```json
{
	"yes": ["none", "guarantor", "co applicant"],
	"no": ["none"]
}
```
Based on the feature description and task, it can be analyzed that individuals who have "none" as their other_parties value are more likely to receive a credit (target class "yes"). On the other hand, individuals who have any other value besides "none" as their other_parties value are less likely to receive a credit (target class "no").