I am trying to run logistic regression model and getting below error.
model1 <- glm(state~. -LanID, data = deliq, family = "binomial", maxit = 50)
Error in `contrasts<-`(`*tmp*`, value = contr.funs[1 + isOF[nn]]) :
contrasts can be applied only to factors with 2 or more levels
I know this error normally appears when you have one level in a factor variable or only one level has some value(and others are does not have any value).
I have checked all factor variable, none of them seems to have one level only. Please see the summary and str() output on data.
> str(deliq)
'data.frame': 56730 obs. of 46 variables:
$ LanID : chr "ADV1611581752568472" "ADV1611949561233693" "ADV1612029494951053" "ADV1612029915281654" ...
$ Region : Factor w/ 4 levels "EAST","NORTH",..: 4 3 3 3 3 3 3 3 3 3 ...
$ Loan.City : Factor w/ 7 levels "Bangalore","Chennai",..: 7 1 1 4 4 1 2 2 6 6 ...
$ Loan.Type : Factor w/ 6 levels "EMI Free Loan",..: 2 5 5 5 2 5 5 5 5 5 ...
$ Loan.Scheme : Factor w/ 26 levels "Advance Salary Loan",..: 21 21 21 21 21 21 21 21 21 21 ...
$ Loan.Status : Factor w/ 2 levels "active","closed": 1 2 1 2 2 1 1 1 1 2 ...
$ Principal.Outstanding : num 0 0 0 0 0 0 0 0 0 0 ...
$ Last.EMI : num 8776 6609 11409 12287 13164 ...
$ Sum.Instalment.Posted : int 52656 39654 68454 73722 13164 78984 89520 84252 52656 73722 ...
$ Dues.Receipts : num 53248 39654 57753 73722 13216 ...
$ EMI.Due : num -592 0 10701 0 -52 ...
$ All.Dues : num 2859 0 17164 0 0 ...
$ Instalment.Dues : num 1776 0 11409 0 0 ...
$ Bullets.Overdue : num 0 0 0 0 0 0 0 0 0 0 ...
$ Loan.Quality : Factor w/ 7 levels "Closed","Doubtful",..: 6 6 5 6 6 7 6 6 7 6 ...
$ Sanctioned.Amount : int 50000 225000 65000 70000 75000 75000 85000 80000 50000 70000 ...
$ Loan.Amount : int 50000 225000 65000 70000 75000 75000 85000 80000 50000 70000 ...
$ Tenure : Factor w/ 24 levels "3","5","6","8",..: 3 23 3 3 3 3 3 3 3 3 ...
$ Completed.Tenure : num 6 6 6 6 1 6 6 6 6 6 ...
$ Tenure.Left : num 0 42 0 0 5 0 0 0 0 0 ...
$ No..Of.Late.Payments : int 4 0 6 0 0 6 0 0 5 0 ...
$ Gender : Factor w/ 2 levels "female","male": 1 2 2 2 1 2 2 2 2 2 ...
$ Educational.Qualification: Factor w/ 6 levels "graduate","Not Available",..: 1 1 1 1 1 1 1 4 1 1 ...
$ Marital.Status : Factor w/ 3 levels "married","single",..: 2 1 1 2 1 1 1 2 2 1 ...
$ Job.Type : Factor w/ 9 levels "delivery-boy/driver",..: 6 6 6 6 6 6 6 6 6 6 ...
$ Employment.Year : Factor w/ 4 levels "less-than-2-years",..: 3 3 3 2 3 1 1 3 2 3 ...
$ Age : num 29 37 37 28 31 31 44 25 29 43 ...
$ relevant_pos : num 0 0 11241 0 0 ...
$ crif_active_accounts : int 6 19 1 9 11 4 4 20 5 5 ...
$ crif_overdue_amt : int 0 0 23653 0 0 0 0 0 10486 0 ...
$ crif_current_outstanding : num 849716 1095088 23000 170614 621655 ...
$ cibil_active_accounts : int 0 0 0 0 0 0 0 0 0 0 ...
$ cibil_overdue_amt : int 0 0 0 0 0 0 0 0 0 0 ...
$ cibil_current_outstanding: int 0 0 0 0 0 0 0 0 0 0 ...
$ NACH.status : Factor w/ 6 levels "active","nach-registration-initiated",..: 4 5 4 5 5 4 4 4 4 5 ...
$ Awarenss.Allocation : Factor w/ 17 levels "Cheque","Chq Banked ",..: 12 4 12 4 4 12 12 12 12 4 ...
$ Tenure.End : Factor w/ 6 levels "Closed","No",..: 3 1 3 1 1 3 3 3 3 1 ...
$ LastMonthBkt : Factor w/ 28 levels "-","#N/A","0",..: 1 1 4 1 1 24 1 1 15 1 ...
$ LastMonthBnc : Factor w/ 4 levels "-","1st EMI",..: 1 3 1 3 3 1 1 1 1 3 ...
$ PAID.Unpaid : Factor w/ 2 levels "Closed","Running": 2 1 2 1 1 2 2 2 2 1 ...
$ Last.Month.delinq : Factor w/ 7 levels "1","2","3","4",..: 6 6 6 6 6 6 6 6 6 6 ...
$ CIBIL.Bracket : Factor w/ 11 levels "-1","490-600",..: 3 4 6 3 6 3 6 3 6 6 ...
$ Salary.Bracket : Factor w/ 10 levels "125K-200K","30k-40k",..: 3 3 4 3 4 5 5 4 3 4 ...
$ DELINQ.NON.DELINQ : Factor w/ 2 levels "DELINQ","NON DELINQ": 2 2 1 2 2 1 2 2 1 2 ...
$ Month : int 6 6 6 6 6 6 6 6 6 6 ...
$ state : Factor w/ 3 levels "No Change","To DELINQ",..: 1 1 1 1 1 1 1 1 1 1 ...
> summary(deliq)
LanID Region Loan.City Loan.Type
Length:56730 EAST : 10 Bangalore:14146 EMI Free Loan : 5948
Class :character NORTH:16224 Chennai : 3766 Others :11488
Mode :character SOUTH:23085 Delhi NCR:15081 Overdraft Loan : 2127
WEST :17411 Hyderabad: 4544 Paytm Term Loan :17100
Mumbai : 4995 Personal Term Loan :18143
Others : 3737 Upward Term Loan - Loantap: 1924
Pune :10461
Loan.Scheme Loan.Status Principal.Outstanding Last.EMI
Paytm Term Loan :17100 active:47009 Min. : 0 Min. : 2
SALARIED :16792 closed: 9721 1st Qu.: 17629 1st Qu.: 3809
SALARIED :13465 Median : 100000 Median : 7344
Personal Term Loan: 5115 Mean : 147043 Mean : 7335
EMI Free Loan : 1523 3rd Qu.: 199821 3rd Qu.: 9456
HF LOAN : 729 Max. :2413127 Max. :138450
(Other) : 2006
Sum.Instalment.Posted Dues.Receipts EMI.Due All.Dues Instalment.Dues
Min. : 0 Min. : 0 Min. :-51827 Min. :-50787 Min. :-50787
1st Qu.: 20316 1st Qu.: 18000 1st Qu.: 0 1st Qu.: 0 1st Qu.: 0
Median : 47280 Median : 41125 Median : 0 Median : 0 Median : 0
Mean : 57615 Mean : 52421 Mean : 5194 Mean : 6662 Mean : 4558
3rd Qu.: 81264 3rd Qu.: 75152 3rd Qu.: 2189 3rd Qu.: 3154 3rd Qu.: 1529
Max. :1456140 Max. :1456140 Max. :501664 Max. :763635 Max. :361524
Bullets.Overdue Loan.Quality Sanctioned.Amount Loan.Amount Tenure
Min. : 0 Closed : 8075 Min. : 15000 Min. : 15000 60 :24079
1st Qu.: 0 Doubtful : 389 1st Qu.: 100000 1st Qu.: 100000 12 :15189
Median : 0 Not Available: 111 Median : 150000 Median : 150000 24 : 5239
Mean : 1596 SMA1 : 2361 Mean : 209688 Mean : 209688 36 : 4859
3rd Qu.: 0 SMA2 : 1398 3rd Qu.: 250000 3rd Qu.: 250000 48 : 3503
Max. :333334 Standard :41393 Max. :2500000 Max. :2500000 18 : 2550
SubStandard : 3003 (Other): 1311
Completed.Tenure Tenure.Left No..Of.Late.Payments Gender
Min. : 0.000 Min. : 0.00 Min. : 0.000 female: 5258
1st Qu.: 4.000 1st Qu.: 7.00 1st Qu.: 0.000 male :51472
Median : 7.000 Median :32.00 Median : 0.000
Mean : 8.028 Mean :29.98 Mean : 1.691
3rd Qu.:11.000 3rd Qu.:52.00 3rd Qu.: 2.000
Max. :37.000 Max. :60.00 Max. :27.000
NA's :21
Educational.Qualification Marital.Status Job.Type
graduate :32823 married :40947 salaried :37990
Not Available : 2861 single :15439 self-employed :17959
others : 1757 undefined: 344 others : 248
post-graduate :11670 sales & marketing : 186
professional : 1746 operations : 154
under-graduate: 5873 finance & accounting: 104
(Other) : 89
Employment.Year Age relevant_pos crif_active_accounts
less-than-2-years: 8374 Min. : 1.00 Min. : 0 Min. : 0.000
less-than-5-years: 9238 1st Qu.:29.00 1st Qu.: 25709 1st Qu.: 2.000
more-than-5-years:25568 Median :33.00 Median : 100000 Median : 6.000
Not Available :13550 Mean :33.57 Mean : 150620 Mean : 6.678
3rd Qu.:37.00 3rd Qu.: 200000 3rd Qu.: 10.000
Max. :74.00 Max. :2413127 Max. :533.000
crif_overdue_amt crif_current_outstanding cibil_active_accounts cibil_overdue_amt
Min. : -12 Min. :-1.526e+08 Min. : 0.00 Min. : 0
1st Qu.: 0 1st Qu.: 1.492e+04 1st Qu.: 0.00 1st Qu.: 0
Median : 0 Median : 4.392e+05 Median : 0.00 Median : 0
Mean : 12791 Mean : 4.583e+06 Mean : 3.41 Mean : 4761
3rd Qu.: 0 3rd Qu.: 1.538e+06 3rd Qu.: 6.00 3rd Qu.: 0
Max. :40236040 Max. : 9.000e+10 Max. :78.00 Max. :4409530
cibil_current_outstanding NACH.status Awarenss.Allocation
Min. :-152975611 active :31716 None :23641
1st Qu.: 0 nach-registration-initiated: 1070 Nach :14511
Median : 0 nach-sent-for-registration : 644 NACH PRESENTED : 7428
Mean : 685390 Not Available :10770 Closed : 1640
3rd Qu.: 537990 Others : 9701 RCSPL-WEST : 1544
Max. : 276999154 rejected : 2829 NACH NOT REG : 1281
(Other) : 6685
Tenure.End LastMonthBkt LastMonthBnc PAID.Unpaid Last.Month.delinq
Closed : 1640 0 :18694 - :53553 Closed : 1640 1 : 571
No :51132 - :16576 1st EMI: 296 Running: 8444 2 : 320
Tenure End : 384 #N/A : 9058 Closed : 1640 NA's :46646 3 : 295
Tenure End : 1018 X : 4561 Yes : 1241 4 : 110
Yes : 1815 1 : 2550 5 : 89
YES : 741 2 : 1500 More-than-5:53888
(Other): 3791 X : 1457
CIBIL.Bracket Salary.Bracket DELINQ.NON.DELINQ Month
Not Available:20932 50K-70K :12334 DELINQ : 7841 Min. : 6.000
701-750 :10293 Less than 30K: 8943 NON DELINQ:48889 1st Qu.: 7.000
676-700 : 8259 40K-50K : 7098 Median : 8.000
601-650 : 5566 70K-90K : 7062 Mean : 8.126
651-675 : 5502 90K-125K : 5801 3rd Qu.: 9.000
-1 : 1978 30K-40K : 3831 Max. :10.000
(Other) : 4200 (Other) :11661
state
No Change :54860
To DELINQ : 1374
To NON-DELINQ: 496
I tried model1 <- glm(deliq[,'state']~deliq[,2:45]) as well as suggested in this stackoverflow post
Please suggest what is going wrong here?
