1
Days delinquent in month O1 (observation month)
2
Months since last promise made
3
Number of times delinquency is unchanged in months O1–O4
4
Number of payments in month O1 (observation month)
5
Number of times the payment made exceeded the instalment amount in months O12 to O1
6
Total number of actions in months O7–O12
7
Total payments in last 3 months / Total number of actions in last 3 months
8
Total kept promise amount in months O1–O6