

cgap@wc

34

Africa

Central Bank of West Afr

BCEAO

Niger

International FI

1962

3

0

0

0

0

0

0

0

0

na

na

na

na

 

https:ller

https:llwt

AVCF To

104

Calvin Mil

copyright

35

Africa

SunTrust Bank

Suntrust

Nigeria

Commercial Bank

2009

8

0

1

1

0

0

1

1

0

$ 128,477,119.00

$ 28,770,351.00

$ 62,438,759.00

Ayodeji E

https:ller

helpdesk

https:lls.

CGAP Sr

92

CGAP

cgap@ w c

36

Africa

Keystonebank

KEWSTON

Nigeria

Commercial Bank

1981

154

0

1

0

0

1

1

0

0

$ 1,916,000,000.00

$ 213,300,000.00

na

Olaniran

https:ller

contactc

https:llwt

CGAP Sr

92

CGAP

cgap@wc

37

Africa

Union Bank of Nigeria

UBN

Nigeria

Commercial Bank

1917

320

1

1

0

0

1

1

0

1

$ 4,100,000,000.00

na

na

David Ad

https:ller

customei

https:llwt

CGAP Sr

92

CGAP

cgap@ w c

38

Africa

UBAGroupCorporate

UBAG

Nigeria

Commercial Bank

1948

67

0

0

0

1

1

1

0

0

###############

na

na

Kennedy

 

https:llwtiinfo@hbrhttps:llwt

 

CGAP Sr

92

CGAP

cgap@wc

 

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

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

76

77

78

79

80

81

82

83

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

précédent sommaire










Bitcoin is a swarm of cyber hornets serving the goddess of wisdom, feeding on the fire of truth, exponentially growing ever smarter, faster, and stronger behind a wall of encrypted energy



"Ceux qui vivent sont ceux qui luttent"   Victor Hugo