Based on prior knowledge, it can be hypothesized that owning a telephone could potentially be a positive factor in determining whether a person receives credit or not. Generally, people who own a telephone may have a more stable financial situation and can be easily contacted by lenders, thus increasing their chances of receiving credit.

Based on this analysis, the dictionary can be created as follows:

```json
{
	"yes": ["yes"],
	"no": ["none"]
}
```

In this case, the target class "yes" is associated with the feature value "yes", indicating that people who own a telephone are more likely to receive credit. The target class "no" is associated with the feature value "none", indicating that people who do not own a telephone are less likely to receive credit.