model

Globals [delta-richesse payback old-richesse besoin scenario proba-FIN-LARGE-BI proba-FIN-FAIBLE-BI proba-DEP-BI ]
breed [Consommateurs Consommateur]
breed [Banques banque]
Consommateurs-own [segment revenu consommation richesse dette placement depot-IC depot-IB financement-IB financement-IC]
Banques-own [nature gains depots capital cash financement qualité prix conformité proximité]

to setup
  
  clear-all
  
  reset-ticks
  
  create-banques 1

  [
    Set Nature "I"
    set capital 200000
    Set depots 0
    Set cash capital 
    Set gains 0
    Set financement 0
    Set qualité Quality-IB
    Set prix Price-IB
    Set conformité 1
    hide-turtle
  ]

  create-banques 1

  [
    Set Nature "C"
    set capital 200000
    Set depots 0
    Set cash capital 
    Set gains 0
    Set financement 0
    Set qualité Quality-CB
    Set prix Price-CB
    Set conformité 0
    hide-turtle
  ]
  
  
create-consommateurs #customers
[
set shape "square"
set color white
setxy random-xcor random-ycor
]


Set proba-FIN-FAIBLE-BI round ( 100 * exp (0.592 * Price-IB + 1.162 * Compliance-IB + 0.466 * Proximity-IB + 0.431 * Quality-IB) / (exp (0.592 * Price-IB + 1.162 * Compliance-IB + 0.466 * Proximity-IB + 0.431 * Quality-IB) + exp (0.592 * Price-CB - 1.162 + 0.466 * Proximity-CB + 0.431 * Quality-CB) ) )

Set proba-FIN-LARGE-BI round ( 100 * exp (0.998 * Price-IB + 1.004 * Compliance-IB + 0.361 * Proximity-IB + 0.431 * Quality-IB) / (exp (0.998 * Price-IB + 1.004 * Compliance-IB + 0.361 * Proximity-IB + 0.431 * Quality-IB) + exp (0.998 * Price-CB - 1.004 + 0.361 * Proximity-CB + 0.431 * Quality-CB) ) )

Set proba-DEP-BI round ( 100 * exp (0.422 * Price-IB + 0.939 * Compliance-IB + 0.480 * Proximity-IB + 0.428 * Quality-IB) / (exp (0.422 * Price-IB + 0.939 * Compliance-IB + 0.480 * Proximity-IB + 0.428 * Quality-IB) + exp (0.422 * Price-CB - 0.939 + 0.480 * Proximity-CB + 0.428 * Quality-CB)))
end 

To Go
  
 while [ticks < 200] 
 [
  
  set delta-richesse 0
  
  Set payback 0
      
  Ask consommateurs 
  [
    
  set color white
  
  set revenu round random-normal Average-income SD-income
  
  set consommation round random-normal Average-spending SD-spending
  
  Set delta-richesse revenu - consommation
    
  ifelse (revenu - consommation) > 0
  
  [
  
   ifelse (  dette > 0 )
  
   [
  
     ifelse ( (revenu - consommation) >= dette )
            
     [
       
       
    Ifelse ( random 101 < proba-DEP-BI)  [ set color 55 ] [ set color RED ] ;; dessine des agents sous forme de carrés colorés
      
                  
       set scenario "A"
       set payback dette
       set dette 0
       set richesse richesse +  (revenu - consommation)
   
     ]
     
          
     [
     
       set scenario "B"
       set payback (revenu - consommation)
       set dette dette - (revenu - consommation)
       set richesse richesse +  (revenu - consommation)
     ]
     
     
   ] 
       
       
  [ ;; cas ou il n'y a pas de dette
    
    
    ifelse  random 101 < proba-DEP-BI [   set color 55  ] [ set color RED ]
    
    
    set scenario "C"
    set richesse richesse +  (revenu - consommation)
  ]
  
  
  
  ]
  
  
  [ ;; cas ou la consommation depasse le revenu
    
    ifelse ( richesse < consommation - revenu )
        
    [
    
  Let binary random 2 ;; variable temporaire 
   
 IFELSE   random 101 < (binary * proba-FIN-FAIBLE-BI + binary * proba-FIN-LARGE-BI) [ set color 51 ] [ set color pink ] ;; dessine des agents sous forme de carrés colorés
  
       
    
      ifelse richesse > 0
    
      [
      set scenario "D"
      set old-richesse richesse
      set besoin consommation - revenu - richesse
      set richesse richesse +  (revenu - consommation)
      set dette dette + besoin
      ]
    
      
      [
      set scenario "F"
      set besoin consommation - revenu
      set richesse richesse +  (revenu - consommation)
      set dette dette + besoin
      ]  
      
    ]
    
    [
      set scenario "E"
      set richesse richesse +  (revenu - consommation)
    ]
  ]
     
    
 IFELSE   random 101 < proba-DEP-BI  ;; fonction de décision pour les dépots
             
    [
   
      
       ask banques with [Nature = "I"]
        
    [
      IF scenario = "A"
   
      [
      set depots depots + delta-richesse - payback
      
      Set cash cash + delta-richesse - payback
      
      ]
      
            
    IF scenario = "C" or scenario = "E"
   
    [
      set depots depots + delta-richesse
      
      Set cash cash + delta-richesse
      
      ]  
     
     
     IF scenario = "D"
   
    [
           set depots depots - old-richesse
          
           Set cash cash - old-richesse
      ]
    
        
    ]
    
    ]
          
  
  [
      

       
      ask banques with [Nature = "C"]
    
    
    [
      IF scenario = "A"
   
      [
      set depots depots + delta-richesse - payback
      Set cash cash + delta-richesse - payback
      
      ]
      
      
    IF scenario = "C" or scenario = "E"
   
    [
      set depots depots + delta-richesse
    
      Set cash cash + delta-richesse
      
      ]  
     
     IF scenario = "D"
   
    [
           set depots depots - old-richesse
           
           Set cash cash - old-richesse

      ]
    
   
    ]
     
 
  ]
  
 Let binary random 2 ;; variable temporaire 
   
 IFELSE   random 101 < (binary * proba-FIN-FAIBLE-BI + binary * proba-FIN-LARGE-BI) ;; fonction de décision pour les financements
               
    [

      
       ask banques with [Nature = "I"]
      
    
    [
      IF scenario = "A"
   
      [
     
      set financement financement - payback
      
      set cash cash + payback
      
      ]
      
    
    IF scenario = "B"
   
    [
           set financement financement - payback
           set cash cash + payback
           
      ]
      
 
     
     IF scenario = "D"
   
    [

           set financement financement + besoin
           set cash cash - besoin
      ]
    
     IF scenario = "F"
   
    [
             set financement financement + besoin
             set cash cash - besoin
             
      ]
    
    ]
    
    ]
          
  
  [
      
       
      ask banques with [Nature = "C"]
          
    [
      IF scenario = "A"
   
      [

      
      set financement financement - payback
      set cash cash + payback
      ]
      
    
    IF scenario = "B"
   
    [
           set financement financement - payback
           set cash cash + payback
      ]
      
    
     
     IF scenario = "D"
   
    [

           set financement financement + besoin
           set cash cash - besoin
      ]
    
    IF scenario = "F"
   
    [
             set financement financement + besoin
             set cash cash - besoin
      ]
    
    ]
       
  
  ]
  
  
    ]
  
  tick 
  
  ]
 
End