Task 2: Exploring

To view the rules in your rule project:

1. Make sure you are signed in to Decision Center as rtsUser1 and that the Project in use is set to miniloan-rules, as described in Task 1: Starting Decision Center.
2. Click the Explore tab.
3. Under Business Rules, click the eligibility folder.

   The eligibility folder contains two action rules and a decision table. These rules compose the business policy that defines whether a borrower is eligible for a loan.

4. In the table, click the minimum income rule to open it.

   The following action rule is displayed in the Content section:

   if 
     the yearly repayment of 'the loan' is more than the yearly income of 
   'the borrower' * 0.3
   then 
     add "Too big Debt-To-Income ratio" to the messages of 'the loan' ;
     reject 'the loan' ;

   In this rule, the loan is rejected if the yearly repayment of the loan is more than 30% of the yearly income of the borrower.

To view a decision table:

1. Click the Explore tab to go back to the list of project elements.
2. In the table displaying the business rules of the eligibility folder, click repayment and score.

   In this decision table, the debt to income and credit score columns define the conditions, and the message and rejected columns define the actions. The condition and action columns are displayed in a different color, as shown in the following figure:

   

   In this table, the conditions are based on the repayment capacity of the borrower: debt-to-income ratio and credit score. The actions define the message to display when the loan is rejected, and the reasons for the rejection of the loan. The Disable action icon defines the action cells that do not require any action. For example, if the debt-to-income ratio and the credit score are sufficient, the loan is accepted and no action is required.

   The debt-to-income ratio is the percentage of the borrower’s monthly gross income that is used to pay debts. It is used to compare the debt payments to the income.

   The credit score is a number to determine the likelihood that the borrowers will pay their debts.

To generate a project report:

1. Click the Analyze tab.
2. Under Project Report, click Generate Project Report.

   On the Queries page, <none> is selected because there are no queries yet. Therefore, the report returns all the rule artifacts in the project.

3. Click Generate Report.
4. On the Project Report page, click miniloan-rules to view the report.

   The Business Rule Report opens in a new window, and provides details on the project elements:

   Parameters

   The values of the parameters, here borrower and loan, are the base of the decision. Ruleset parameters define the data that is sent to the application and the type of information that can be retrieved.

   Rule Artifacts

   The Rule Artifacts section displays the packages, the action rules and the decision table, and lists the properties for each artifact.

   Ruleflows

   A ruleflow defines the flow of execution of the rules. The rules are organized into tasks and the ruleflow specifies how tasks are chained together: how, when, and under what conditions they are executed.

5. Close the HTML report.

To write and run a query:

1. Click the Query tab.
2. In the Name field, type Uses Yearly Income.
3. In the editor, use the completion menu as follows:
   
4. Continue using the completion menu to build the following query:

   Find all business rules
   		such that each business rule uses the value of the yearly income of a borrower

   The query is displayed as follows in the query editor:

   
5. Click Save to save the query.
6. Click Run Query.

   The query results show the minimum income rule, and the repayment and score decision table.

7. To help you evaluate which rules you must change to implement the new policy, click the link Generate Report on Query Results.
8. On the Project Report page, click miniloan-rules to view the report.

   An HTML report is displayed, showing details for all the rules that the query returned.

   Looking at the report, you see that repayment and score already calculates the debt-to-income ratio and the credit score, therefore only minimum income needs to be changed to implement the policy change.

9. Close the HTML report, and click the Back button in the Analyze tab, to return to the Query tab.