A Cost of Misclassification Adjustment Approach for Estimating Optimal Cut-Off Point for Classification

Table 9

Parameter estimates for the home equity loan data.

Variable	Estimate	Std. error	z value
Intercept	6.9358	0.7013	9.8890	<2e − 16
Loan	−0.4115	0.0349	−11.7860	<2e − 16
Mortdue	0.0238	0.0084	2.8110	0.0049
Value	−0.0072	0.0069	−1.0440	0.2966
Reason 2	−0.0441	0.2084	−0.2120	0.8323
Job 2	0.8219	0.3824	2.1490	0.0316
Job 3	0.2916	0.3136	0.9300	0.3525
Job 4	0.5350	0.3734	1.4330	0.1520
Job 5	−1.0364	0.5560	−1.8510	0.0642
Job 6	−0.8374	0.7247	−1.1550	0.2479
Years	0.0510	0.0157	3.2400	0.0012
Debtinc	−0.0866	0.01466	−5.9350	2.93e − 09