Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 18 of 18 for “"Scoring model"”.
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Performance-based credit scoring model
… economic recession in USA. Accordingly, credit scoring models should basically focus on evaluating the lender's judgements about a borrower's future business performance. Similarly, the validity of these models should be based on the accuracy in predicting borrower's actual business performance …
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Development and Evaluation of a Credit Scoring Model for the Farm Credit System
Credit scoring models were developed to identify the credit risk in term and operating loans for the principal purposes of evaluating portfolio quality and monitoring risk at the loan and portfolio levels in the Farm Credit System. Experience based (lender) and statistical (academic) approaches …
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A New Credit Scoring Model to Reduce Potential Predatory Lending: A Design Science Approach
… potential impact of implementing a novel credit scoring model that integrates attributes beyond the traditional FICO model. It aims to address issues related to predatory lending and the financial exclusion affecting individuals often categorized as 'credit invisible,' 'credit unscorable,' …
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Testing the accuracy of the emerging market scoring model for measuring and predicting financial distress for South African firms
… investigated the accuracy of the Emerging Market Scoring Model (EMS model) for measuring and predicting financial distress for South African firms. The EMS model was applied to a 62-firm sample composed of two independent groups of 31 firms each, known as the extender and non-extender groups, for …
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The Discovery and Prediction of Genetic Interactions Using Data Science Genetic Interactions
… validated. Since GIs vary in strength, scoring models are used in order to express the strength of a GI. For more than a decade, the multiplicative model has been the scoring model of choice for all Synthetic Genetic Array (SGA) technology-based projects. However, we believed that a …
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The probability of Chinese mortgage loan default and credit scoring
Credit scoring is broadly applied in consumer lending especially in credit cards and mortgages. Credit scoring has not been widely used in business lending because business loan differ substantially across household borrowers, making it more difficult to build up an accurate scoring method. …
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ImpactScore: A Novel Credit Score for Social Impact
… This paper proposes the application of credit scoring mechanisms not only to the likelihood of default but also to the likelihood of happiness. Using the existing data on microcredit loan applicants in Bosnia and Herzegovina, we construct a full credit scoring model that involves the …
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Simultaneous clustering with mixtures of factor analysers
This work details the method of Simultaneous Model-based Clustering. It also presents an extension to this method by reformulating it as a model with a mixture of factor analysers. This allows for the technique, known as Simultaneous Model-Based Clustering with a Mixture of Factor Analysers, to be …
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Beyond text analysis : image-based evaluation of health-related text readability using style features
… which provides a Graphical User Interface to the scoring model.
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Context-based motion retrieval using vector space model
… its semantics. Our approach uses vector space model to measure the similarities among motions, which are made discrete using the vocabulary technique and transformation invariant using the relational feature model. In our approach, relational features are first extracted from motion data. then …
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A methodology for determining feasibility and choice of method for cellular manufacturing
… to address the above issues. A Conceptual Flow Model (CFM) was first developed to structure and rationalize the research problem. The concept of the CFM originated from the basic input-output production model in literature. This model helped the formulation of the research problem by …
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Automatic assessment and feature-based characterisation of oral narratives for Afrikaans and isiXhosa children
… To address this, we design an automatic scoring system for low-income preschools, where large class sizes make it challenging for teachers to identify learners requiring assistance. Our research focuses on three core goals. First, we develop an automatic scoring model prioritising …
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Technology Enabled Assessments: An Investigation of Scoring Models for Scaffolded Tasks
… is a dearth of research regarding psychometric scoring models that can be used to fully capture students' knowledge, skills and abilities as measured by TEAs. This investigation provides a comparison of seven scoring models applied to an operational assessment system that incorporates …
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Research data sharing, reuse, and metrics: adoption and challenges across disciplines and repositories
… feedback, this study proposes an alternative scoring model that combines a dataset quality score and a data reuse indicator that can be incorporated in academic evaluation systems. The outcomes from this research will help funders, policymakers and technology developers prioritize areas of …
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The new form of financial intermediation: key issues of peer-to-peer lending
… tendency has started, and alternative funding models appeared on the market, performing capital allocation. One of this new form is peer-to-peer lending (P2P) or marketplace lending, where the traditional intermediary role is left out of the process. The main idea of the business model is that …
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Adversarial Attacks on Natural Language and Speech Processing Models
Deep learning models are parametric functions designed to capture patterns in data. The increasing availability of computational resources in recent years has facilitated the training and deployment of deep learning models across a wide range of applications in computer vision, natural language …
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SURVIVING SURPRISE: HOW FIRMS WERE AFFECTED BY - AND RESPONDED TO - UNEXPECTED, DISRUPTIVE, DISCONTINUOUS CHANGE IN THE MARKETING ENVIRONMENT
… their pre-9/11 strategies. Study 2 In Study 2, a scoring model of strategic resilience is developed that enables motor carriers to assess their likelihood of withstanding disruptive environmental change. Supply chain resilience is an emergent research stream that considers the ability of a supply …
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Hodnocení finančního rizika podniku
… práce je zaměřena na porovnání vybraných scoringových ukazatelů a následné vybrání těch, které nejlépe vykreslují skutečnou situaci firem v hutnickém průmyslu. Výstupem práce bude porovnání jednotlivých. Za účelem výpočtu ukazatelů byl vytvořen program v jazyce Visual Basic for application.