Structure Matrix

The structure matrix shows the correlation of each predictor variable with the discriminant function. The ordering in the structure matrix is the same as that suggested by the tests of equality of group means and is different from that in the standardized coefficients table. This disagreement is likely due to the collinearity between Years with current employer and Credit card debt in thousands noted in the correlation matrix. Since the structure matrix is unaffected by collinearity, it's safe to say that this collinearity has inflated the importance of Years with current employer and Credit card debt in thousands in the standardized coefficients table. Thus, Debt to income ratio (x100) best discriminates between defaulters and nondefaulters.

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