Corporate Bankruptcy Prediction: An Approach Towards Better Corporate World

2020 ◽  
Author(s):  
Talha Mahboob Alam ◽  
Kamran Shaukat ◽  
Mubbashar Mushtaq ◽  
Yasir Ali ◽  
Matloob Khushi ◽  
...  
Keyword(s):  
Machine Learning ◽  
Bankruptcy Prediction ◽  
Support Vector ◽  
Financial Indicators ◽  
Learning Models ◽  
Corporate Bankruptcy ◽  
Logistic Model Tree ◽  
Decision Forest ◽  
Machine Learning Models ◽  
Corporate Bankruptcy Prediction

Abstract The area of corporate bankruptcy prediction attains high economic importance, as it affects many stakeholders. The prediction of corporate bankruptcy has been extensively studied in economics, accounting and decision sciences over the past two decades. The corporate bankruptcy prediction has been a matter of talk among academic literature and professional researchers throughout the world. Different traditional approaches were suggested based on hypothesis testing and statistical modeling. Therefore, the primary purpose of the research is to come up with a model that can estimate the probability of corporate bankruptcy by evaluating its occurrence of failure using different machine learning models. As the dataset was not well prepared and contains missing values, various data mining and data pre-processing techniques were utilized for data preparation. Within this research, the task of resolving the issues induced by the imbalance between the two classes is approached by applying different data balancing techniques. We address the problem of imbalanced data with the random undersampling and Synthetic Minority Over Sampling Technique (SMOTE). We used five machine learning models (support vector machine, J48 decision tree, Logistic model tree, random forest and decision forest) to predict corporate bankruptcy earlier to the occurrence. We use data from 2009 to 2013 on Poland manufacturing corporates and selected the 64 financial indicators to be broken down. The main finding of the study is a significant improvement in predictive accuracy using machine learning techniques. We also include other economic indicators ratios, along with Altman’s Z-score variables related to profitability, liquidity, leverage and solvency (short/long term) to propose an efficient model. Machine learning models give better results while balancing the data through SMOTE as compared to random undersampling. The machine learning technique related to decision forest led to 99% accuracy, whereas support vector machine (SVM), J48 decision tree, Logistic Model Tree (LMT) and Random Forest (RF) led to 92%, 92.3%, 93.8% and 98.7% accuracy, respectively, with all predictive financial indicators. We find that the decision forest outperforms the other techniques and previous techniques discussed in the literature. The proposed method is also deployed on the web to assist regulators, investors, creditors and scholars to predict corporate bankruptcy.

scholarly journals Monitoring the Foliar Nutrients Status of Mango Using Spectroscopy-Based Spectral Indices and PLSR-Combined Machine Learning Models

2021 ◽  
Vol 13 (4) ◽  
pp. 641
Author(s):  
Gopal Ramdas Mahajan ◽  
Bappa Das ◽  
Dayesh Murgaokar ◽  
Ittai Herrmann ◽  
Katja Berger ◽  
...  
Keyword(s):  
Machine Learning ◽  
Remote Sensing ◽  
Partial Least Square ◽  
Least Square ◽  
Partial Least Square Regression ◽  
Support Vector ◽  
Spectral Indices ◽  
Learning Models ◽  
Leaf Nutrients ◽  
Machine Learning Models

Conventional methods of plant nutrient estimation for nutrient management need a huge number of leaf or tissue samples and extensive chemical analysis, which is time-consuming and expensive. Remote sensing is a viable tool to estimate the plant’s nutritional status to determine the appropriate amounts of fertilizer inputs. The aim of the study was to use remote sensing to characterize the foliar nutrient status of mango through the development of spectral indices, multivariate analysis, chemometrics, and machine learning modeling of the spectral data. A spectral database within the 350–1050 nm wavelength range of the leaf samples and leaf nutrients were analyzed for the development of spectral indices and multivariate model development. The normalized difference and ratio spectral indices and multivariate models–partial least square regression (PLSR), principal component regression, and support vector regression (SVR) were ineffective in predicting any of the leaf nutrients. An approach of using PLSR-combined machine learning models was found to be the best to predict most of the nutrients. Based on the independent validation performance and summed ranks, the best performing models were cubist (R2 ≥ 0.91, the ratio of performance to deviation (RPD) ≥ 3.3, and the ratio of performance to interquartile distance (RPIQ) ≥ 3.71) for nitrogen, phosphorus, potassium, and zinc, SVR (R2 ≥ 0.88, RPD ≥ 2.73, RPIQ ≥ 3.31) for calcium, iron, copper, boron, and elastic net (R2 ≥ 0.95, RPD ≥ 4.47, RPIQ ≥ 6.11) for magnesium and sulfur. The results of the study revealed the potential of using hyperspectral remote sensing data for non-destructive estimation of mango leaf macro- and micro-nutrients. The developed approach is suggested to be employed within operational retrieval workflows for precision management of mango orchard nutrients.

scholarly journals Machine learning models to identify low adherence to influenza vaccination among Korean adults with cardiovascular disease

2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Moojung Kim ◽  
Young Jae Kim ◽  
Sung Jin Park ◽  
Kwang Gi Kim ◽  
Pyung Chun Oh ◽  
...  
Keyword(s):  
Machine Learning ◽  
Cardiovascular Disease ◽  
Influenza Vaccination ◽  
Machine Learning Techniques ◽  
Gradient Boosting ◽  
Support Vector ◽  
Age Group ◽  
Learning Models ◽  
Extreme Gradient Boosting ◽  
Machine Learning Models

Abstract Background Annual influenza vaccination is an important public health measure to prevent influenza infections and is strongly recommended for cardiovascular disease (CVD) patients, especially in the current coronavirus disease 2019 (COVID-19) pandemic. The aim of this study is to develop a machine learning model to identify Korean adult CVD patients with low adherence to influenza vaccination Methods Adults with CVD (n = 815) from a nationally representative dataset of the Fifth Korea National Health and Nutrition Examination Survey (KNHANES V) were analyzed. Among these adults, 500 (61.4%) had answered "yes" to whether they had received seasonal influenza vaccinations in the past 12 months. The classification process was performed using the logistic regression (LR), random forest (RF), support vector machine (SVM), and extreme gradient boosting (XGB) machine learning techniques. Because the Ministry of Health and Welfare in Korea offers free influenza immunization for the elderly, separate models were developed for the < 65 and ≥ 65 age groups. Results The accuracy of machine learning models using 16 variables as predictors of low influenza vaccination adherence was compared; for the ≥ 65 age group, XGB (84.7%) and RF (84.7%) have the best accuracies, followed by LR (82.7%) and SVM (77.6%). For the < 65 age group, SVM has the best accuracy (68.4%), followed by RF (64.9%), LR (63.2%), and XGB (61.4%). Conclusions The machine leaning models show comparable performance in classifying adult CVD patients with low adherence to influenza vaccination.

414 Deep Neural Networks: A Survey Tool for Obstructive Sleep Apnea Prediction

SLEEP ◽  
2021 ◽  
Vol 44 (Supplement_2) ◽  
pp. A164-A164
Author(s):  
Pahnwat Taweesedt ◽  
JungYoon Kim ◽  
Jaehyun Park ◽  
Jangwoon Park ◽  
Munish Sharma ◽  
...  
Keyword(s):  
Machine Learning ◽  
Neural Networks ◽  
Obstructive Sleep Apnea ◽  
Sleep Apnea ◽  
Deep Neural Networks ◽  
Support Vector ◽  
Learning Models ◽  
Obstructive Sleep ◽  
Screening Questionnaires ◽  
Machine Learning Models

Abstract Introduction Obstructive sleep apnea (OSA) is a common sleep-related breathing disorder with an estimation of one billion people. Full-night polysomnography is considered the gold standard for OSA diagnosis. However, it is time-consuming, expensive and is not readily available in many parts of the world. Many screening questionnaires and scores have been proposed for OSA prediction with high sensitivity and low specificity. The present study is intended to develop models with various machine learning techniques to predict the severity of OSA by incorporating features from multiple questionnaires. Methods Subjects who underwent full-night polysomnography in Torr sleep center, Texas and completed 5 OSA screening questionnaires/scores were included. OSA was diagnosed by using Apnea-Hypopnea Index ≥ 5. We trained five different machine learning models including Deep Neural Networks with the scaled principal component analysis (DNN-PCA), Random Forest (RF), Adaptive Boosting classifier (ABC), and K-Nearest Neighbors classifier (KNC) and Support Vector Machine Classifier (SVMC). Training:Testing subject ratio of 65:35 was used. All features including demographic data, body measurement, snoring and sleepiness history were obtained from 5 OSA screening questionnaires/scores (STOP-BANG questionnaires, Berlin questionnaires, NoSAS score, NAMES score and No-Apnea score). Performance parametrics were used to compare between machine learning models. Results Of 180 subjects, 51.5 % of subjects were male with mean (SD) age of 53.6 (15.1). One hundred and nineteen subjects were diagnosed with OSA. Area Under the Receiver Operating Characteristic Curve (AUROC) of DNN-PCA, RF, ABC, KNC, SVMC, STOP-BANG questionnaire, Berlin questionnaire, NoSAS score, NAMES score, and No-Apnea score were 0.85, 0.68, 0.52, 0.74, 0.75, 0.61, 0.63, 0,61, 0.58 and 0,58 respectively. DNN-PCA showed the highest AUROC with sensitivity of 0.79, specificity of 0.67, positive-predictivity of 0.93, F1 score of 0.86, and accuracy of 0.77. Conclusion Our result showed that DNN-PCA outperforms OSA screening questionnaires, scores and other machine learning models. Support (if any):

scholarly journals QUBO formulations for training machine learning models

2021 ◽  
Vol 11 (1) ◽  
Author(s):  
Prasanna Date ◽  
Davis Arthur ◽  
Lauren Pusey-Nazzaro
Keyword(s):  
Machine Learning ◽  
Linear Regression ◽  
Large Scale ◽  
Support Vector ◽  
Quantum Computers ◽  
Np Hard ◽  
Learning Models ◽  
Moore’S Law ◽  
Moore's Law ◽  
Machine Learning Models

AbstractTraining machine learning models on classical computers is usually a time and compute intensive process. With Moore’s law nearing its inevitable end and an ever-increasing demand for large-scale data analysis using machine learning, we must leverage non-conventional computing paradigms like quantum computing to train machine learning models efficiently. Adiabatic quantum computers can approximately solve NP-hard problems, such as the quadratic unconstrained binary optimization (QUBO), faster than classical computers. Since many machine learning problems are also NP-hard, we believe adiabatic quantum computers might be instrumental in training machine learning models efficiently in the post Moore’s law era. In order to solve problems on adiabatic quantum computers, they must be formulated as QUBO problems, which is very challenging. In this paper, we formulate the training problems of three machine learning models—linear regression, support vector machine (SVM) and balanced k-means clustering—as QUBO problems, making them conducive to be trained on adiabatic quantum computers. We also analyze the computational complexities of our formulations and compare them to corresponding state-of-the-art classical approaches. We show that the time and space complexities of our formulations are better (in case of SVM and balanced k-means clustering) or equivalent (in case of linear regression) to their classical counterparts.

scholarly journals A Comparative Study of Machine Learning Models with Hyperparameter Optimization Algorithm for Mapping Mineral Prospectivity

Minerals ◽  
2021 ◽  
Vol 11 (2) ◽  
pp. 159
Author(s):  
Nan Lin ◽  
Yongliang Chen ◽  
Haiqi Liu ◽  
Hanlin Liu
Keyword(s):  
Machine Learning ◽  
Swarm Intelligence ◽  
Optimization Algorithm ◽  
Geochemical Data ◽  
Support Vector ◽  
Learning Models ◽  
Hyperparameter Optimization ◽  
Mineral Prospectivity ◽  
Swarm Intelligence Optimization ◽  
Machine Learning Models

Selecting internal hyperparameters, which can be set by the automatic search algorithm, is important to improve the generalization performance of machine learning models. In this study, the geological, remote sensing and geochemical data of the Lalingzaohuo area in Qinghai province were researched. A multi-source metallogenic information spatial data set was constructed by calculating the Youden index for selecting potential evidence layers. The model for mapping mineral prospectivity of the study area was established by combining two swarm intelligence optimization algorithms, namely the bat algorithm (BA) and the firefly algorithm (FA), with different machine learning models. The receiver operating characteristic (ROC) and prediction-area (P-A) curves were used for performance evaluation and showed that the two algorithms had an obvious optimization effect. The BA and FA differentiated in improving multilayer perceptron (MLP), AdaBoost and one-class support vector machine (OCSVM) models; thus, there was no optimization algorithm that was consistently superior to the other. However, the accuracy of the machine learning models was significantly enhanced after optimizing the hyperparameters. The area under curve (AUC) values of the ROC curve of the optimized machine learning models were all higher than 0.8, indicating that the hyperparameter optimization calculation was effective. In terms of individual model improvement, the accuracy of the FA-AdaBoost model was improved the most significantly, with the AUC value increasing from 0.8173 to 0.9597 and the prediction/area (P/A) value increasing from 3.156 to 10.765, where the mineral targets predicted by the model occupied 8.63% of the study area and contained 92.86% of the known mineral deposits. The targets predicted by the improved machine learning models are consistent with the metallogenic geological characteristics, indicating that the swarm intelligence optimization algorithm combined with the machine learning model is an efficient method for mineral prospectivity mapping.

Machine Learning Models for Finger Bend Evaluation using Implemented Low cost Flex Sensor

2021 ◽  
Vol 9 (VI) ◽  
pp. 3605-3611
Author(s):  
Pratyush Kaware
Keyword(s):  
Machine Learning ◽  
Support Vector Machine ◽  
Low Cost ◽  
Learning Algorithms ◽  
Cost Effective ◽  
Machine Learning Algorithms ◽  
Support Vector ◽  
Learning Models ◽  
Machine Learning Models

In this paper a cost-effective sensor has been implemented to read finger bend signals, by attaching the sensor to a finger, so as to classify them based on the degree of bent as well as the joint about which the finger was being bent. This was done by testing with various machine learning algorithms to get the most accurate and consistent classifier. Finally, we found that Support Vector Machine was the best algorithm suited to classify our data, using we were able predict live state of a finger, i.e., the degree of bent and the joints involved. The live voltage values from the sensor were transmitted using a NodeMCU micro-controller which were converted to digital and uploaded on a database for analysis.

scholarly journals Implementation of Machine Learning Models for the Prevention of Kidney Diseases (CKD) or Their Derivatives

2021 ◽  
Vol 2021 ◽  
pp. 1-8
Author(s):  
Khalid Twarish Alhamazani ◽  
Jalawi Alshudukhi ◽  
Saud Aljaloud ◽  
Solomon Abebaw
Keyword(s):  
Machine Learning ◽  
Kidney Diseases ◽  
Recognition Performance ◽  
High Rate ◽  
Learning Models ◽  
Industry Standard ◽  
Global Health Issue ◽  
To Receive ◽  
Decision Forest ◽  
Machine Learning Models

Chronic kidney disease (CKD) is a global health issue with a high rate of morbidity and mortality and a high rate of disease progression. Because there are no visible symptoms in the early stages of CKD, patients frequently go unnoticed. The early detection of CKD allows patients to receive timely treatment, slowing the disease’s progression. Due to its rapid recognition performance and accuracy, machine learning models can effectively assist physicians in achieving this goal. We propose a machine learning methodology for the CKD diagnosis in this paper. This information was completely anonymized. As a reference, the CRISP-DM® model (Cross industry standard process for data mining) was used. The data were processed in its entirety in the cloud on the Azure platform, where the sample data was unbalanced. Then the processes for exploration and analysis were carried out. According to what we have learned, the data were balanced using the SMOTE technique. Four matching algorithms were used after the data balancing was completed successfully. Artificial intelligence (AI) (logistic regression, decision forest, neural network, and jungle of decisions). The decision forest outperformed the other machine learning models with a score of 92%, indicating that the approach used in this study provides a good baseline for solutions in the production.

scholarly journals Machine Learning Models for Sarcopenia Identification Based on Radiomic Features of Muscles in Computed Tomography

2021 ◽  
Vol 18 (16) ◽  
pp. 8710
Author(s):  
Young Jae Kim
Keyword(s):  
Machine Learning ◽  
Computed Tomography ◽  
Ct Images ◽  
Erector Spinae ◽  
Support Vector ◽  
Gray Level ◽  
Learning Models ◽  
Extreme Gradient Boosting ◽  
Nsclc Patients ◽  
Machine Learning Models

The diagnosis of sarcopenia requires accurate muscle quantification. As an alternative to manual muscle mass measurement through computed tomography (CT), artificial intelligence can be leveraged for the automation of these measurements. Although generally difficult to identify with the naked eye, the radiomic features in CT images are informative. In this study, the radiomic features were extracted from L3 CT images of the entire muscle area and partial areas of the erector spinae collected from non-small cell lung carcinoma (NSCLC) patients. The first-order statistics and gray-level co-occurrence, gray-level size zone, gray-level run length, neighboring gray-tone difference, and gray-level dependence matrices were the radiomic features analyzed. The identification performances of the following machine learning models were evaluated: logistic regression, support vector machine (SVM), random forest, and extreme gradient boosting (XGB). Sex, coarseness, skewness, and cluster prominence were selected as the relevant features effectively identifying sarcopenia. The XGB model demonstrated the best performance for the entire muscle, whereas the SVM was the worst-performing model. Overall, the models demonstrated improved performance for the entire muscle compared to the erector spinae. Although further validation is required, the radiomic features presented here could become reliable indicators for quantifying the phenomena observed in the muscles of NSCLC patients, thus facilitating the diagnosis of sarcopenia.

scholarly journals Machine Learning Models for Predicting Hearing Prognosis in Unilateral Idiopathic Sudden Sensorineural Hearing Loss

2020 ◽  
Vol 13 (2) ◽  
pp. 148-156
Author(s):  
Keon Vin Park ◽  
Kyoung Ho Oh ◽  
Yong Jun Jeong ◽  
Jihye Rhee ◽  
Mun Soo Han ◽  
...  
Keyword(s):  
Machine Learning ◽  
Hearing Loss ◽  
Sensorineural Hearing Loss ◽  
Sudden Sensorineural Hearing Loss ◽  
Sensorineural Hearing ◽  
Statistical Hypothesis ◽  
Support Vector ◽  
Learning Models ◽  
Svm Model ◽  
Machine Learning Models

Objectives. Prognosticating idiopathic sudden sensorineural hearing loss (ISSNHL) is an important challenge. In our study, a dataset was split into training and test sets and cross-validation was implemented on the training set, thereby determining the hyperparameters for machine learning models with high test accuracy and low bias. The effectiveness of the following five machine learning models for predicting the hearing prognosis in patients with ISSNHL after 1 month of treatment was assessed: adaptive boosting, K-nearest neighbor, multilayer perceptron, random forest (RF), and support vector machine (SVM).Methods. The medical records of 523 patients with ISSNHL admitted to Korea University Ansan Hospital between January 2010 and October 2017 were retrospectively reviewed. In this study, we analyzed data from 227 patients (recovery, 106; no recovery, 121) after excluding those with missing data. To determine risk factors, statistical hypothesis tests (e.g., the two-sample <i>t</i>-test for continuous variables and the chi-square test for categorical variables) were conducted to compare patients who did or did not recover. Variables were selected using an RF model depending on two criteria (mean decreases in the Gini index and accuracy).Results. The SVM model using selected predictors achieved both the highest accuracy (75.36%) and the highest F-score (0.74) on the test set. The RF model with selected variables demonstrated the second-highest accuracy (73.91%) and F-score (0.74). The RF model with the original variables showed the same accuracy (73.91%) as that of the RF model with selected variables, but a lower F-score (0.73). All the tested models, except RF, demonstrated better performance after variable selection based on RF.Conclusion. The SVM model with selected predictors was the best-performing of the tested prediction models. The RF model with selected predictors was the second-best model. Therefore, machine learning models can be used to predict hearing recovery in patients with ISSNHL.

scholarly journals Using Machine Learning to Predict the pKa of C–H Bonds. Relevance to Catalytic Methane Functionalization

2020 ◽  
Author(s):  
Christopher Zhou ◽  
William Grumbles ◽  
Thomas Cundari
Keyword(s):  
Machine Learning ◽  
Support Vector ◽  
Learning Models ◽  
K Nearest Neighbors ◽  
Network Support ◽  
Highest Occupied Molecular Orbital ◽  
Conjugate Acid ◽  
Organometallic Catalyst ◽  
Conjugate Base ◽  
Machine Learning Models

Six machine learning models (random forest, neural network, support vector machine, k-nearest neighbors, Bayesian ridge regression, least squares linear regression) were trained on a dataset of 3d transition metal-methyl and -methane complexes to predict p<i>K<sub>a</sub></i>(C–H), a property demonstrated to be important in catalytic activity and selectivity. Results illustrate that the machine learning models are quite promising, with RMSE metrics ranging from 4.6 to 8.8 p<i>K<sub>a</sub></i> units, despite the relatively modest amount of data available to train on. Importantly, the machine learning models agreed that (a) conjugate base properties were more impactful than those of the corresponding conjugate acid, and (b) the energy of the highest occupied molecular orbital conjugate base was the most significant input feature in the prediction of p<i>K<sub>a</sub></i>(C–H). Furthermore, results from additional testing conducted using an external dataset of Sc-methyl complexes demonstrated the robustness of all models, with RMSE metrics ranging from 1.5 to 6.6 p<i>K<sub>a</sub></i> units. In all, this research demonstrates the potential of machine learning models in organometallic catalyst development.

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