scholarly journals Intelligent credit scoring system using knowledge management

2019 ◽  
Vol 8 (4) ◽  
pp. 391
Author(s):  
Bazzi Mehdi ◽  
Chamlal Hasna ◽  
El Kharroubi Ahmed ◽  
Ouaderhman Tayeb
Keyword(s):  
Artificial Intelligence ◽  
Decision Making ◽  
Credit Scoring ◽  
Second Step ◽  
Decision Making System ◽  
The Government ◽  
Set Up ◽  
The Arab Spring ◽  
Credit Granting ◽  
Young Entrepreneurs

Promoting entrepreneurship in Morocco among young people has been a challenge for some years of economic and social problems, especially after the events of the Arab Spring. Several programs have been set up by the government for young entrepreneurs. Thus, faced with the large number of credit applications solicited by these young entrepreneurs, banks are obliged to resort to artificial intelligence techniques. For this purpose, the aim of this article is to propose a decision-making system enabling the bank to automate its credit granting process. It is a tool that allows the bank, in the first instance, to select promising projects through a scoring approach adapted to this segment of young entrepreneurs. In a second step, the tool allows the setting of the maximum credit amount to be allocated to the selected project. Finally, based on the knowledge of the bank's experts, the tool proposes a breakdown of the amount granted by the bank into several products adapted to the needs of the entrepreneur.

scholarly journals Incentive or Punitive Measure? Analysis of Environmental Regulations in Construction and Demolition Waste Recycling

2021 ◽  
Vol 2021 ◽  
pp. 1-14
Author(s):  
Jingsong Yang ◽  
Jing Zhang ◽  
Chunxiang Guo ◽  
Ruwen Tan ◽  
Minjiu Yu
Keyword(s):  
Decision Making ◽  
Social Welfare ◽  
Environmental Regulations ◽  
Waste Recycling ◽  
Incentive Regulation ◽  
Construction And Demolition Waste ◽  
Demolition Waste ◽  
Decision Making System ◽  
Measure Analysis ◽  
The Government

In order to investigate the formulation of appropriate environmental regulations in construction and demolition waste (CDW) recycling, this paper establishes a CDW recycling decision-making system consisting of a contractor, a developer, and the government and analyses the decision-making results and influencing factors of the various stakeholders. Three different types of environmental regulations have been considered in the model: (i) no regulation, (ii) incentive regulation, and (iii) punitive regulation. The research shows that the incentive regulation offers the constructor greater incentives to recycle CDW and yields higher profits for members of the system, and however, when recycling is very costly and CDW is highly damaging, punitive regulation should be implemented, as the incentive regulation leads to lower social welfare. In addition, governments should be more cautious when adopting incentive regulation, because social welfare may be negative under this condition whereas there is no such possibility under the punitive regulation.

scholarly journals A Scalable Business Intelligence Decision-Making System in the Era of Big Data

2019 ◽  
Vol 8 (12) ◽  
pp. 2034-2042
Keyword(s):  
Big Data ◽  
Data Warehouse ◽  
Data Storage ◽  
Business Intelligence ◽  
Unstructured Data ◽  
Data Sources ◽  
Second Step ◽  
Decision Making System ◽  
Set Up

Transformation presents the second step in the ETL process that is responsible for extracting, transforming and loading data into a data warehouse. The role of transformation is to set up several operations to clean, to format and to unify types and data coming from multiple and different data sources. The goal is to get data to conform to the schema of the data warehouse to avoid any ambiguity problems during the data storage and analytical operations. Transforming data coming from structured, semi-structured and unstructured data sources need two levels of treatments: the first one is transformation schema to schema to get a unified schema for all selected data sources and the second treatment is transformation data to data to unify all types and data gathered. To ensure the setting up of these steps we propose in this paper a process switch from one database schema to another as a part of transformation schema to schema, and a meta-model based on MDA approach to describe the main operations of transformation data to data. The results of our transformations propose a data loading in one of the four schemas of NoSQL to best meet the constraints and requirements of Big Data.

The Use of Social Networks in Achieving e-Democracy in the Arab Spring Countries

2016 ◽  
Vol 8 (2) ◽  
pp. 17-33
Author(s):  
Hany Abdelghaffar ◽  
Lobna Hassan
Keyword(s):  
Decision Making ◽  
Social Networks ◽  
Research Question ◽  
Survey Method ◽  
The Past ◽  
Electronic Democracy ◽  
Proposed Model ◽  
Information And Communication ◽  
The Government ◽  
The Arab Spring

Electronic democracy (e-democracy) is a way to engage citizens and politicians with their government through the use of Information and Communication Technology (ICTs) tools. Although the concept of e-democracy has been growing during the past years, few studies have examined how to achieve success of e-democracy via social networks. This research is answering the following question: How social networks support the local government decision making to enhance e-democracy? To answer the research question, a proposed model was introduced and a survey method was employed. Findings showed that governments could use social networks to facilitate awareness of information among citizens and support citizens in building their communities. Furthermore, social networks would help to facilitate deliberation among citizens. However, this should be supported with appropriate level of involvements from the government side in the discussion to provide support. Through this, governments could enhance their decision making.

Development and Realization of Contaminated Sites Information and Remediation Decision System Based on GIS

2013 ◽  
Vol 726-731 ◽  
pp. 4660-4663 ◽  
Author(s):  
Li Na Zhang ◽  
Hui Liu ◽  
Lin Jiang ◽  
Xiao Ying Zhu ◽  
Dan Zhang ◽  
...  
Keyword(s):  
Risk Assessment ◽  
Decision Making ◽  
Contaminated Sites ◽  
Management Decision ◽  
Site Management ◽  
Expert Review ◽  
Management Decision Making ◽  
Decision Making System ◽  
Database Technology ◽  
Set Up

Based on the geographic information systems and database technology, this study set up a contaminated sites information and remediation management decision-making system using Beijing sites data, which include a web portal interface and three major modules: site management, risk assessment and remediation decision. People can inter the system to browse and inquiry the information concerned, zoom in and zoom out the map, statistics and analysis the data. This system provided tools for risk assessment, remediation decision and expert review. This system will provide technical support for government departments and technical institutions.

scholarly journals Model of a Decision-Making System for the Diagnosis of Melanoma Using Artificial Intelligence

2021 ◽  
Author(s):  
V. G. Nikitaev ◽  
A. N. Pronichev ◽  
O. B. Tamrazova ◽  
V. Yu. Sergeev ◽  
E. A. Druzhinina ◽  
...  
Keyword(s):  
Artificial Intelligence ◽  
Decision Making ◽  
Decision Making System

scholarly journals Supranationalism as a taboo

2021 ◽  
Vol 10 (1) ◽  
pp. 102-124
Author(s):  
Bruno Theodoro Luciano ◽  
André Sanches Siqueira Campos
Keyword(s):  
Decision Making ◽  
Institutional Design ◽  
Methodological Approach ◽  
Primary Sources ◽  
Institutional Changes ◽  
Institutional Reforms ◽  
Decision Making System ◽  
Structural Configurations ◽  
Set Up ◽  
Institutional Feature

This article assesses the development of Mercosur’s institutions across its 30 years of history. It aims to stress how the insertion of supranational instances in the bloc was historically disregarded by Member States, in the context of both right and left-wings governments. However, the creation of a Technical Secretariat, a Permanent Review Tribunal, and a regional parliament (Parlasur) institutionalized non-executive forums, which have become autonomous regional arenas, despite their marginalized position within the bloc’s decision-making system. Although these bodies have never seriously challenged Mercosur’s intergovernmental, and even interpresidential, institutional design, they have enabled the bloc to expand its agenda beyond the governments’ priorities. Thus, this article aimed to unveil the causes of Mercosur’s resistance to supranational institutional change. The qualitative methodological approach is based on specialized literature, but also draws on primary sources and the normative analysis of official documents and reports which have gone through a deductive assessment. First, the article will introduce the main institutional changes seen in Mercosur during its 30 years of existence. Secondly, we argue that these transformations have maintained Mercosur’s intergovernmentalism as its main institutional feature, although additional non-executive bodies were set up in the 2000s. Afterwards, it reflects upon the current circumstances of the bloc, addressing whether future institutional reforms would alter Mercosur’s structural configurations.

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