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

Based on prior knowledge, it is likely that individuals who own a telephone are more likely to be creditworthy and therefore receive a credit. As a result, the "yes" class in the target variable is associated with the value "yes" in the feature variable "own_telephone". On the other hand, individuals who do not own a telephone may be seen as less creditworthy, hence the "no" class in the target variable is associated with the value "none" in the feature variable "own_telephone".