Based on my prior knowledge, the feature "own_telephone" can be a potential indicator of whether a person receives credit or not. Let's analyze the relationship between the feature and the task.

Analyzing the relationship between "own_telephone" and the task of whether a person receives credit or not:

- If a person owns a telephone ("own_telephone" = 'yes'), it might suggest that they have a stable communication method, which can be positive in terms of creditworthiness. Therefore, it is possible that a higher number of people who own a telephone may receive credit.

- On the other hand, if a person has no telephone ("own_telephone" = 'none'), it might indicate a lack of stable communication, which could be seen as a risk factor in terms of creditworthiness. Therefore, it is possible that a lower number of people who have no telephone may receive credit.

Based on this analysis, let's create the dictionary:

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

This dictionary shows that individuals who own a telephone ('yes') are more likely to receive credit, while individuals who have no telephone ('none') are less likely to receive credit.