I want to create this tree that each node have its own shape. for example each nodes be circle and leaves be square.

this code perfectly work but I want to use tree in my code.
\begin{tikzpicture}
\matrix [column sep=1cm, row sep=1cm] {
& & \node (in) [draw, shape=circle] {Income}; \\
\node (lo) [draw, shape=rectangle, minimum size=1cm] {Loan}; & &
\node (ms) [draw, shape=circle] {MS}; & & &
\node (cr) [draw, shape=circle] {CR}; \\
& \node (lo2) [draw, shape=rectangle, minimum size=1cm] {Loan}; & &
\node (noLoan) [draw, shape=rectangle, minimum size=1cm] {No loan}; &
\node (lo3) [draw, shape=rectangle, minimum size=1cm] {Loan}; & &
\node (noLoan2) [draw, shape=rectangle, minimum size=1cm] {No loan};\\
};
\draw[->] (in) -- (lo);
\draw[->] (in) -- (ms);
\draw[->] (in) -- (cr);
\draw[->] (ms) -- (lo2);
\draw[->] (ms) -- (noLoan);
\draw[->] (cr) -- (lo3);
\draw[->] (cr) -- (noLoan2);
\end{tikzpicture}
