Based on the provided feature description and task, we need to analyze the relationship between the feature "personal_status" and the target variable "Does this person receive a credit?".

From the given feature description, the possible values of "personal_status" are:
- 'male single'
- 'female div/dep/mar'
- 'male div/sep'
- 'male mar/wid'

To analyze the relationship, we need information about the target variable for each of these values. Unfortunately, the task does not provide this information. Therefore, without any knowledge about the relationship between the feature and the target, we cannot accurately determine the dictionary format.

However, I can provide an example format based on assumptions. Please keep in mind that this format may not be accurate without actual data:

```json
{
  "yes": ["male single", "male mar/wid"],
  "no": ["female div/dep/mar", "male div/sep"]
}
```

In this example, we assume that individuals who are "male single" or "male mar/wid" are more likely to receive credit (target = "yes") and individuals who are "female div/dep/mar" or "male div/sep" are less likely to receive credit (target = "no"). However, without actual data or knowledge about the relationship, this is only a hypothetical example.

To accurately determine the dictionary format, we would need access to the dataset or additional information about the relationship between the feature and the target.