Based on prior knowledge, we can analyze the relationship between the feature "other_payment_plans" and the target variable "Does this person receive a credit? Yes or no?"

Analyzing the relationship between the feature and the target, it is possible that the availability of other installment plans (banks or stores) may affect the credit decision. 

To create the dictionary as requested, we need to analyze the values of the feature "other_payment_plans" for each target class ("yes" or "no").

Here is the dictionary:

```json
{
	"yes": ["bank", "stores"],
	"no": ["none"]
}
```
In this case, we categorize the value "none" as not having an installment plan, and "bank" and "stores" as having other installment plans available. Keep in mind that this dictionary assumes that there are no other values for the "other_payment_plans" feature that could affect the target class.