Segmentation of retail bank customers for the purposes of modeling the loan claim default

2020 ◽  
Vol 26 (11) ◽  
pp. 2594-2616
Author(s):  
E.V. Pavlova ◽  
V.V. Roskoshenko
Keyword(s):  
Content Analysis ◽  
Statistical Analysis ◽  
Statistical Modeling ◽  
Scoring System ◽  
Practical Problem ◽  
Information Sources ◽  
Heuristic Method ◽  
Heuristic Methods ◽  
Logit Regression ◽  
Loan Size

Subject. In the banking practice, approaches to separate modeling of loan claim default (for new and repeat customers, for customers having and not having a history in the Credit Bureau, etc.) are widespread. Such a segmentation of retail bank customers may increase the efficiency of applied scoring system. The practical problem of choosing the optimal heuristic method of segmentation for the scoring remains unresolved. Objectives. The purpose of this work is to determine the optimal heuristic method of segmentation from those that are known in the literature and the industry. Methods. The study employs statistical analysis and content analysis of information sources. Results. We compared over thirty heuristic methods for segmentation of retail bank customers. The comparison showed that according to the classifier of the efficiency metric (AUROC), our proposed segmentation by the disbursed loan size turned out to be optimal. The method consists in the ‘disbursed loan’ variable discretization under the TreeR method. Conclusions and Relevance. The findings may be helpful in loan scoring and in any statistical modeling, using the logit regression.

Who Makes a Compromise? Adopting Pledges in Czech Coalition Agreements

2020 ◽  
Vol 28 (5) ◽  
pp. 728-743
Author(s):  
Petra Vodová
Keyword(s):  
Statistical Analysis ◽  
Multinomial Logit ◽  
Issue Salience ◽  
Logit Regression ◽  
Multinomial Logit Regression

Translating party pledges into coalition agreements is a crucial goal of after-election coalition negotiations. Full adoption is the best result for the bargaining party, while limited adoption is a kind of compromise forced by coalition partners, and non-adoption can be seen as a defeat. The question of what undermines the compromise and defeat in coalition agreements is, however, rarely answered. This article formulates hypotheses concerning the effect of consensual pledges among coalition parties, and party and voter-issue salience on parties’ ability to adopt their pledges and adopt them fully or partially. The effect of party level characteristics is considered. The analysis is provided on a new dataset of narrow Czech coalition party pledges in three governments established after elections in 2006, 2010 and 2013. Multinomial logit regression is used for the statistical analysis.

scholarly journals Who Guides Vaccination in the Portuguese Press? An Analysis of Information Sources

2021 ◽  
Vol 18 (4) ◽  
pp. 2189
Author(s):  
Andrea Langbecker ◽  
Daniel Catalan-Matamoros
Keyword(s):  
Content Analysis ◽  
Information Sources ◽  
Professional Associations ◽  
Scientific Journals ◽  
Sources Of Information ◽  
Media Agenda ◽  
The Media ◽  
University Scientists

Sources of information are a key part of the news process as it guides certain topics, influencing the media agenda. The goal of this study is to examine the most frequent voices on vaccines in the Portuguese press. A total of 300 news items were analysed via content analysis using as sources two newspapers from 2012 to 2017. Of all the articles, 97.7% included a source (n = 670). The most frequent were “governmental organisations”, “professional associations” and the “media”. Less frequent sources were “university scientists”, “governmental scientific bodies”, “consumer groups”, “doctors”, “scientific companies”, “NGOs” and “scientific journals”. Most articles used only non-scientific sources (n = 156). A total of 94 articles used both categories and 43 used exclusively scientific sources. Our findings support the assertion that media can be an instrument to disseminate information on vaccines. Nevertheless, despite being present in most articles, the number of sources per article was low, therefore not presenting a diversity of opinions and there was a lack of scientific voices, thus suggesting lower quality of the information being offered to the audience.

Rietveld quantitative amorphous content analysis

2001 ◽  
Vol 34 (2) ◽  
pp. 196-202 ◽  
Author(s):  
A. G. De La Torre ◽  
S. Bruque ◽  
M. A. G. Aranda
Keyword(s):  
Content Analysis ◽  
Statistical Analysis ◽  
Systematic Errors ◽  
Rietveld Analysis ◽  
Tricalcium Silicate ◽  
Absorption Coefficients ◽  
Amorphous Content ◽  
Orientation Effects ◽  
Main Component ◽  
Very High

A procedure for Rietveld quantitative amorphous content analysis (RQACA) is outlined, in which the effects of systematic errors in the powder patterns are studied. The method derives the amorphous content from the small overestimation of an internal crystalline standard in a Rietveld refinement of an appropriate mixture. Of several standards studied, Al2O3gave the best results. The statistical analysis of standard mixtures with a known amount of amorphous content indicated that this is a precise and accurate tool. It enables the measurement of the amorphous content with an accuracy close to 1%. Sample preparation and Rietveld analysis need to be optimized in order to minimize the systematic errors. The analysis of samples with phases displaying strong preferred orientation effects gives very high errors in the amorphous content. Samples with different absorption coefficients have also been studied in order to evaluate the importance of microabsorption. This plays an important role but it can be adequately corrected if the absorption coefficients of the standard and the sample are not very different. RQACA has been applied to tricalcium silicate, C3S, which is the main component of Portland cement. The average amorphous content of C3S, after microabsorption correction using two standards of higher and lower absorption coefficients, was found to be 19%.

scholarly journals ESG disclosure patterns in the Baltics

2020 ◽  
Author(s):  
Ilze Zumente ◽  
Nataļja Lāce ◽  
Jūlija Bistrova
Keyword(s):  
Content Analysis ◽  
Statistical Analysis ◽  
Stock Exchange ◽  
Financial Disclosure ◽  
Social Dimensions ◽  
Key Characteristics ◽  
Wide Range ◽  
Financial Metrics ◽  
The Baltic ◽  
Disclosure Patterns

The goal of this article is to provide evidence on the volume of ESG disclosures of 34 companies listed on the NASDAQ Baltic stock exchange. It provides a broad view of the non-financial disclosure thoroughness and offers conclusions on the key characteristics of the Baltic listed companies in terms of ESG. By performing content analysis of the publicly available reports based on 106 ESG criteria and statistical analysis of the retrieved data, the disclosure patterns across reporting dimensions, industries, and company characteristics are analyzed. Authors find a wide range (8% to 67%) ESG transparency scores with an average of 41%. On aggregate, governance and social dimensions are reported better (49% and 44%) than environmental (24%). Correlation analysis was performed to test the correlation between ESG and selected financial metrics revealing that the ESG disclosure score correlates with the firm’s market capitalization.

The Four Anchors Model – Women Political Participation

2016 ◽  
Vol 12 (2) ◽  
pp. 241-259
Author(s):  
Osnat Akirav ◽  
Yael Ben-Horin
Keyword(s):  
Content Analysis ◽  
Political Participation ◽  
Research Methods ◽  
Authentic Leadership ◽  
Information Sources ◽  
Local Level ◽  
Political Life ◽  
Women Candidates ◽  
Israeli Government ◽  
Do So

AbstractThis paper examines the causes of the increase in the number of women candidates in local Israeli government elections during October 2013. To do so, it develops a new model called the four anchors model based on (1) authentic leadership, (2) organizations with gender awareness, (3) practices that provide organized training for women only and (4) networking for women. Establishment of each one of the anchors with synergy among all four of them will encourage more women to be active in political life at the local level. The research combines mixed research methods based on seven different information sources such as questionnaires, interviews, content analysis of newsletters from the Local Councilwomen’s Union, observations and informal talks with women council members.

A computerized scoring system for use with content analysis scales

1975 ◽  
Vol 16 (1) ◽  
pp. 77-90 ◽  
Author(s):  
Louis A. Gottschalk ◽  
Catherine Hausmann ◽  
John Seely Brown
Keyword(s):  
Content Analysis ◽  
Scoring System

scholarly journals User Experience Methods and Maturity in Academic Libraries

2020 ◽  
Vol 39 (1) ◽  
Author(s):  
Scott W. H. Young ◽  
Zoe Chao ◽  
Adam Chandler
Keyword(s):  
Content Analysis ◽  
Mixed Methods ◽  
Statistical Analysis ◽  
User Experience ◽  
Academic Libraries ◽  
Qualitative Content Analysis ◽  
Mixed Methods Study ◽  
Organizational Characteristics ◽  
Recommended Practices ◽  
Survey Responses

This article presents a mixed-methods study of the methods and maturity of user experience (UX) practice in academic libraries. The authors apply qualitative content analysis and quantitative statistical analysis to a research dataset derived from a survey of UX practitioners. Results reveal the type and extent of UX methods currently in use by practitioners in academic libraries. Themes extracted from the survey responses also reveal a set of factors that influence the development of UX maturity. Analysis and discussion focus on organizational characteristics that influence UX methods and maturity. The authors conclude by offering a library-focused maturity scale with recommended practices for advancing UX maturity in academic libraries.

scholarly journals A heuristic method for transmission design

2019 ◽  
Vol 287 ◽  
pp. 01013 ◽  
Author(s):  
Viktor Ivanov ◽  
Lubomir Dimitrov ◽  
Svitlana Ivanova ◽  
Galyna Naleva
Keyword(s):  
Heuristic Search ◽  
Thrust Bearing ◽  
Heuristic Method ◽  
Heuristic Methods ◽  
Double Row ◽  
Intermediate Ring ◽  
Heuristic Techniques ◽  
Transmission Design ◽  
Rolling Element

The application of heuristic methods in the design of transmissions is investigated. The structure of heuristic methods is revealed and the heuristic techniques that compose them are established. These techniques are combined into one generalized method, which allows replacing all the considered methods. A heuristic method specially allotted for the design of transmission is also developed. This method contains, among other things, the following heuristic techniques. Search for all possible variants of elements location corresponding to one of the same graph. Introduction nodes to the graph that corresponding certain function, for the implementation of which a node can be added to the design or vice versa, a node can be removed from the design, and the function it has implemented will be implemented by other elements.The advantages of a heuristic search on the example of designing a double row thrust bearing are evidenced. The bearing contains a node through which the speed of the intermediate ring is always equal to half the speed of the shaft. Due to this, the distance that the rolling element path is reduced, and the bearing has greater durability.

The effect of diet and housing on the development of sole haemorrhages, white line haemorrhages and heel erosions in Holstein heifers

1998 ◽  
Vol 67 (1) ◽  
pp. 9-16 ◽  
Author(s):  
C. T. Livesey ◽  
T. Harrington ◽  
A. M. Johnston ◽  
S. A. May ◽  
J. A. Metcalf
Keyword(s):  
Statistical Analysis ◽  
Dairy Cows ◽  
Scoring System ◽  
Post Partum ◽  
Early Lactation ◽  
Lesion Score ◽  
White Line ◽  
Analysis Of Results ◽  
Foot Lesions ◽  
Locomotion Score

AbstractHaemorrhagic lesions, heel erosions and changes in foot conformation have been associated with husbandry, underfoot conditions and nutrition of dairy cows.These characteristics were monitored in 40 heifers in a 2 × 2 factorial design starting in the last trimester of pregnancy and continuing until 12 weeks post partum. Primary treatments were housing in straw yards or cubicles and secondary treatments were alternative complete diets given during lactation which differed in concentrate: forage ratio. A scoring system was developed for each of the foot lesions to allow statistical analysis of results. Locomotion scoring was carried out weekly.White line haemorrhages, sole haemorrhages and heel erosions were all present before calving. White line haemorrhages were exacerbated by housing in cubicle yards and alleviated by housing in straw yards (P < 0·001) with an interaction between diet and housing around calving (P < 0·05). Sole haemorrhages were exacerbated both by housing in cubicle yards (P < 0·01) and the high concentrate diet (P < 0·01) with an interaction between diet and housing around calving (P < 0·05). Heel erosions were exacerbated (P < 0·05) by housing in straw yards but not affected by diet. Sole haemorrhage and heel erosion scores generally increased during early lactation (P < 0·001) independent of the treatments. There was evidence that these foot lesions were not caused by laminitis. There was a higher incidence of lameness for heifers given the high concentrate diet but no correlation between locomotion score and the type of lesion or lesion score.

An open-source high-content analysis workflow for CFTR function measurements using the forskolin-induced swelling assay

2020 ◽  
Author(s):  
Marne C Hagemeijer ◽  
Annelotte M Vonk ◽  
Nikhil T Awatade ◽  
Iris A L Silva ◽  
Christian Tischer ◽  
...  
Keyword(s):  
Content Analysis ◽  
Statistical Analysis ◽  
Open Source ◽  
R Package ◽  
Supplementary Information ◽  
Image Quantification ◽  
Quantification Method ◽  
Analysis Workflow ◽  
High Content Analysis ◽  
Microscopy Images

Abstract Motivation The forskolin-induced swelling (FIS) assay has become the preferential assay to predict the efficacy of approved and investigational CFTR-modulating drugs for individuals with cystic fibrosis (CF). Currently, no standardized quantification method of FIS data exists thereby hampering inter-laboratory reproducibility. Results We developed a complete open-source workflow for standardized high-content analysis of CFTR function measurements in intestinal organoids using raw microscopy images as input. The workflow includes tools for (i) file and metadata handling; (ii) image quantification and (iii) statistical analysis. Our workflow reproduced results generated by published proprietary analysis protocols and enables standardized CFTR function measurements in CF organoids. Availability All workflow components are open-source and freely available: the htmrenamer R package for file handling https://github.com/hmbotelho/htmrenamer; CellProfiler and ImageJ analysis scripts/pipelines https://github.com/hmbotelho/FIS_image_analysis; the Organoid Analyst application for statistical analysis https://github.com/hmbotelho/organoid_analyst; detailed usage instructions and a demonstration dataset https://github.com/hmbotelho/FIS_analysis. Distributed under GPL v3.0. Supplementary information Supplementary information and a stepwise guide for software installation and data analysis for training purposes are available at Bioinformatics online.

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